Understanding Your Risk - Make Your Data Useless to Criminals

By Lynn Skurla Perkins | Sep 30, 2019 3:56:13 PM

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 12:31:46 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 11:26:33 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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Affordable EMV Solution for MICROS Customers

By Thomas Greenman | Feb 25, 2019 10:23:00 AM

Did you know that the EMV liability shift happened in October of 2015?  Ever since then, if you are using MICROS and haven't gotten an EMV upgrade, your business is at risk for increased chargebacks, especially with counterfeit cards.  These counterfeit cards don't work on systems that have been upgraded but for merchants with old style swipe readers, they are easy prey to criminals.  Upgrades can be expensive but they don't have to be.

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

By Lynn Skurla Perkins | Apr 20, 2017 9:27:00 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.).  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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MICROS/Oracle EMV Chip Solution is Here!

By Thomas Greenman | Dec 13, 2016 4:44:59 PM


EMV
, or Chip cards, have had a slow roll out in the US over the past couple of years.  At Skurla's, we've seen a handful of third party solutions for our MICROS (Oracle) customers that forced merchants to go to a different credit card processor.  The day has come that we can provide a true solution that you can use just about any processor you want and it's from a company you probably are already using:  Merchantlink.

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