Upgrading to EMV? It’s Later Than You Think

The following article has been reproduced from the CStore Decisions article, Upgrading to EMV? It’s Later Than You Think, written by  that appeared online on

EMV Technologies

Panel experts warn that now is the time to start the long process of upgrading your pumps to EMV standards.

 

The EMV liability shift as it has come to be known as will take place on October 1, 2020. This deadline is when fuel retailers will have to install or upgrade their locations with the more secure chip card reader technology that uses cryptography to keep credit card information safe and prevent fraud.

 

This deadline will create a major liability shift from the card-issuing banks to pushing nearly all credit card fraud to retailers who do not upgrade their pumps to the new, more secure technology.

EMVCo
And for those not familiar with EMV, it’s an actual company, EMVCo. that stands for Europay, MasterCard and Visa. It was formed by those credit card issuing banks; American Express, Discover, JCB, Mastercard, UnionPay and Visa to address fraud prevention within the industry with the result being the chip card that most consumers have already been using inside the c-store and other retail environments.

And while the deadline has been extended once already, for those retailers undecided about whether to upgrade or not, it looms just over a year away!

Session panelist and Folk Oil Vice President Jim Linton warned those reluctant retailers it’s later than they think, warning that lead times for upgrading current dispensers could take as much as six months! Linton should know as Folk Oil has updated 100% of its pumps at all 35 of its multi-branded locations. He’s seen many of the things that can go wrong and delay the process.

Linda Toth, director of standards for non-profit c-store and petroleum market technology advocate Conexxus, said a study by her group found that 58% of retailers who have yet to upgrade believe they won’t make the liability shift deadline. And 25% said they have no idea when they’ll upgrade.

If you haven’t upgraded yet, your biggest question is: Is it worth it to upgrade?  We at the Kennedy Company agree with this panel’s findings; yes, it most certainly is! If you have the “wait and see” attitude, you will find it will be much tougher to get the necessary equipment and skilled technicians to perform the needed upgrades as we get closer to the deadline and AFTER the deadline, YOU – THE RETAILER will be responsible for pretty much all the fraud payback!

Also, the longer retailers wait, the more difficult and costly it will get to upgrade and if your reluctance to upgrade causes you to miss the deadline altogether, there is a very strong likelihood fraud payback charges will be far more costly than the upgrade itself!

 

If you haven’t upgraded your location(s) to EMV yet, looking to stay ahead in the game and would like to upgrade today, contact us at 1.800.451.4021.

 

 

The John W. Kennedy Company appreciates your business and continued support!

 

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Chip Card Storm Brews

Jeremie Myhren - chief information officer for Road Ranger in Rockford, Ill.The following article, written by Jeremie Myhren appeared May 9, 2019 on Convenience Store Decisions  has been reproduced. Jeremie has been managing IT in the convenience retail industry since 2000. He is the chief information officer for Road Ranger in Rockford, Ill.
Read Jeremie’s original article here.

 

As the October 2020 EMV liability shift at the pump draws near, the cost of not taking action grows clear.

No other industry has as many unattended outdoor payment terminals as we do in the convenience store and petroleum industry in the U.S. There isn’t even a close second.

This becomes increasingly relevant to the data security conversation as the payments technology and security landscape continues to evolve. Outdoor payment terminals are steadily increasing in value as a tool used by the criminal underworld.

The October 2015 inside Europay, Mastercard and Visa (EMV) liability shift in the U.S. moved a material percentage of retail payment card transactions from traditional magnetic stripe swipe to inserted, chip-card read. While attackers moved to exploit chip where they could, through techniques like swipe fallback, the retail shift to chip added cost, complexity and reduced feasibility for the criminal hacking groups and gangs who perpetrate most of the large-scale payment-card breaches.

That’s not to imply that inside EMV solves the payment card data security problem. In most cases, payment terminals are just as susceptible to a costly compromise as before EMV. Typical breach methods like memory scraping point-of-sale (POS) malware remain a threat, and the data captured in such an attack remains valuable, even from a chipped card. Really, the biggest shift in the EMVmove to inside chip is that your outlet becomes less attractive for criminal syndicates to perpetrate the final step of the payment-card data-breach fraud — actually spending the money or using the compromised account to buy goods or services to then sell or trade for cash.

