El Paso, Texas

EMV refers to the fraud reducing chip technology that is built into payment cards. Visa, MasterCard, American Express and Discover plan to establish EMV as the standard card technology in the U.S. by October 1, 2015. All major credit card brands will be instituting a Fraud Liability Shift. The Shift means that fraud liability will shift to C-store owners for POS transactions (October 2015) and fuel dispensers (October 2017). With D&H United Fueling Solutions, C-store retailers can upgrade their sites to support EMV across different Gilbarco and competitive products. we provide a simpler path for retailers to plan their EMV migration. Let our experts help you plan your EMV upgrades so you can begin your journey to EMV compliance today!






August 17, 2016

Chargebacks Up 21% Post-EMV

New study quantifies fraud burden after liability-shift date.

BOSTON — Retailers noticing an uptick in the amount of “chargebacks,” or money they are liable for because of bad credit-card purchases made with chip cards, are starting to see comparative numbers, with at least one research firm reporting a 21% increase in chargeback dollar volume after EMV.

In a study officially released this week, researchers with Boston-based Aite Group said 260.3 million chargebacks worth $5.8 million will hit merchants in 2016. The estimates amount to 17% more transactions and 21% more in dollar volume after Europay MasterCard Visa (EMV) liability-shift dates for in-store point-of-sale terminals.

As of last October, Foster City, Calif.-based Visa and Purchase, N.Y.-based MasterCard declared that any merchant who can’t process an EMV chip card will be liable for the cost of resulting fraudulent purchases.

Read more here.






August 10, 2016

EMV Impacting Other Payment Initiatives

Some 86% of retailers surveyed have implemented or expect to implement the new EMV chip card system by the end of 2016.

As EMV(Europay MasterCard Visa) woes continue, they’re pulling focus from other initiatives such as the move to mobile payments.

Reducing credit and debit card fraud by implementing EMV chip card acceptance has become retailers’ top payment issue in 2016, but retailers are also busy with new data security enhancements such as point-to-point encryption and tokenization to better protect payment card data. That’s according to a new study released by the National Retail Federation (NRF) and Forrester that surveys CIOs and technology executives at 59 large and mid-sized retail companies and is the first partnership between the two that focuses on retail industry payment issues.

Read more here.






June 2016

5 Ways Skimmers Work

LOS ANGELES -- At one time, the City of Angels had more incidences of skimming at the pump than the entire nation combined, said a member of the Secret Service assigned to catch card-data thieves.

Through investigations and crackdowns, skimming in Los Angeles has decreased, said Steve Scarince, assistant to the special agent in charge, Los Angeles Field Office of the Washington, D.C.-based Secret Service. Florida is now the No. 1 state for skimmers, he told CSP Daily News.

Since skimming at the pump became a focus for his L.A.-based team in 2012, he’s tracked the evolution of the devices. Here’s what he’s discovered:

Read more here.






June 17, 2016

Visa Simplifies EMV Certification

Credit-card company addresses processes, chargeback concerns.

FOSTER CITY, Calif. — Addressing growing concern over the prolonged EMV certification process and the chargebacks merchants have been receiving since last October’s liability shift on fraudulent purchases, Visa has simplified testing requirements and will prohibit chargebacks under $25, the credit-card company announced.

According to pymnts.com, the Foster City, Calif.-based company will reduce the complexity of its Europay MasterCard Visa (EMV) certification process, allowing acquirers to “self-certify,” meaning Visa will give acquirers greater discretion to determine the appropriate level of testing required to ensure a merchant’s solution is ready. The strategy is based on the idea that the acquirer is most familiar with its merchant partner’s system. This move and others may reduce testing and certification timelines by as much as 80%, said Mark Nelsen, senior vice president of risk products for Visa.

Read more here.






May 16, 2016

Senator Durbin Probes FTC on EMV Certification

The Illinois senator is asking the Federal Trade Commission to investigate the EMV certification process and whether backlogs are preventing retailers from accepting chip card transactions.

