Hello. Is there any gadget of equipment that one can use to verify if the card is true with the EVP chip before we swipe it as our system is old...as banks now have shift the fraud liability to the merchants if the card is not read by an EVP reader.....regards
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Credit card EVP verification 1
- Thread starter Micros888
- Start date
You may have a hard time finding an EMV reader to integrate with you system. Oracle won't be supporting them on anything below Res 5.4.
If you're thinking of a standalone reader, your processor may be able to provide you with something. You can't run the auth through the EMV reader to verify and then through your Micros system though. You'll end up putting two holds on the guests' credit cards.
If you're thinking of a standalone reader, your processor may be able to provide you with something. You can't run the auth through the EMV reader to verify and then through your Micros system though. You'll end up putting two holds on the guests' credit cards.
As long as you aren't selling large ticket items paying the liability is cheaper than upgrading your system.
Our concept is fairly large so we won't be rolling out readers for at least another year. We've only had one bad card come in so far and it cost us 14 bucks. Lots cheaper than upgrading our pos version and buying a reader.
Our concept is fairly large so we won't be rolling out readers for at least another year. We've only had one bad card come in so far and it cost us 14 bucks. Lots cheaper than upgrading our pos version and buying a reader.
MenulinkMan
Technical User
From what I understand, banks have not released the PIN numbers for EMV anyways. This means that all is required is a signature, and if I have your physical card in hand, i'm still going to have no issues. The chip will only verify that the physical card is not a fake (duplicate) card, but instead the real one. ie: I can't steal your card number and put it on a mag stripe and have it work with chip n pin.
In our restaurants, we might get $100 a year in chargebacks per store that are legit or accidents on the servers part, and that in no way convinces us to spend thousands in hardware that will not pay for itself by the time the EMV system changes, and we need hardware upgrades.
In our restaurants, we might get $100 a year in chargebacks per store that are legit or accidents on the servers part, and that in no way convinces us to spend thousands in hardware that will not pay for itself by the time the EMV system changes, and we need hardware upgrades.
At some point, the banks will push harder to get merchants to move to EMV, there is more to it than just fraud. PIN may come later but there is no requirement for it and it will be by bank, not card brand.
If you are not going to add EMV anytime soon, I would suggest keeping a close eye on chargebacks to see if they do increase. They should note them as EMV cards somehow. My understanding is the only fraudulent transactions that won't be covered would be cards that have chips on them. If you have chip readers and the card doesn't have a chip, it is the bank's fault.
If you sell gift cards, I would suggest backing up any EMV cards with an ID to buy them. Thieves likely will target businesses they know don't do EMV and buy gift cards which they can turn in for cash.
If you are not going to add EMV anytime soon, I would suggest keeping a close eye on chargebacks to see if they do increase. They should note them as EMV cards somehow. My understanding is the only fraudulent transactions that won't be covered would be cards that have chips on them. If you have chip readers and the card doesn't have a chip, it is the bank's fault.
If you sell gift cards, I would suggest backing up any EMV cards with an ID to buy them. Thieves likely will target businesses they know don't do EMV and buy gift cards which they can turn in for cash.
For places where risk is a greater factor I recommend the Ingenico ct 220 at just under $200 they are a no brainer. I have a few restaurants in Hollywood, Ca. They tell me the new game customers like to do is go to places with a card with chip. If they see them swipe it instead of using a chip reader they call the CC company and call fraud. Since all liability is now on restaurants, they must prove the transaction is real. If they had used the Ingenico ct 220 they would have won the fraud, but since they use mag swipe, the restaurant just lost that money. Sadly, more people are going to catch on to this and use there cards with chips everywhere places have not upgraded. We are now in uncharted territories.
