UCP-Inc

Unattended Card Payments Inc. (UCP Inc.) is dedicated to providing EMV compliant Hardware and Payment Gateway solutions for Unattended card payment terminals in the North American market.

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Subscribe to this list via RSS Blog posts tagged in chip and pin
01
Sep
0

What Is EMV Quick Chip?

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b2ap3_thumbnail_Quick-Chip-image.jpg

What Is Quick Chip?

In the US, the switch over to EMV chip technology has been sluggish. The main complaint from customers and merchants alike is that chip card transactions are too slow. The average transaction with a chip card has always been several seconds longer than the 2 seconds it takes to perform a mag stripe transaction, which can seem like an eternity for a customer in line or for a cashier with a long line of people. This slower card transaction is mostly because the EMV standardization was pushed along by the card issuers (Visa, Mastercard, etc.) whose primary objective was security, not taking into account how transaction speed would affect businesses. Quick chip technology was developed to help merchants ease customer frustration and improve customer experience during check out.

Quick chip is nothing more than a software update and it is free of charge to payment processors, acquiring banks, and other payment service providers.It only requires a simple software update on the merchant’s terminal or POS system, so merchants who are already EMV compliant can upgrade in no time.

How does the quick chip technology work? When using a terminal that has the quick chip update, the customer will insert their chip card for a couple seconds and the POS system will retain the chip data for use when it requests an authorization. Since the chip data is being read and held in the terminal prior to the authorization request’s transmission for processing, the user can remove the card before the transaction is complete. When the final sale amount is known the terminal will build the authorization request and quickly finalize the sale. Quick chip technology is facilitating a quicker adoption of EMV technology by both merchants and consumers.

 

Below are links to each of the card issuers websites where you can learn more about the quick chip implementation process.

 

·         American Express Quick Chip

·         Discover Quick Chip

·         MasterCard M/Chip Fast

·         Visa Quick Chip

 

If you have questions or would like to learn more about your options in accepting EMV payments just call us at 702-802—3504 or email This email address is being protected from spambots. You need JavaScript enabled to view it.

 

Unattended Card Payments Inc.

6655 S. Tenaya Way #180

 

Las Vegas, NV 89113

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16
May
0

Could electric car charging be the next big thing for unattended EMV?

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            You might have noticed car charging stations recently in many garages or parking lots that you have been in. Electric cars are becoming more affordable, and providing a longer range between charges. The global EV charger market is expected to grow to more than 12.7 million units by 2020 according to the IHS. Auto manufacturers are constantly making new advancements. Porsche is working on technology now that will enable you to charge a vehicle up to 240 miles in just 15 minutes. This is a rapidly growing industry, and the charging stations are using EMV technology to collect payments. Interactive kiosks will play a large role in this new industry doing everything from collecting payments to displaying a business advertisement on the screen. ABB the world’s leading manufacturer of auto charging stations has implemented EMV technology into their charging stations already.

            EMV smart chip technologies insure that the user’s financial data is more secure. The NFC (Near Field Communication) gives users extra security through their smart phone payment platform such as Apple Pay or Android Pay. A large portion of EV drivers are very into technology and this makes the experience more convenient for them. The OTI Trio is a perfect set up for this growing industry. The Trio has a small compact size and is a 3-IN-1 device that allows you to use the EMV chip, Mag stripe, and also NFC contactless payment methods. The Trio is also very durable and can be used indoors and outdoors. Unattended EMV technology has already become common place in retail, and restaurant settings but one of the next major industries to use this technology will be the EV charging stations!

 

For more information on the choices available to you please contact us!

 Unattended Card Payments Inc.

 This email address is being protected from spambots. You need JavaScript enabled to view it.">This email address is being protected from spambots. You need JavaScript enabled to view it.