NEW YORK – PaymentsSource.com reports that U.S. Senator Richard Durbin (D-IL) sent a letter to the Federal Trade Commission (FTC) last week to find out whether backlogs in the EMV certification process are keeping retailers from being able to accept chip card transactions.

The news source notes that according to Durbin, many small and midsize businesses have already invested in EMV-capable payment terminals, but lengthy delays in getting hardware and software certified are preventing them from accepting chip cards at the point of sale.

“The EMV certification process is opaque and confusing,” Durbin wrote, adding, “So far only a fraction of merchants who have sought certifications have been able to obtain them."

Read more here.






April 6, 2016

MasterCard Says Consumers Embracing EMV

Credit-card giant sees momentum in U.S. adoption

PURCHASE, N.Y. -- Americans are embracing EMV chip cards, six months after liability for fraudulent purchases made with Europay MasterCard Visa (EMV) cards inside stores passed to merchants, according to a major credit-card company.

While consumers increasingly “dip” their cards to pay inside stores, card issuers and merchants have also made progress, say officials with MasterCard, Purchase, N.Y. In a press release, officials said statistics show increases in both chip-card availability and the number of merchants accepting them:

More than two-thirds (67%) of U.S.-issued, MasterCard-branded consumer credit cards now feature chips.

The chip-card number represents a 51% increase in consumer credit cards with chips in the market since the Oct. 1, 2015, liability shift.

Read more here.






March 25, 2016

Six months in, chipped credit cards gaining acceptance with consumers, retailers

The six-month anniversary of chipped credit cards – becoming the standard for retailers – is coming up on April 1 and the general consensus in the industry on the rollout is “so far so good,” with a touch of “these things take time” thrown in.

While there are hard numbers to examine concerning chip card adoption rates, it is still too early to see the impact they have had on security or credit card fraud.

All U.S. retailers were supposed to be prepared to accept chip cards, also known as EMV, (EuroPay, MasterCard, Visa) cards on Oct. 1, 2015. While only a fraction were actually ready on that day, the numbers have steadily increased with MasterCard now reporting that 1.2 million merchants are accepting the cards – with most of these being small to mid-sized companies, Catherine Murchie.

Read more here.






March 11, 2016

Caught On Camera: Man Places Skimmer On Gas Station Card Scanner

MIAMI BEACH (CBSMiami) – Miami Beach police have released surveillance video of two men who were caught on camera placing a card skimmer over a credit/debit scanner at a gas station.

It happened Wednesday, around 9:30 p.m., at Chevron at 1453 Alton Road.

On the video, one of the men distracts the clerk while the other places the skimmer over the payment keypad located near the register. It took less than three seconds to put it in place.

They both then left the gas station.

The following day, the gas station’s morning clerk called the cops after the skimmer became loose on the keypad.

Read more here.






February 25, 2016

Three-Quarters of Retailers Aren’t EMV-Ready at Checkout

But more than half plan to deploy enabled terminals within 12 months.

BOSTON — Only 22 percent of retailers are equipped to process new EMV cards at the checkout lanes of their stores, according to a new special report from Boston Research Partners (BRP).

EMV cards have an embedded chip, which is a small metal square on the front of the card that adds a higher level of security to the transaction when used in chip-enabled terminals.

According to the new BRP report, entitled Payment/Data Security in an Omni-Channel World, 38 percent of retailers indicate that payment/data security is a top priority and 53 percent of them say they plan to deploy and activate chip-enabled terminals within the next 12 months.

Read more here.






February 9, 2016

Gas stations, c-stores most hit by data breach, says latest study

Convenience store chains and gas station networks appear to be the businesses most vulnerable to data breaches, according to a study entitled Data Breach QuickView: 2015 Data Breach Trends conducted by Richmond, Virginia-based Risk Based Security.

According to a CSP Daily News article, six of the Top 12 “repeat offenders” are oil companies and conveniences stores with Shell Oil ranking number 1 followed by 7-Eleven in terms of multiple data-security breaches incidents.

