EPX Commentary from the 2012 Goodyear Dealers Conference

January 30th, 2012

 

EPX Exhibiting at the 2012 Goodyear Dealers Conference

EPX Exhibiting at the 2012 Goodyear Dealers Conference

 

EPX booth at the 2012 Goodyear Dealers Conference

EPX booth at the 2012 Goodyear Dealers Conference


The 2012 Goodyear Dealer Conference is in full swing! Thousands of Goodyear dealers are wandering through the Gaylord Palms Convention Center in Orlando, FL looking to score big on the hot new Goodyear products.

The EPX booth has been full of potential customers since the minute the doors opened last night. Our booth (# 605) is decked out with displays showcasing a local Goodyear dealer and his significant cost savings from switching to EPX for his stores’ card processing. We’re also giving away chances to win an Apple iPAD 2 to everyone who stops by.

While at our booth, dealers can  fill out our easy-to-use online application or sit with an EPX representative to analyze statements and discuss the significant cost savings EPX can offer. Everyone who signs up for EPX processing is eligible to receive a special show-only discount on the new Ingenico iSC350 terminal, as well.

If you’re not here this year, we hope to see you next year at the Goodyear Dealer Conference when it is held in Washington, DC. We’ll be the booth with the biggest crowd!

‘Gameover’ Phishing Scheme Infects Computers via Fake Emails From Financial Institutions

January 23rd, 2012

The FBI recently identified another phishing scheme that attempts to gain access to financial information by tricking email recipients into downloading malicious programs from fake emails and web sites. The malware, named “Gameover,” can steal usernames and passwords and defeat common user authentication methods used by financial institutions.

In most cases, an unsolicited email is sent to an unsuspecting recipient from an address that appears to be part of the National Automated Clearing House Association (NACHA), the Federal Reserve, the Federal Deposit Insurance Corporation (FDIC), or some other financial institution. The email informs the recipient of problems with an ACH transaction or bank account and provides a link to a site that is supposed to resolve the phony issue. After the recipient clicks the link, he is directed to a fake site that downloads the malware, which in turn, infects his computer.

Protect Yourself and Your Business

Be sure you, your employees, and your colleagues are vigilant about determining email authenticity before clicking links or downloading attachments.
According to NACHA, some phony emails claim to be from NACHA employees or departments and often include a counterfeit NACHA logo. NACHA, FDIC, and the Federal Reserve all say they don’t send out unsolicited e-mails to bank account holders. If you want to confirm there’s a problem with your account or one of your recent transactions, contact your financial institution directly.
Other best practices include:

  • Never download something unless you are certain of its origin and purpose. Similarly, do not click on email attachments or links embedded in emails if you do not recognize the sender or the content.
  • Dedicate one computer to handle financial transactions only, and use business-related computers for business purposes only. Do not use computers used for financial transactions for personal web surfing or personal email, and do not open personal files (via download, external drive, CD, etc.) on these dedicated computers.
  • Only enter sensitive data on secure web sites, sites whose web address begins with https://.
  • Only enter sensitive data on web forms when you have initiated the contact. No web site or email should randomly ask you for credit card data or other personal information.
  • Always keep anti-virus software up-to-date so it can protect against the latest security threats. Enable automatic updating so you don’t forget to update. Perform regular scans of your system.
  • Regularly check for browser and operating system updates (or enable automatic updating).
  • Don’t accept unsolicited jobs online that require you to receive funds from numerous bank accounts and then wire the money to overseas accounts—you could get caught up in a criminal investigation.

If you think you’ve been victimized by this type of scheme, contact the entity purporting to send the email, and file a complaint with the FBI’s Internet Crime Complaint Center.

Watch EPX Videos to Learn More About Payment Processing

January 10th, 2012

To learn more about Electronic Payment Exchange (EPX) and our credit card, debit card, and ACH processing options, see the EPX videos at http://www.epx.com/solutions/EPX_videos.html.

Topics include:

  • Gaining Payment Processing Transparency with EPX webSuite Real-Time Reporting
  • PCI Compliance and Reduced Costs via Outsourced Payment Processing from EPX
  • Streamlining Credit Card Chargebacks with EPX webSuite
  • Credit Card Processing with EPX BuyerWall Tokenization
  • About EPX

Check them out at http://www.epx.com/solutions/EPX_videos.html!