 Tel: (702) 802-3504

 

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09
May
0

The Impact EMV Has On Kiosk Owners

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   b2ap3_thumbnail_dbr__EMV_Shift.jpg

The Impact EMV Has On Kiosk Owners

As a kiosk owner you may be wondering what the impact of EMV will have on your kiosk business. To answer this we need to analyze what being EMV enabled means, and what will happen if you’re not upgraded. EMV (Europay Mastercard and Visa) is a global payment standard created by the major credit card brands. EMV uses the embedded microprocessor chip on your new credit card. This chip is replacing the old magnetic stripe as the means to convey your account information to a terminal. The mag-stripe cards are less secure, and the information on the mag-stripe can be easily retrieved and replicated. This leaves cardholders at risk for their account information being used to create cloned fraudulent cards.

EMV is technically a choice for merchants.  With that being said, a merchant who has not implemented this technology will be liable for fraudulent mag-stripe transactions performed at their kiosks. The liability deadline was October 2015, but most experts don’t expect the majority of merchants to be upgraded for another 3-4 years. Last summer merchants handling low value transaction (under $25.00) were given a grace period for liability. This includes many kiosks and vending machines. When this grace period ends you need to make the upgrade to EMV. Card issuers will hold you liable for fraudulent credit card charges if your payment equipment is not EMV compliant.

 

Many businesses have experienced challenges while trying to implement EMV technology, and because of this credit card issuing companies have given businesses more time to comply. The credit card companies want to support merchants, and help reduce credit card fraud. Kiosk operators have been slower to comply with this than larger companies. Seventy-six percent of the 200 largest merchants are now able to accept cards with EMV chips. Don’t feel overwhelmed as a kiosk owner. Payment equipment manufacturers have created many EMV compliant devices, and there are many pre-certified software solutions available to integrate these devices to your kiosk’s application. The easiest way for businesses to begin the compliance process is to find a technology partner that they can trust.

 

For more information on the choices available to you please contact us!

Unattended Card Payments Inc.

This email address is being protected from spambots. You need JavaScript enabled to view it.

Tel: (702) 802-3504

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18
May
0

Why You Need To Talk To SMB Merchants About EMV

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With just four months left until the October 1 liability shift, it’s imperative to help your clients make informed decisions about EMV technology now.

To give VARs some perspective on SMBs’ progress in the transition to EMV-enabled payment technology before the Oct. 1, 2015, liability shift date, BSMinfo.com reported the results of the survey, SMB Preparedness for the Transition to Chip-Based Credit Cards, by Software Advice, a research and reviews website for IT security software. The survey revealed that as of late last year, only 11 percent of SMB merchants had terminals capable of accepting EMV payments made with integrated circuit or “chip” cards to authenticate transactions. The report also included the reasons SMBs hadn’t yet installed EMV terminals: 30 percent said they are unnecessary, 17 percent said they are too expensive, 16 percent said they had no time to research or implement them — and 26 percent said they didn’t know what they are.

At the time the survey was released, there were about 10 months until the October 1 liability shift — when liability for fraudulent payment card transactions shifts to the party with the least EMV-compliant technology. Now, with only a little more than 100 days until that date, your SMB merchant clients might still be in the dark about this impending change.

Business Solutions asked VARs if they’ve seen progress among their SMB clients since the survey — or if 26 percent are still unaware of EMV.

“It’s worse. It’s more like 80 percent here,” says Bob Medina, the owner of Aztec Eagle Systems, a Lawton, OK, VAR. To help change that, Medina provides his SMB clients and prospects with informational handouts and lists of online resources related to EMV. He explains, “If they don’t make the transition, they leave themselves open to fraud with noncompliant devices. Merchants do not understand that the onus is on them if they continue to use noncompliant devices.”

Paul Leduc, president of Globe POS Systems, based in Brampton, Ontario, says he executed a similar strategy prior to the liability shift in Canada in 2011. Of all of the information available to merchants, he boiled it down to two basic points: the liability shift and the security aspects of EMV. “I had a two-page synopsis. I carried it with me, and I left it behind. It’s really all the merchant cared about: the liability shift and security.”

