20 Jan: What is PCI?

PCI is the association that sets security standards and regulations for the Payment Card Industry and the PCI 3.x April 30th, 2020 deadline is approaching. In the upcoming months, businesses must consider if they will continue to purchase last time buys of PCI 3.x technology or upgrade to the newer, more secure 5.x technology. Important Things to Know Payment Card Industry Security Standards Council (PCI SCC): Formed as PCI began to evolve and improving payment account security became a significant concern. PIN Transaction Security (PTS): Devices for the point-of-interaction for capturing payment card data and validating approval of its use for a transaction. Payment Card Industry Data Security Standard (PCI DSS): A set of security standards created by the PCI SCC and designed to ensure that a company that accepts, processes,…


07 Nov: EMV Certification Process in 3 Easy Steps

EMV Certification Process in 3 Easy Steps You may have heard of EMV (Europay, MasterCard and Visa) certification as it pertains to businesses becoming EMV compliant with the necessary equipment to mitigate fraud. But what exactly is EMV certification, and how does the process work? With EMV chip technology becoming the norm, what do you need to know about EMV certification? In this piece, we’ll help you answer those questions. We’ll dive into the 3 levels of certification and explain the EMV certification process by breaking it down into 3 easy steps. Additionally, we’ll explain how our EMV certified common kernel makes the process much simpler. Levels of EMV Certification Before we dive into the steps in the EMV certification process, let’s take a look at each of the 3 levels….


07 Nov: Contactless Payment Technology: 5 Things You Need to Know

Contactless Payment Technology: 5 Things You Need to Know If you use or accept credit cards, chances are you’ve heard of contactless payments. You might even use contactless payment forms such as tap and go with your card or your smartphone on the latest point-of-sale hardware. But have you implemented the relatively new technology into your own business yet? If you haven’t, or if you just want to learn more about contactless payment technology, you’re in the right place. When EMV credit cards started using chip technology instead of a magnetic stripe, contactless payment technology came into play. So how does the technology work? It uses radio frequencies and Near Field Communication (NFC) to collect card holder data from the card. The card carries a built in antenna and communicates with…

Woman paying for coffee

10 Sep: What is POS Hardware?

What is POS Hardware? POS hardware is the physical equipment used to process a transaction at the point of sale. You can think of it as the “point” where the customer and business commit to doing business together. It is a combination of hardware and software that does much more than merely performing a transaction. It impacts the day-to-day workings of the business, such as accounting, inventory control, and employee scheduling. What Components Comprise POS Hardware? Modern POS systems incorporate both POS hardware and software. From the customer side, the hardware consists of a smartphone or tablet while the software is an app on that mobile device. So instead of a credit card, a customer can pay with a store app or electronic wallet. From the business side, there are such…


09 Sep: Why “Pay and Go” Kiosks are the Future of Payments

Each month, bills come around. There’s no avoiding them, and there’s no stopping them. Although many companies are opening their payment methods up to online payment options, there are still customers who prefer to pay with cash or check, or simply don’t want their credit card information online. Pay and go kiosks are the solution to this. Not only are they easy to use, but they are also convenient for customers. The kiosks can be used internally and externally, so if the business is closed and a customer still needs to pay a bill, they can use the outdoor kiosk or go to kiosks located in a convenience store or mall — two options that are typically open past normal business hours. They are a great alternative to paying online or…


09 Sep: Do Self Service Kiosks Actually Save Time?

These days, it seems that people will do anything to save a bit of time. Businesses and banks have been responding accordingly, offering new ways to pay that are both more secure and more time-friendly. One of the ways businesses have created a payment shortcut is by introducing self-service kiosks to their checkout lines. You might have seen them during your last coffee run to McDonald’s or your last lunch break at Panera Bread. Rather than waiting in line for everyone to order one burger with everything, one burger with no pickles and one burger with ketchup only and then count out 72 cents after they’ve finished placing an order, you can pop your order into the freestanding kiosk, swipe your card and wait for the order to show up at…

VP6800 on vending machine - vertical - new screen

29 Aug: Vending Machine Card Readers: 4 Things to Know

If you’re an on-the-go person and don’t like waiting in lines for snacks or drinks, or if you’re at work and need a mid-afternoon caffeine kick, chances are you visited a vending machine a time or two. They’re quick and convenient with no human interaction. Besides the once in a while frustration of trying to shake your bag of pretzels loose from the last rung of the vendor when it gets stuck, the machine is probably pretty stress-free. But what about those times when the machine doesn’t give your change back, or worse yet, doesn’t take your crumpled bills? Newer vending machines are being equipped with chip card reading technology, and its important to understand the changing technology. 1. You Don’t Need a Chip-Enabled Card to Use a Vending Machine…yet Not…

Female customer using phone to pay for order in cafe

29 Aug: Tap and Go: What It Is and Why It Matters

Payments today give consumers a range of possible payment methods. Gone are the days of just cash or credit. Now, you can buy your daily coffee or that smart TV you’ve been wanting with cash, credit, check, Google Pay, Apply Pay or another type of digital wallet. Tap and go, or contactless payments, are popping up all over with the help of new technology in payment terminals. With the help of what is called Near Field Communication (NFC), credit cards and digital wallets on your smartphone or smartwatch can complete your purchases with something as simple as a tap on a screen. Why Do We Need Another Form of Payment? People are running on different schedules at all times. When you might have time to count out 47 cents one day,…

Smiling customer paying with credit card

17 Jul: How Payment Terminals Work

You’ve probably seen signs that say ‘payment kiosk here’ or ‘we accept Apple Pay’ in any number of stores you’ve been in recently. You’re probably used to paying at the pump at a gas station with an easy swipe of your card. You might have gotten annoyed when you purchased coffee at a mom-and-pop shop and they didn’t have a contactless payment option to accommodate your digital wallet. If you’re an owner or employee at a retail business, you’re likely very familiar with the importance of payment terminals. If a system goes down, business comes to a halt. If you don’t offer enough options, customers may complain. Striking the right balance between cost and convenience can be tough. Today, there are all types of payment options that businesses are introducing into…

Cropped section of credit card with selective focus

18 Jun: EMV Chip Technology: 6 Things You Didn’t Know

You might feel like every time you walk into a store there is a different type of credit card terminal you’re swiping or dipping your card into. For the most part, they all work similarly, but it’s true — there is a multitude of payment options businesses can choose from. For instance, many new small businesses are choosing to stick with contactless payments, while older businesses have slowly begun to make the switch to EMV terminals and chip card readers. Why did EMV come about? American Express, Discover, JCB, Mastercard, UnionPay, and Visa all wanted to create a global standard for payment solutions. Because the U.S. is still going through the switch from magnetic stripe credit cards to chip reader credit cards, you may have some lingering questions about EMV chip…