You can get the Ingenico ct 220 directly from your processor. they have both lan and phone connection, no wifi or broadban at this time. You will need to make a new payment type to reconcile what is swiped in your POS and what is chiped somewhere else. Just create 2 payments for each of the 4 cards. Visa Swiped, Visa No/swipe. the No swipe does not process through EDC but does help to reconcile checkout and allows staff to enter tips
The integrated solution is estimated to be certified by Aloha in the first quarter of 2016. Not sure about Micros
AlohaRoss
3rd Party support
You can get the Ingenico ct 220 directly from your processor. they have both lan and phone connection, no wifi or broadban at this time. You will need to make a new payment type to reconcile what is swiped in your POS and what is chiped somewhere else. Just create 2 payments for each of the 4 cards. Visa Swiped, Visa No/swipe. the No swipe does not process through EDC but does help to reconcile checkout and allows staff to enter tips
The integrated solution is estimated to be certified by Aloha in the first quarter of 2016. Not sure about Micros
AlohaRoss
3rd Party support
- Thread starter
- #8
Thank you for all the great ideas as I am a small operation and people have already figured out this issue as receive $700 worth of char backs that the Bank denied, I am asking ID with CC from now on for late night seating.
i wonder if some has a standalone gadget to per-check these card.
thx again for all the great suggestions.
i wonder if some has a standalone gadget to per-check these card.
thx again for all the great suggestions.
If you're going to have a standalone, why bother to do both stand alone for chip cards and integrated for non chip?
I think checking IDs is good but if people are claiming fraud just because they don't see the readers, how good is checking IDs?
I think checking IDs is good but if people are claiming fraud just because they don't see the readers, how good is checking IDs?
POSGuy, I agree with you, if you are using stand alone why bother with terminal swiping. In a small 3 or 4 term restaurant that would make sense. But if you have 8 to 15 terminals, that would be a pain in the rear for staff to run around and cost prohibitive to put at each station. Using only when needed saves time, faster table times = more money. Also having to reconcile 8 to 15 machines each night is a massive headache for a manager or bookkeeper. The Ingenico can be set to autosettle/auto batch as well.
AlohaRoss
3rd Party support
AlohaRoss
3rd Party support
MenulinkMan
Technical User
Has anyone here used the RAIL device from Tablesafe? I was given a demo of it recently, but am curious about real world use.
MenulinkMan
Technical User
Got it. They are a few minutes away from me. I'll have to go check this thing out. I got a demo of the system not too long ago, and they were one of the first mentioned for this area.
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1
- #15
MenulinkMan
Technical User
I think RAIL 2 is, but don't hold me to that. All I can speak to is that it has a Chip n Pin reader built in.
ON a different note, they claim that the device will disable itself completely when it is XX feet away from the restaurant. When I dug into the details with the sales guy, it turns out the device does not know how far away it is, but instead times how long it has been disconnected from the AP. When questioned about what happens during an extended power outage, there was no answer other than " we are trying to figure out how to handle that ". They claim that once it is disabled, it internally destroys itself and would have to be sent back to the manu to get replaced.
ON a different note, they claim that the device will disable itself completely when it is XX feet away from the restaurant. When I dug into the details with the sales guy, it turns out the device does not know how far away it is, but instead times how long it has been disconnected from the AP. When questioned about what happens during an extended power outage, there was no answer other than " we are trying to figure out how to handle that ". They claim that once it is disabled, it internally destroys itself and would have to be sent back to the manu to get replaced.
You are right that only the RAIL 2 devices, from what we were told, will be supporting EMV. Like most people right now they are touting it as EMV capable. Note that they aren't saying EMV ENABLED, meaning that, last time I looked at least while at the trade show, you couldn't actually turn EMV on with it yet.
MenulinkMan
Technical User
Just found my notes - the RAIL 2 is awaiting EMV certification.
That's what I thought. Also, any ideas which POS systems TableSafe is integrated with yet?
Another possibility if you want to reduce the need for EMV would be to use OpenTable, MyCheck or another integration that does ApplePay and GooglePay. Especially a good idea if they are device free like OT is. Let the customer pay on their smart phone.
Another possibility if you want to reduce the need for EMV would be to use OpenTable, MyCheck or another integration that does ApplePay and GooglePay. Especially a good idea if they are device free like OT is. Let the customer pay on their smart phone.
- Thread starter
- #19
MenulinkMan
Technical User
I believe Aloha, Micros, and Dinerware are who they currently work with. Although I cannot speak for the RAIL 1 device, but the RAIL 2, along with EMV, will have contactless payment integration, can also be used with Paypal, bitcoin, and possibly a few others.
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