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Company News 2014-12-31T13:03:04+00:00

Announcements

Chip Card Nightmares?

As a consumer, I’ve noticed that EMV/Chip card transaction are slower.  As a payments industry consultant, I know EMV transactions are more secure for retail transactions but do nothing for online transactions.  EMV transactions will get faster and ubiquitous in retail.  As the following article from the WSJ argues, mobile payments will speed the adoption – http://on.wsj.com/2aOcl9I 

EMV Status Report

By most industry accounts about 25-30% of US merchants are ready to process EMV transactions on October 1, just three days away.  This is not surprising as EMV enablement is complex, costly and just one part of the payments security layer (more on this later).

Collusion Course: Allegations Muddle Interchange Settlements

Anand Goel was recently quoted in an article on AFP by Andrew Deichler.  This is a great article discussing why the $5.7 billion interchange settlement between Visa/MC and retailers might be in jeopardy. Here is a preview with a link to the entire article. The controversial $5.7 billion settlement between Visa, MasterCard and retailers over […]

Debit Network Distinctions Blur

Good article from First Annapolis on debit networks and congruence between duel and single message networks.  Read original article here. The debit industry has been in a state of upheaval over the last five years, particularly with regard to the historical distinctions between dual-message (Signature debit) and single-message (PIN debit) systems. Looking to the full […]

Reducing Pain of EMV & POS Upgrades

Many retailers are struggling with the cost and time involved with upgrading their payments infrastructure to accommodate for EMV cards and contactless payments, including Apple Pay.  The challenge is not just replacing the payment terminals with a Verifone or Ingenico EMV capable terminal.  The greater challenge is certifying/upgrading every link in the payments communication chain […]

Press Releases

Chip Card Nightmares?

As a consumer, I’ve noticed that EMV/Chip card transaction are slower.  As a payments industry consultant, I know EMV transactions are more secure for retail transactions but do nothing for online transactions.  EMV transactions will get faster and ubiquitous in retail.  As the following article from the WSJ argues, mobile payments will speed the adoption – http://on.wsj.com/2aOcl9I 

EMV Status Report

By most industry accounts about 25-30% of US merchants are ready to process EMV transactions on October 1, just three days away.  This is not surprising as EMV enablement is complex, costly and just one part of the payments security layer (more on this later).

Collusion Course: Allegations Muddle Interchange Settlements

Anand Goel was recently quoted in an article on AFP by Andrew Deichler.  This is a great article discussing why the $5.7 billion interchange settlement between Visa/MC and retailers might be in jeopardy. Here is a preview with a link to the entire article. The controversial $5.7 billion settlement between Visa, MasterCard and retailers over […]

Debit Network Distinctions Blur

Good article from First Annapolis on debit networks and congruence between duel and single message networks.  Read original article here. The debit industry has been in a state of upheaval over the last five years, particularly with regard to the historical distinctions between dual-message (Signature debit) and single-message (PIN debit) systems. Looking to the full […]

Reducing Pain of EMV & POS Upgrades

Many retailers are struggling with the cost and time involved with upgrading their payments infrastructure to accommodate for EMV cards and contactless payments, including Apple Pay.  The challenge is not just replacing the payment terminals with a Verifone or Ingenico EMV capable terminal.  The greater challenge is certifying/upgrading every link in the payments communication chain […]

Articles

Chip Card Nightmares?

As a consumer, I’ve noticed that EMV/Chip card transaction are slower.  As a payments industry consultant, I know EMV transactions are more secure for retail transactions but do nothing for online transactions.  EMV transactions will get faster and ubiquitous in retail.  As the following article from the WSJ argues, mobile payments will speed the adoption – http://on.wsj.com/2aOcl9I 

EMV Status Report

By most industry accounts about 25-30% of US merchants are ready to process EMV transactions on October 1, just three days away.  This is not surprising as EMV enablement is complex, costly and just one part of the payments security layer (more on this later).

Collusion Course: Allegations Muddle Interchange Settlements

Anand Goel was recently quoted in an article on AFP by Andrew Deichler.  This is a great article discussing why the $5.7 billion interchange settlement between Visa/MC and retailers might be in jeopardy. Here is a preview with a link to the entire article. The controversial $5.7 billion settlement between Visa, MasterCard and retailers over […]

Debit Network Distinctions Blur

Good article from First Annapolis on debit networks and congruence between duel and single message networks.  Read original article here. The debit industry has been in a state of upheaval over the last five years, particularly with regard to the historical distinctions between dual-message (Signature debit) and single-message (PIN debit) systems. Looking to the full […]

Reducing Pain of EMV & POS Upgrades

Many retailers are struggling with the cost and time involved with upgrading their payments infrastructure to accommodate for EMV cards and contactless payments, including Apple Pay.  The challenge is not just replacing the payment terminals with a Verifone or Ingenico EMV capable terminal.  The greater challenge is certifying/upgrading every link in the payments communication chain […]