Houston, Texas-based Shell had 14 data breaches while Dallas, Texas-based 7-Eleven tied with Charlotte, North Carolina-based Bank of America with 13 each.

Laval, Quebec-based Circle K (10 breaches), Irving, Texas-based ExxonMobil (7), Houston-based Marathon Petroleum Corporation (5) and Philadelphia-based Sunoco (6) being on the list reaffirms the retailers’ security deficiencies.

Read more here.






February 3, 2016

Top 10 States Data Thieves Like Best

RICHMOND, Va. -- Although California’s large size and population may explain why it’s the state with the most data breaches in 2015, Indiana—15th in population and 38th in size (vs. California at No. 1 and No. 3, respectively)—ranked highest in the nation for the total number of exposed records, according to a study from a risk management firm.

In its recently released study 2015 Data Breach Trends, Risk Based Security Inc., Richmond, Va., tallied up the total number of reported breaches and exposed records that occurred last year and presented its findings by state.

"To find out the unexpectedly high numbers of convenience-store retailers and oil companies that experienced breaches in 2015, look for more in tomorrow’s CSP Daily News."

Read more here.






February 1, 2016

Authorities Seize Skimming Devices

From Louisiana to New England, convenience retailers are finding skimming devices on dispensers.

​BATON ROUGE, La. – The Louisiana Department of Agriculture and Forestry (LDAF) Weights and Measures division, the U.S. Secret Service and local sheriff’s offices continue their investigations into skimming devices found at gasoline pumps.

Since June 2015, 25 skimming devices have been found throughout the state, containing a total of 801 consumer credit and debit card numbers.

“As we hear more and more about this type of crime, our inspectors are removing anything suspect from the gasoline pumps,” said Agriculture and Forestry Commissioner Mike Strain. “Convenience stores are also aware we are out there looking and are alerting the LDAF and their local authorities when they believe something is wrong.”

Read more here.






January 27, 2016

Chip Cards Gaining Steam: How Businesses Can Benefit from EMV

The shift to EMV is helping to address vulnerabilities in the United States payments ecosystem due to the fact that most other countries migrated to chip technology prior to the U.S., making it an increasingly attractive target for counterfeit card fraud activity over the past several years.

According to the Nilson Report, the U.S. was home to nearly half of the world’s card fraud in 2014. At that time, the U.S. accounted for 48.2 percent ($7.86 billion) of global card fraud losses, but only 21.4 percent of total spending volume.[1] It has been shown that EMV can deliver benefits as a part of industry efforts to combat fraud. Internationally, some countries, such as the United Kingdom, have seen as high as a 70 percent drop in card-present counterfeit fraud after chip card adoption.

Read more here.






January 21, 2016

Consider This If You Haven't Upgraded to EMV

Conexxus webinar outlines four steps c-store operators should take first

ALEXANDRIA, Va. — Convenience store operators who have yet to upgrade their point-of-sale (POS) devices to comply with EMV standards should consider four factors before deciding whether to make the move or not, Kristi Kuehn, vice president of compliance for Heartland Payment Systems Inc., advised during a webinar hosted Thursday by c-store technology trade association Conexxus.

EMV — an acronym for Europay, MasterCard and Visa, the three companies that originally created the security standard — is intended to make it more difficult for cyberhackers to steal customers’ personal information.

EMV reached an important milestone in the United States on Oct. 1, the date of the first liability shift. Now, c-store retailers can be held financially responsible for fraudulent transactions if a customer presents an EMV chip card at the POS and the retailer only has a magnetic stripe card reader.

Read more here.






December 11, 2015

Ups & Downs in C-store EMV Transition

CSNews study finds only 35 percent of chains are now compiant at POS.

NATIONAL REPORT — Fielded just before the Oct. 1 EMV liability shift deadline for point-of-sale (POS) transactions in-store, the 2015 Convenience Store News Technology Study asked c-store chain operators whether they had made the necessary upgrades to be EMV compliant.

