Winter2021_SSCWN_web

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TRICKS OF THE Presenting some of the best discussions from the Self Serve, IBA and General Discussions sections of CarwashForum.com. To view more posts discussing some interesting and common problems, as well as some of the best and brightest solutions, visit CarwashForum.com (Note: Some posts feature minor edits for readability.) Third time’s a charm for EMV deadline Anyone got advice on this? I was told EMV compliance by April or else your card reader will not work. Does anyone in the industry care to comment? ZAL I do not believe anything is going to stop working in April as there are too many firms with old CC readers. You may find in 2021 that you are charged a fee for non-compliance with respect to CC processing - perhaps more than you want to pay. - ROZ They’ve been saying that for 15 years. First everything was supposed to move to chip/PIN “by the end of the year” with swipe not being supported, and we’re all still doing swipe. Who fed you this line? - MEP001 On the manufacturer side, this is just one of the reasons we walked away from having our own credit card system. Constant moving targets. We were told at least 6 years ago that mag stripes were going to be obsolete in 6 months. - DAN KAMSICKAS So, what I was told - the gas station lobby got extensions every year. They are now compliant and will not lobby for more extensions. We don’t have the clout or numbers to be a concern. - ZAL The EMV deadline at the pump is April 2021. Fuel station operators have till then to comply with the EMV standard for paying at the pump or assume the liability for payment card fraud that happens at their facility. I think everything will continue to work, you will just assume the liability which I think we already have been. - APW This is what I was thinking has been the case since 2015 when the other retailers were forced to. - OURTOWN We’ve already been assuming the liability. Any chargebacks for lost/stolen cards already say no remedy, no chip reader used. - SLASH007 Cards will still be processed via mag stripe readers beyond April, but the liability will be 100% on the merchant as it has been since 2015. This could involve: 3 Chargebacks initiated by customers (we’ve had a few merchants who said their customers know they can dispute charges when they use non-EMV readers, and have exploited this) 3 Bank fees/penalties to ‘cover’ their time for the chargeback request 3 Fees/charges from the banks that issue cards (I’ve read some cases where issuing banks have levied fees on a merchant for every transaction that was not processed via chip read) 3 We’ve never tried to fear-monger at Hamilton with EMV to encourage new hardware purchases, but in the past year EMV has surpassed mag as the credit card solution on all of our new kiosks. We’ve seen a fairly big uptick in retrofit kits for existing units too. So much also depends on the market a wash is in. Higher-income areas tend to have less issues, whereas lower-income areas seem to be more susceptible to the customer-initiated chargebacks. I’m not sure if processors will levy additional fees in April for non-EMV processing, I haven’t heard anything, but I would imagine they’d be notifying customers now if they were planning to. - EXPAT If I update my Htk and goldline to EMV will it be one device for tap and chip? - ZAL Yep! We use the iUC285 by Ingenico, which is a 3-in-1 reader (chip, tap, swipe). It mounts directly into the existing bolt holes on the HTK and GL, so you don’t need to do any quirky drilling or cutting. Processing is through Worldpay. Right now, it can only process chip and mag but Worldpay is making a software update for us in January (I believe) to enable tap. - EXPAT EMV compliant is important, if a customer disputes a charge and you were not EMV compliment, a fine of up to $1000 plus the chargeback fee and amount the transaction will be pulled or billed to your account. I have a good processor who keeps EMV compliment with POS terminals and good rates and zero credit card process fee options for transactions. - ALLAN <strong>SSCWN</strong> EDITOR CHIMES IN: EMV stands for Europay, MasterCard and Visa and refers to the, “Global standard for cards equipped with computer chips and the technology used to authenticate chip-card transactions,” according to creditcards.com. The original deadline for retailers to accept chip-based credit cards was October 1, 2015, but it was extended to October 2020 when it seemed as if retailers were not making enough effort to adapt to the new credit card feature. However, with Covid-19 it became even more evident that retailers were struggling even more and unable to meet the Autumn deadline. Now, there is the new deadline of April 17, 2021. According to a sponsored article by SageNet which appeared in CSP magazine, while traditional payment cards store data in magnetic strips that can be copied and counterfeited, EMV cards use computer chips to create a unique, one-time code for each transaction. That code is useless to a criminal if stolen because it can’t be used again. …While the move to EMV is not mandatory, card issuers have given merchants an incentive to replace their point-of-sale (PoS) systems with EMV-compliant equipment. For example, liability for purchases made with a compromised card shifts from the card issuer to the party that is the least EMV-compliant. In other words, the cost of fraud will be the responsibility of the non-compliant merchant.” SageNet also states, “EMV does not eliminate the need to maintain compliance with the Payment Card Industry Data Security Standard (PCI DSS). EMV is concerned with preventing fraud in card-present transactions, while PCI DSS focuses on securing cardholder data. Fuel retailers must ensure that they remain PCI DSS compliant as they upgrade their PoS systems and software.” 20 • WINTER 2021
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