When your conversations with SMBs progress from the liability shift and security to purchasing EMV technology, it’s beneficial to continue to educate your clients. Rob Chilcoat, president of North American operations for Unattended Card Payments, a hardware and payment gateway solutions provider, says, “I find the best way to present value is to explain that these sophisticated pieces of hardware have processors and intelligence of their own, unlike the simple mag stripe readers most automated retailers are used to — which typically just do simple keyboard emulation of the data on the magnetic stripe. EMV terminals, using an application hosted locally on the devices along with encryption keys, secure data at the point of interaction, and send it to the gateway/processor through a secure connection, which is why we call them terminals and not just ‘readers.’”

With merchants aiming to provide the best customer experience to stay competitive, you can also explain to SMBs Subscribe to Business Solutions magazinehow EMV technology can contribute to a positive experience by protecting consumers’ payment cards — and their accounts. Chip cards create a unique transaction code — so if data were stolen, a payment attempted with that one-time code would be denied, and the cards can’t be duplicated.

In addition, says Chilcoat, “With a chip card, the issuing bank can send updates to the card through any EMV-capable terminal. So if a potential breach of that card’s account number had occurred elsewhere, the next time the card is put into a terminal, it can have security updates sent to the chip. The card becomes an active part of monitoring the account for suspicious activity.” For example, if a chip card is used repeatedly in a short period of time at a kiosk that doesn’t require online authorization, the chip can tell the terminal not to accept the next transaction without online approval.

For merchants, having EMV-enabled systems protects them from chargebacks for fraudulent card transactions. Your conversation with an SMB merchant could evolve into a math exercise of how many fraudulent transactions they experience now and how that compares to the cost of upgrading their payment systems. That calculation, however, might not be a good predictor of ROI for some merchants who could see an uptick in fraud after October 1 if they don’t install EMV-compliant solutions.

Patty Walters, SVP of EMV corporate strategy for Vantiv and vice chair of the 2015-16 EMV Migration Forum Steering Committee, urges, “If you serve retail, supermarket, fuel, or drugstore merchants, understand that EMV integration is absolutely critical to protect them.” She explains those merchants — selling gift cards, electronics, or jewelry — will be targets of fraud if they do not have EMV-enabled systems after the transition.

Chris Martyniuk, CTO of etixnow, a provider of e-ticketing solutions, based in Edmonton, Alberta, Canada, adds that beyond saving the cost of chargebacks, you should discuss the other ways EMV can protect your merchant clients. “You cannot put a price on the ability to escape being blamed for fraudulent purchases. The returns are immediate. Reputations are fragile — no merchant can afford to be in that position,” he says.

“When the landscape is split between merchants who accept EMV and those who don’t, customers will gravitate toward those that are perceived to be more secure,” Martyniuk comments. He says, for example, now that Canadian consumers are accustomed to EMV transactions at restaurants with wireless tableside terminals, they “are loath to let their Visas out of their hands in American restaurants, when the server takes the card to swipe.”

“Losing sight of your card feels instantly like, ‘It will be stolen. I will be defrauded.’ The same trend will take hold in the U.S., and merchants without EMV upgrades will be left on the side of mistrust,” Martyniuk says.

Walters stresses that however you want to carry out the EMV conversation with your SMB clients and prospects, definitely and with urgency, start it. “There is absolutely a real need for merchants to protect themselves, and time is of the essence.”

She adds you might not only be helping your clients protect their businesses, but you could be protecting your own: “If a merchant’s legacy solutions provider doesn’t provide EMV solutions, they could reach out to someone else — and that could be a risk to your business.”

 

LINK TO ORIGINAL CONTENT: http://www.bsminfo.com/doc/why-you-need-to-talk-to-smb-merchants-about-emv-today-0001?atc~c=771%20s%3D773%20r%3D001%20l%3Da

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10
Jan
0

How Using an EMV Payment Gateway Saves Time and Money

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How Using an EMV Payment Gateway Saves Time and Money

 
If you are like most self-service kiosk providers EMV has been a hot topic around the office for the last year or so. With the coming liability shift in October 2015 kiosk software providers and kiosk owner/operators are sifting through all the information available online to figure out their best approach to EMV migration. 
 
The two options are fairly straight forward, but what the complexity and cost of the the options are less so. This blog post aims at giving you an understanding of the challenges and benefits of both.
 