Retailers were not required by law to upgrade to an EMV-ready POS by Oct. 1, but convenience store retailers do need to upgrade their POS devices if they want to avoid responsibility for fraudulent or lost/stolen debit and credit card transactions in certain instances.

The results from the study yielded both good and bad news for EMV, an acronym for Europay, MasterCard and Visa, the three companies that originally created the security standard.

Read more here.






December 9, 2015

NACS RELEASES SKIMMING AND PAYMENTS SECURITY RESOURCE


New online resource designed to help address common questions and concerns about skimming.

The online resource, Skimming and Payments Security, provides resources and best practices for retailers to review to reduce the likelihood of skimming at their stores.

“We developed these resources for retailers and the general public, to both offer helpful tips for how to spot a skimmer and to put the issues related to payments security in context,” said Jeff Lenard, NACS vice president of strategic industry initiatives.

Read more here.






December 8, 2015

Gilbarco Passport Receives First FDC EMV Certification

First Data approval will accelerate customer compliance for both transaction types

GREENSBORO, N.C. -- Gilbarco Veeder-Root has been certified by First Data Corp. (FDC) to accept Europay, MasterCard and Visa (EMV) transactions on its Passport POS.

As one of the first petroleum retail point-of-sale solutions to execute live transactions on both debit and credit EMV chip cards, Passport will provide retailers with a seamless upgrade as more and more consumers adopt the new cards. First Data has been producing EMV-enabled cards and processing EMV transactions for years.

“Gilbarco is excited to continue our legacy of first-to-market EMV technology,” said Kevin Bailey, Gilbarco director of North America point of sale. “Our wide range of both indoor and forecourt EMV offerings not only meets the requirements, but also generates a return on investment.

Read more here.






December 1, 2015

Vendor Viewpoint: Important Considerations for Gas Stations & C-Stores When Migrating to EMV

The EMV liability shift that is applicable to all in-store credit and debit card transactions is now in effect, and gas stations and c-stores are beginning to explore ways to upgrade their fuel dispensers to accept EMV in time for the October 2017 liability shift, which applies to the petroleum forecourt.

Unlike in-store payment devices, which are typically replaced every 3-5 years, integrated fuel dispenser payment devices are considerably more expensive and are often used for 10 years or more before being replaced. With this in mind, along with the fact that EMV is just one of the many evolutions consumers are starting to see at the counter, and will begin to see at the pump, gas stations and convenience stores should be especially thoughtful as to what the future has in store (no pun intended) for payments and commerce when evaluating EMV solutions for the petroleum forecourt.

1. INNOVATION DOESN’T END WITH EMV: When it comes to new payment methods in the U.S., it’s safe to say that EMV is the most dominant in the minds of merchants and consumers alike due to the recent liability shift kick-off and the focus it’s receiving in the press.

Read more here.






December 2015

Mobile Apps, EMV, Big Data: The Wrong Link Could Bite You

The back-room cables, router boxes and power cords at any convenience store may look like a tangled yet innocuous mass of technology.

But if improperly constructed, the complex chaos that links a store to the digital world could be the breeding ground for point-of-sale (POS) outages—or worse, fraud and data breaches.

Along with digital formatting and integration issues, the physical pathways that carry these data streams have transformed in just the past two or three years.

“The need for big bandwidth has grown exponentially with the use of digital signage, Wi-Fi, analytics and new payment forms, as has the need for cybersecurity solutions,” says Rosemary Blum, chief marketing officer for Sagenet, McLean, Va.

Read more here.






November 27, 2015

Visa - New and More Secure Ways to Pay This Holiday Season!

A lot has changed since last year’s holiday shopping season when it comes to crossing off your holiday shopping list. For consumers, it’s nothing but good news as 2015 is shaping up to become the most secure shopping season on record. Here’s what to know when you go to pay, in-store, online and on-the-go.

Chip Cards Leading the Charge against Counterfeit Fraud

As more Americans begin using their chip cards for the first time this holiday season, it’s important to know why chip technology makes payments more secure. The chip generates a unique, one-time code for each transaction, adding another layer of protection to every purchase. This technology is virtually impossible to replicate, which means criminals cannot take stolen card information and create counterfeit cards.

