ACCEPT THE WAYS YOUR CUSTOMER PAYS.

TAP AND GO.

Move customers through the transaction faster by accepting NFC. Customers simply hold their device near the reader to initiate payment. Upon terminal verification, the process is complete.

DIP IT.

EVM, known as 'chip cards' are the new standard in payment cards. Chip cards are inserted into the reader, then left in place for the duration of the sale.

APPLE PAY

Paying in store or online has never been easier. Gone are the days searching through a physical wallet. To many wasted moments finding the right card. Now payments happen with a single touch.  Allowing your customers to focus on your product.

Apple Pay will change how customers make purchases with breakthrough contactless payment technology and unique security features built right into the devices you have with you every day. Customers can use an iPhone or Apple Watch to pay in a simple, secure, and undistracted way.

THE MAJOR CREDIT CARDS.

Apple Pay works with most of the major credit and debit cards from the top U.S. banks. Consumers are adopting Apple Pay faster than any other NFC technology. Customers will continue to get all the same rewards and benefits with improved security.

EVERYTHING YOU NEED TO KNOW ABOUT CHIP CARDS.

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U.S. banks are switching up the insides of your customers’ credit cards. They’re adding something called EMV technology, which stands for “Europay, MasterCard, and Visa.” Debit and credit cards will be equipped with a small computer chip that’s extremely hard to counterfeit. If you’ve gotten a card recently, chances are it has this technology.

THE NATIONWIDE SWITCH TO CHIP CARDS.

What’s up with this 'liability shift' everyone is talking about?

Starting on October 1st 2015, should a customer pay with an EMV chip card and you are not able to process "the chip" but swipe the card instead, your business is automatically liable for any chargebacks or fraud that may arise from that particular transaction. For example, a fraudster buys $14 worth of coffee for himself and a friend and you swipe his chip card instead of processing the chip, he could call his credit card issuer, claim he was not at your location and the $14 would be removed from your account...No questions asked!

 

THE UNITED STATES OF AMERICA IS THE LAST MAJOR MARKET WHERE BUSINESSES PRIMARILY USE MAGNETIC-STRIPE CARDS.

  • U.S. makes only 24% of all credit card sales and is responsible for nearly 50% of fraud worldwide.
  • U.S. has had the most card fraud in the world for the last 5 years in a row.
  • U.S. card fraud losses soared over $5 billion, up 14.5% in the last year.
  • Magnetic stripe cards have 'static data' and can be easily cloned.
  • Chip cards use a new encryption for every sale, making sales more secure.

EMV 'CHIP CARD' FAQ

What will switching my business to EMV cost me?

Here's where First Nationwide Payments steps in. We provide EMV compliant terminals that are surprisingly affordable and simple to setup. We strongly  suggest the Clover Family Point Of Sale devices which, out of the box, easily support EMV.

Do you swipe chip cards the same way as magnetic stripe cards?

It's a completely new operation.  Don't fret its very simple.  Insert the card into the payment device's slot for the entire transaction.  Once the transaction is complete take the card out.  Here is the breakdown:.

  1. Insert the card into the slot, usually the bottom of the terminal. The card should be facing up and inserted chip-first.
  2. At this point, it’s important to remember to keep the card inserted until the transaction is complete.
  3. The terminal will recognize the card, and the transaction will continue.
    • If the CVM is Chip-and-PIN, the customer will input his or her PIN before pressing enter.
    • If the CVM is Chip-and-Signature, then there will be no prompt.
    • If there is no CVM, there will also be no prompt.
  4. Following any required customer input, the transaction will be processed.
  5. Upon completion, a receipt will print, which may or may not require a signature, depending on your terminal.
  6. Your customer is now free to remove the card.

Is this new cutting edge technology?

No. Almost all of the world, including Europe and Asia have been using chip cards for years now.

Will People Still Be Able to Swipe Their Cards?

Yes. Initial EMV cards will still be equipped with magnetic stripes so that they can be used at locations that haven’t yet migrated to EMV.

Which Type Will Be Used in the United States?

Initially, the vast majority of EMV transactions in the U.S. will be verified using Chip-and-Signature. This is because many issuers have decided not to offer EMV credit cards with PINs due to concerns about adjusting consumer behavior too abruptly. Most PIN-verified transactions are likely to come from international customers, at least initially. So if you operate your business in a tourist-heavy area, be mindful that your equipment should accept Chip-and-PIN transactions.

FIRST NATIONWIDE PAYMENTS RELIES ON TRANSARMOR®.

Protect your success with TransArmor® Solution helps defend your system from hackers, protects your customers’ sensitive information and reduces liability in the event of a breach. This dynamic protection safeguards your business and reputation, making sure your hard work pays off.

TRANSARMOR® KEY FEATURES.

Data Protection

The latest technology that helps protect cardholder information from the moment a card is swiped in a merchant’s payment system.*

POS Hardware Monitor

A solution that helps monitor terminals and provides alerts to possible tampering.

PCI Rapid Comply®

A simple online questionnaire that helps make payments compliance faster and easier.

Security Score

An at-a-glance benchmark for data security and risk reduction.

POS Software Monitor

A software bundle that monitors and helps protect your point-of-sale system.

Support Experts

An additional level of client service expertise to help resolve any questions you have about the solution.

Liability Waiver

A waiver for up to $100,000 for card association costs in the event of a data breach.

EMV™ Enablement

Hardware that provides EMV chip card payment acceptance to prevent fraudulent card use as part of your overall security protection.*