The direct integration with a processor/acquiring bank approach:
 
Depending on your business model and operating cash this approach may be suitable for you. If you maintain ownership of all the kiosks in you fleet and want them all to share the same merchant account, a direct integration may work for you. However, if you sell or lease your kiosk solution and intend for your client to own the merchant account associated with the kiosk this may not be the best or most marketable solution. Your clients may want the flexibility to choose the processor they work with. Clients may already have a merchant account with a processor and they would like to add the kiosk to it. With a direct integration your clients won’t have that option and will be required to use the processor or processors you have integrated with. 
 
In addition to the restrictive nature of doing a direct integration with only one or two processors, there is also the time and cost associated with building the solution from scratch. You will need to pick one or more hardware terminals and find a suitable software architect. Programmers capable of creating a custom direct integration do not come cheap. The person you hire or contract to do the work will need to be a PCI and EMV expert. Historically this phase one process will take 3+ months, and come with a price tag well into the tens of thousands of dollars. Phase two involves hiring a third party QSA (Qualified Security Accessor) to evaluate the solution and confirm that it meets current PCI-DSS and PA-DSS requirements. Phase two also comes with a hefty price tag.  After the solution is created and evaluated by a QSA, there still remains the phase three task of certifying your new payment application with each payment device you plan to use, with each of the processors individually. Each processor you plan to integrate with will require their own evaluation and certification, and this too comes with a fee well into the thousands. It is reasonable to expect phase three to take at a minimum three months with each processor. As we approach the EMV liability shift in the US, the queues for certification with the various processors are getting longer and longer. Since most of the processors don’t have their own EMV infrastructure finalized, certifications have not yet begun in most cases. In reality, if you aren’t already engaged in the phase one process you are likely a year or more away from your goal of achieving EMV payment processing. 
 
While evaluating this as your best method of achieving EMV payment processing, you should also keep in mind that your integration will need to be reevaluated and certified every three years. So take everything stated above, “rinse and repeat” every 36 months! 
 
The EMV payment gateway approach:
 
There are a number payment gateway products on the market to choose from. CreditCall offers a processor agnostic, PCI pre-certified solution called ChipDNA that easily integrates with your existing Windows or Linux based application. ChipDNA removes the need to hire or contract a costly software architect who is well versed in PCI and EMV requirements. Their ChipDNA product supports a number of both attended and unattended hardware devices. Using ChipDNA can make your migration to EMV as easy as picking a piece of hardware, integrating the ChipDNA API with your application, and setting up a merchant account. You will never need to worry about re-certifying the solution either. CreditCall re-certifies their solution annually, so you don’t have to. ChipDNA's Terminal Maintenance System (TMS) ensures your terminal is always up to date with the latest PCI requirements. 
 
ChipDNA is integrated with the largest payment processors in North America, giving you and your clients the flexibility to choose the processor that is best for you. ChipDNA’s feature, EMV Easy Start, enables you to deploy EMV ready hardware now, and run transactions via the magnetic stripe reader of the terminal until such time that your chosen processor is ready to begin processing EMV transactions. A simple remote update is all it takes to change the terminal’s default from magnetic stripe to chip, a concept referred to as “EMV future-proofing."
 
With ChipDNA also comes WEBMIS, CreditCall's online account reconciliation portal. Through WEBMIS you can view transactions in real time and create groupings of terminals based on your own criteria. WEBMIS also offers Simple Object Access Protocol (SOAP) which will allow you to port transactional information into a backend accounting section of your application. 
 
Consistent with their culture of innovation, CreditCall announced on January 8th, 2015 that they now provide for download a preview version of their SDK called ChipDNA Lite. You can now try it before you buy it. Using this sample SDK you can begin evaluating how easy they can make your EMV migration. Contact us today to learn more! 
 
Rob Chilcoat
“Chip and PIN Kiosk Hardware”
UCP Inc.
(702) 802-3504 Tel
This email address is being protected from spambots. You need JavaScript enabled to view it.
 