Read more here.






November 25, 2015

5 ways to get smart about chip credit cards

This holiday season is the first one in which a large segment of Americans will be carrying upgraded debit and credit cards equipped with EMV chips. The new generation of cards likely will cut down on fraud, but they could make for slower shopping until consumers get comfortable. Here are some facts to know about this transition.

1. This isn’t an overnight switch

In this country, banks have been sending new cards to customers throughout the year, though the process is far from complete. The American Bankers Association estimates that 575 million chip cards will have been issued by the end of 2015. But not everyone will have them for another couple of years.

2. The cards work a bit differently for consumers

Consumers don’t swipe their cards but, rather, insert or “dip” them into terminals — face up and with the chip facing forward. Then they must wait for a transaction to finish, after all the items have been rung up.

Read more here.






November 2015

Opinion: Why We Must Push for PINs

There’s no question the migration to EMV will be difficult and costly. You know the hurdles your company has to face, including the costs involved, the logistics and the potential disruption of your day-to-day operations.

As part of my job with Conexxus, my biggest message going forward is the need to add personal identification numbers (PINs) to chip cards. Doing so will drastically reduce the potential for fraud as c-store operators move as best they can toward installing EMV-certified and -tested hardware and software.

There are two indisputable facts: According to the Federal Reserve Bank, signature transactions have a 400% greater fraud risk than PINs, and consumers know that PINs are far more secure than signatures. (They can also, contrary to the card companies’ assertion, easily remember four-digit PINs!)

Read more here.






October 27, 2015

EMV at the ATM

EMV Compliance

NATIONAL REPORT — For convenience store operators who own ATMs, the next EMV (Europay, Mastercard and Visa) liability shift deadline is coming Oct. 1, 2016. That is when ATMs must be EMV enabled or c-store retailers could be on the hook financially for fraudulent activity, in the same manner as they are at the point-of-sale now.

On the consumer end, many things will remain status quo with EMV ATM transactions compared to current magnetic stripe ATM transactions. However, there are a couple of major differences — and these differences are likely to cause some consumer confusion.

Online PIN verification, as well as online transaction authorization, will be the same, but EMV ATM transactions will require online request messages that contain more data. Therefore, the EMV chip card will need to remain in the ATM machine for the duration of the transaction.

Read more here.






September 10, 2015

Expert Insight: The Real EMV Risk

ATLANTA -- Though the deadline for EMV upgrades at gas pumps is still two years away, many fuel marketers and convenience-store owners across the United States are already analyzing whether the benefits of upgrading their fuel-dispensing equipment to meet this standard is worth the cost to do so.

The pivot point for most discussions is the severity of the liability shift, in particular: How much cost and risk would a retailer incur if they choose not to acquire EMV-compatible equipment? I believe, however, there is another danger that has both a higher probability and a greater potential financial impact. This is the risk of share loss to EMV-enabled competitors.

Though one of the last countries globally to adopt EMV (standards set by Europay, MasterCard and Visa), the United States will begin to catch up this fall, when the October 2015 point-of-sale liability shift compels many retailers to make the change at traditional retail outlets.

Read more here.






August 2015

Are You EMV Ready?

EMV Compliance

EMV, which stands for Europay, MasterCard, and Visa, is a global standard for inter-operation of integrated circuit cards (IC cards or "chip cards") and IC card capable point of sale (POS) terminals and automated teller machines (ATMs), for authenticating credit and debit card transactions.

EMV is a joint effort initially conceived by Europay, MasterCard and Visa to ensure the security and global interoperability of chip-based payment cards. Europay International SA was absorbed into MasterCard in 2002. The standard is now defined and managed by the public corporation EMVCo LLC. JCB (formerly Japan Credit Bureau) joined the organization in December 2004, and American Express joined in February 2009. China UnionPay was announced as member in May 2013,[1] and Discover joined the corporation in September 2013.[2]

Read more here.

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