Understanding Your Risk - Make Your Data Useless to Criminals

By Lynn Skurla Perkins | Sep 30, 2019 9:00:00 AM

Here is the last in the series from the PCI Council's -  How to Protect Your Business With These Security Basics.

Security risks are everywhere these days - everyone up and down the chain is affected.  At Skurla's Point of Sale Solutions, we take security very seriously - and wanted to share some resources from the PCI Security Council.  

This month's topic:  Understanding Your Risk - Make Your Data Useless to Criminals

According to the Council:  

"The best way to keep it (your data) safe is to make it useless even if it’s stolen by hiding it, and removing it altogether when it’s not needed. While this can be more complex to put in place, in the long run, it can make security much easier to manage.  While protecting your customer's data can seem overwhelming, below are some basic recommendations that every business should follow."

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Understanding Your Risk - Protect Your Business From the Internet - Please Read!

By Lynn Skurla Perkins | Aug 26, 2019 12:30:56 PM

Here is the next in the series from the PCI Council's -  How to Protect Your Business With These Security Basics.

Security risks are everywhere these days - everyone up and down the chain is affected.  At Skurla's Point of Sale Solutions, we take security very seriously - and wanted to share some resources from the PCI Security Council.  

This month's topic:  Understanding Your Risk - Protect Your Business from the Internet

Oh yes, the Internet - for business owners, it is often a double-edged sword.

According to the Council:

"The Internet is the main highway used by data thieves to attack and steal your
customers’ card data. For this reason, if your business is on the Internet, anything you use for card payments needs extra protection."

While protecting your customer's data can seem overwhelming, below are some basic recommendations that every business should follow.

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Understanding Your Risk - Use Secure Payment Terminals and Solutions

By Lynn Skurla Perkins | Jul 23, 2019 11:23:37 AM

Here is the next in the series from the PCI Council's -  How to Protect Your Business With These Security Basics.

Security risks are everywhere these days - everyone up and down the chain is affected.  At Skurla's Point of Sale Solutions, we take security very seriously - and wanted to share some resources from the PCI Security Council.  

This month's topic:  Understanding Your Risk - Use Secure Payment Terminals and Solutions

According to the Council:

"A sure way to better protect your business is to use secure payment solutions and trained professionals to help you."

"Your customers enter their personal identification numbers (PINs) for their payment cards into your payment terminal or PIN entry device. It is important to use secure devices to protect your customers’ PIN data."

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Implementing EMV is Simple with MobileBytes

By Lynn Skurla Perkins | May 15, 2017 3:33:44 PM

If you are in the restaurant industry, you may have heard the war stories about implementing EMV in the U.S.  As you go through your mental list of places you shop and dine - how many actually have the new CHIP readers integrated into their point of sale system? And of those that do - how many actually work? Lots of places have them, but the CHIP reader is still not available for use.

 In the Point of Sale world, mass confusion abounds. In my experience as the CEO of Skurla’s POS Solutions, many of the major Point of Sale providers STILL don't have an EMV solution that works. Or maybe they have a solution that works for some kinds of payment types, but not others.

 

 For a while, it seemed that we were uninstalling and reinstalling more EMV solutions than we had successfully installed. Hundreds of man hours have been wasted on trying to get solutions working - and some still don't work! Our customers were frustrated, and we were pulling our hair out.

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Pay at the Table and EMV - What Does it Mean for your Restaurant?

By Lynn Skurla Perkins | Apr 19, 2017 9:29:00 AM

We frequently get asked about the future of Pay at the Table - and why it hasn't been widely adopted in Alaska (and the rest of the U.S.).  For our MobileBytes customers, Pay at the Table and EMV are available now!

Here is an article from Hospitality Technology from June 2016:

"In an EMV world, it’s best practice for cards to never leave the customer’s possession during a transaction. In the U.S., an additional driver for bringing payment to the table is mobile payment solutions such as Apple Pay, which require either a fingerprint ID or PIN. The payment method can’t come to the POS – customers aren’t going to turn over their PIN or smartphone – so the POS has to come to the customer.
 
There are multiple benefits for implementing tableside payment at restaurants. Not only does bringing the point of sale to the customer help to boost table turns and revenue, it also helps to protect customer cardholder data, which is a major concern for merchants. Here, Greg Burch, vice president of strategic initiatives U.S. for Ingenico Group, highlights some of the perks and breaks down a few best practices.
 
Paybacks from tableside payment
Higher table turns. Consider a typical payment transaction with a magnetic stripe card: a server drops a check at the table in a billfold, and leaves. The customer retrieves their card and leaves it in the billfold, then waits for the server to return. Sometimes that happens a minute later, and sometimes it’s 10 or more minutes later.  Then the customer waits again for their receipt. Most restaurants measure table turns closely, and even small increases can contribute to profitability. Moving from three to four table turns per shift can increase revenue by 20-25 percent.
 
Less waiting for customers, higher tips for servers. Cutting down that wait time by bringing the payment device to the table not only leads to more table turns and increased face-time, but also higher customer satisfaction. The result is better tips for servers. We witnessed this firsthand in Canada, where Pay-at-the-Table became the standard shortly after that country’s EMV migration in 2010.
 
Reduced chargebacks. Businesses that do not upgrade their payment technology to accept EMV chip cards are putting themselves at risk of chargebacks due to credit card fraud. Major acquirers have reported that chargebacks have been on the rise since the October 2015 liability shift, with restaurants being one of the major areas affected. This is essentially a trickle-down effect: as more merchants move to EMV, fraud moves to areas that have been slower adopters. Even a small increase in chargebacks and card fraud can be potentially devastating to a small business.
 
Reductions in identity theft. Card skimming by servers has been known to occur in the hospitality industry, where cards typically leave consumers’ sight for several minutes. Servers who are part of fraud rings can wear discreet card skimmers on their belt loops and collect card data from hundreds of customers in a week. Five hundred skimmed cards can be sold on the black market for $1500 or more – significantly boosting a server’s annual income. Pay-at-the-table eliminates that possibility by keeping cards out of servers’ possession.
 
8 Best practices for rolling out pay-at-the-table  
There is no question that pay-at-the-table is becoming a major factor in the market, with some – ipredicting it to be the predominant payment method throughout the hospitality industry by the end of 2016. For those thinking of rolling out pay-at-the-table, here are a few tips for a smooth and successful implementation.
 

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New MobileBytes Hardware & EMV Options

By Thomas Greenman | Dec 16, 2016 9:28:24 AM

EMV Chip Processing Comes to MobileBytes!

MobileBytes has released support for EMV Chip card processing.  Utilizing PAX Payment terminals, adding EMV processing couldn't be any easier.  EMV not only helps you avoid chargebacks for EMV transactions on non EMV equipment, but also provides a higher level of security.

How does it work?

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