Visit us at NRF! Ingenico booth# 1743.
b2ap3_thumbnail_nrf-big-show2015.png

 

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02
Dec
0

EMV on CBS 60 Minutes

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Last night on 60 Minutes there was a segment on credit card fraud in America. The news segment included interviews with some interesting industry professionals. The first interview was with Dave Dewalt, CEO of FireEye. Mr. Dewalt said that 97% of companies experience security breaches. I don’t believe that the security breaches Mr. Dewalt is talking about in this statistic are solely financial in nature. However it does make one stop and think about securing card holder data. Breaches of this variety cary penalties in the millions, and also represents a significant financial burden to card issuing banks as well. Mr. Dewalt also confirms a statement by the interviewer, Bill Whitaker, that the average time between infection and detection of malicious software on company networks is 229 days! FireEye is an interesting cyber security company worth checking out; if even only for the  live Cyber Threat Map on their homepage. (www.fireeye.com

 
Brian Kerbs was also interviewed for the segment. He writes a cyber security blog read by many professionals within the financial arena. (www.kerbsonsecurity.com) A part of what Mr. Kerbs does is search the dark corners of the internet where batches of credit card data called “dumps" are available for purchase. He often is the first one aware of security breaches and has alerted many companies to breaches that had gone undetected. Using these dumps and some fairly accessible card stock, and printing/encoding hardware, a person with some intermediate computer skills would have all they need to start swiping and signing on a victim's account.
 
Another interesting contributor to the segment was Mallory Duncan, Sr. VP and General Council, at the National Retail Federation. (www.nrf.com) His comments went right to the heart of the problem for retail merchants and issuing banks. He can be quoted as saying that our current magnetic stripe cards are the “underlying problem,” and that they are “fundamentally fraud prone.” The light at the end of the tunnel for banks and merchants is the EMV chip card. Finally, because of newer cryptography methods, and the inclusion of a more secure card holder verification method; it will be nearly impossible for cyber thieves to breach networks and steal usable data to the extent they are now. The biggest benefit to the bank that issued the card is that updates can be sent to the chip on the card every time it is inserted into a terminal. The ability to update user’s cards in this fashion does away with the financial and logistical hardship of having to send out new magnetic stripe cards every time a possible breach occurs. 
 
We have seen what implementing EMV in other regions of the world has done to fight fraud. This time next year it will be interesting to see how the number of fraudulent transactions and breaches involving stolen credit card data stacks up against 2014’s numbers. 
 
The entire 60 Minutes segment and transcript can be viewed here.
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12
Nov
0

UCP Inc. interviewed for recent article on Retail Customer Experience

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UCP Inc. was recently interviewed for an article on the importance of being EMV ready in 2015. You can read the full article here:

Six Tips for becoming EMV Compliant

 

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31
Oct
0

UCP will be at CETW 2014 in New York

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Unattended Card Payments Inc. will be attending CETW next week in New York. If you will be attending and would like to learn more about EMV in North America shoot us an email at This email address is being protected from spambots. You need JavaScript enabled to view it. or call 702-802-3504 to set up a meeting.UCP Logo

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17
Oct
0

EMV readiness in Transportation

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This week we had the opportunity to attend the nations largest transportation show, APTA. This show happens only once every three years so just about everyone shows up. Bus and train manufacturers, toll and fare collection solution providers, transit tracking, and mobile computers are just a few of the products featured at the APTA show this year. All over the show floor I found numerous examples of manufacturers offering EMV ready solutions. Since UCP specializes in EMV for the US market we were happy to see that a lot of the self-service solutions being shown were already equipped with EMV compliant hardware. 

 

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Our Partners


Hemisphere West Europe Ltd are specialists in attended and unattended payment solutions for the UK and European markets.

Visit website www.hweurope.com

Contact Us

6655 South Tenaya Way Suite #180
    Las Vegas, Nevada 89113

Tel: 702 – 802 – 3504

E-mail: Send Inquiry

Sales Inquiries: Rob Chilcoat

Tel Office: 702 – 802 – 3504
    Cell: 619-964-3596