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Heartland Out-of-Scope EMV Solutions Reduce Risk, Costs

June 16, 2017
Even though more than 97 percent of all U.S. credit cards are now issued with chips, many restaurant owners continue to struggle to implement and maintain EMV technology due to cost and complexity. In fact, more than 60 percent of U.S. merchants still aren’t ready, even though the “liability shift” went into effect more than two years ago. Restaurants are a leading target for point-of-sale intrusions – which can be costly – so it’s more important than ever to ensure your business is protected. Heartland offers out-of-scope EMV solutions to protect merchants...

A mid-term report card on EMV

November 7, 2016
It’s been approximately one year since the EMV liability shift took effect and it’s time for a mid-term report card on EMV’s issuance, acceptance, speed, security and overall impact. EMV Issuance In terms of card issuance, I have to give the issuers a “B+” for the pure volume of credit and debit cards they’ve placed in the hands of millions of cardholders, starting even before the liability shift began. As of June 2016, Visa reported that 125 million credit cards were issued, representing 44% of all credit cards. Visa also reported that 126 million debit...

Don’t let fraudsters eat your lunch

November 2, 2016 to November 20, 2016
Liability shift lifts veil on small counterfeit charges By: Georgia Stavrakis, CPP It’s been a year since the U.S. migrated to EMV technology, and more than 1 million businesses now use EMV chip-embedded credit card readers. Unfortunately, criminals are taking full advantage of businesses that haven’t fully made the switch, leaving even small businesses vulnerable to costly chargebacks. Restaurants have been plagued for years by counterfeit, stolen and cloned credit card activity, but it’s much more apparent now that liability for these fraudulent charges shifted to the...

Webinar: Restaurant Chargebacks and EMV

June 23, 2016
Have you experienced an increasing number of chargebacks in the wake of last fall's liability shift? Now that the fraud liability shift has moved to merchants, many restaurant operators are seeing an increase in chargebacks in the restaurant space. Many restaurant POS companies do not have a method (EMV) to process these cards which in turn exposes the restaurant to the liability. Join the National Restaurant Assocation (NRA) and Heartland Payment Systems for a webinar on this topic on June 23, 11 a.m. ET . During this webinar, experts from Heartland and the National Restaurant...

Life After the EMV Liability Shift

November 5, 2015
Content provided by Heartland Payment Systems a RAMW Endorsed Provider . The liability shift deadline has passed. And guess what? The world didn’t come to an end—just like it didn’t when the clock struck midnight on January 1, 2000. But unlike Y2K, EMV is here to stay. The good news is the sun didn’t set for good on October 1. Maybe you were aware of the liability shift, but decided against the equipment upgrade. You might have had every intention of becoming compatible, but before you knew it, October 1 had come and gone. Or you could still be trying to understand how...

Cyber Security: Trick or Truth

October 1, 2015
Cyber Security: Trick or Truth [Infographic] by Heartland ​ October 1st, 2015 In honor of National Cyber Security Month, we bust the most common myths surrounding EMV, firewalls and more, so you can effectively protect your business from the ghosts and goblins, otherwise known as hackers. You don’t have to be a target. Learn more about Heartland’s data security solutions...

EMV (Chip and Pin) and Restaurants

August 14, 2015
The EMV (European MasterCard Visa) migration is rolling full steam ahead in the United States and it’s a tectonic shift of the nation’s payments infrastructure. Banks and card issuers are sending out chip cards to their customers, while retailers are deploying new terminals to support them. Effective October 1, 2015 Visa, MasterCard, Discover and American Express have mandated liability shifts for fraudulent transactions. Generally, liability will shift to the party using the least secure technology. If you’re like many restaurateurs, you may be having a hard time building a...Read more