MasterCard Acquirer Fee Modifications Take Effect January 8

January 4th, 2012

Effective January 8, 2012, MasterCard will change how the Network Access and Brand Usage (NABU) fee is assessed, and modify the Acquirer Brand Volume fee for certain transactions.

Beginning on January 8, 2012 the $0.0185 NABU fee will transition from being assessed on settled transactions to being assessed on authorization transactions. The NABU fee will be applied consistently across all authorization transactions types except for those with select authorization error response codes. NABU fees will continue to be billed for Collection Only and Refund/Credit transactions.

The Acquirer Brand Volume fee (ABVF) will increase by 0.01 percent on all Consumer and Commercial credit volume of $1,000 or more. MasterCard has adjusted this fee to allow for incremental values for larger transactions instead of a flat fee. Signature debit transactions are not included in this change.

Unattended Self-Service Kiosks Gain Popularity, Demand Secure Payment Processing

November 25th, 2011

The use and variety of unattended self-service kiosks and terminals have been on the rise in recent years as businesses in a variety of fields realize their appeal. The popularization of these kiosks and their integrated payment systems began with self-serve, pay-at-the-pump gasoline stations and self checkouts in grocery stores. These types of kiosks allow consumers the convenience of a typical transaction, without waiting in line or having to interact with employees. This purchasing convenience enables consumers to pay for and procure goods and services at any time of the day, on any day of the year.

The market for unattended self-service delivery is increasing, and companies are looking for ways to integrate self-service technology into their business plans. The reason for this is simple: the convenience of self-service attracts customers.  Plenty of people have used self-service checkout stations at a supermarket. Most people have filled their cars’ gas tanks using self-service terminals at gas stations. The number of people renting DVDs and books from in-store kiosks is increasing steadily. This convenience benefits both the customer and the merchant.

Further adding to the flexibility and appeal of these self-service kiosks are the flexible payment methods available to customers. Almost all unattended self-service kiosks will accept cash, and as these kiosks have become widespread, consumers are now able to pay using credit cards or debit cards, and even smart phones. Smart phone, debit card, and credit card payments create less need for customers to carry cash, and this flexibility of payment options is something that many customers find attractive.

Self-service kiosks offer consumers additional convenience. Customers can typically access unattended self-service kiosks twenty-four hours a day, seven days a week, on any day of the year. Self-service kiosks allow customers to make purchases at their own pace, without any sales pressure. When you consider the effect of these conveniences, it’s no surprise that self-service kiosks are becoming widespread.

Self-service kiosks also offer the merchants who employ them additional conveniences. Merchants have additional sales opportunities after hours, on weekends, and on holidays. At times their stores would normally be closed, their unattended self-service kiosks can serve customers. In addition, a supermarket with self-checkout terminals can host several terminals in the same space that a checkout aisle would typically occupy. Offering self-service kiosks frees up staff to focus on other tasks, like merchandising and store maintenance.

When you consider what these terminals offer to both customer and merchant, along with the simplicity of the exchange and the security and reliability of the transaction, it is no wonder we see these terminals and kiosks with increasing frequency in stores, gas stations, markets and any other places of commerce. It seems that companies are searching for more effective ways to serve their customers, and any expanding business would do well to see how it might integrate these machines into their business plan. Existing machines offer examples of how they might be implemented, but there is still plenty of room for innovation and ingenuity within the self-service market.

Electronic Payment Exchange (EPX) plays an important role in the self-service marketplace. EPX’s recent partnership with Cryptera, a world-leading provider of secure payment solutions and encrypting PIN pads, allows EPX to expand its services and brand name by processing transactions for additional self-service terminals. EPX payment processing technology can be embedded into kiosks, allowing customers and merchants to take advantage of EPX’s fast, secure, and inexpensive payment processing service. EPX’s secure payment processing and encryption programs are the right choice for merchants or kiosk equipment providers looking to enter the self-service kiosk market, or any merchant looking to upgrade their current service with reliable, secure and custom payment technologies.

Written By: Josh Moyer