That said, today, few of us have fully-operational EMV-capable payment-card terminals at the pump. Many of us have some sites and lanes with chip-capable hardware, but few retailers and payment networks are conducting an actual chip-card read at the fuel island.

The EMV liability shift at the fuel island currently stands at October 2020 and is unlikely to be extended further. Until the liability shift actually takes effect, so long as we follow current acceptance rules (things like not authorizing over allowed limits), we’re largely protected from stolen account numbers being used for purchases at our outdoor payment terminals.

This conceals the reality that our c-store sites are seeing higher incidences of stolen or breached payment cards being used for fuel purchases. Thieves are finding more obstacles at their traditional outlets, which have fully converted to chip-card acceptance, so the non-EMV-accepting fuel dispensers have increased in value to them. Because the issuing banks behind the stolen cards being used are bearing the cost of most of this fraud, we are often blind to it — even as it rises steadily.

This sets us up for a troublesome late 2020. Those who do not make the necessary investments in chip-accepting hardware at the fuel island, as well as those who have, but whose POS and payment processing partners have not, will find a shock in November 2020 as they bear the full burden of payment-card fraud at the fuel island for the first time.

What’s A Retailer To Do?

  • If you are branded, ask your fuel brand what your options are and what the current state of their technology programs are when it comes to EMV at the pump.
  • Talk to your POS software and hardware providers to determine dispenser EMV options and when they will be ready.
  • Talk to your dispenser partners about your specific dispensers and what your specific options are.
  • Talk to your payment-card processors about your specific technology mix and when they will be ready for your specific setup.
  • Talk to Visa, Mastercard, American Express and Discover. If you do not have an assigned representative from each payment brand, ask your payment-card processor to put you in touch.
  • Ask each payment brand to share the burden of Automated Fuel Dispenser (AFD) fraud at your sites for the past year. Normally, you do not see this data, as you didn’t bear the burden of it, but they have it and are generally able to provide it.
  • Use all of the above to apply pressure where needed to get various stakeholders to get you ready in time. Also use it to build your business case and ROI needed to fund the necessary investments to be prepared.

 

Do you have further questions about EMV capable and compatible equipment for your customer’s forecourt and in-store transactions?  Give us a call at 1.800.451.4021!

 

The John W. Kennedy Company appreciates your business and continued support!

 

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REVISED!! MassDEP fact sheet – Frequently Asked Questions: Stage I Enhanced Vapor Recovery (EVR) Systems.

MassDEP

From the desk of: Jeff Gifford, MassDEP, Bureau of Air & Waste, Stage I Vapor Recovery Program, 1 Winter St., 7th floor, Boston, MA 02108, Phone: 617-556-1144

Attention: Stage I Facility Owners & Operators:

The MassDEP Stage I Fact Sheet, Frequently Asked Questions: Stage I Enhanced Vapor Recovery (EVR) Systems has been revised and is now posted on the MassDEP Stage I Program website at the following link: https://www.mass.gov/guides/massdep-stage-i-ii-vapor-recovery-program

The revised fact sheet is located near the top of the website under the “News & Updates” and “Additional Resources” section.

A number of the questions / answers on the fact sheet were revised.

 

 

Please note: For Question 5, “What is the deadline to upgrade my Stage I Pre-EVR system to a Stage I EVR System?”, the answer to this question has been revised as follows:

 

5. What is the deadline to upgrade my Stage I Pre-EVR system to a Stage I EVR system?

GDFs that are exempt from installing Stage I EVR until the tanks are replaced
GDFs with existing gasoline tanks with “coaxial” Stage I systems are not required to upgrade to a Stage I EVR system until the existing gasoline tanks are removed and replaced with new gasoline tanks.

GDFs that must install Stage I EVR at installation
GDFs that install new gasoline tanks or a new Stage I system after January 2, 2015 must install a Stage I EVR system.

GDFs that must upgrade to Stage I EVR by January 2, 2022
GDFs with existing gasoline tanks with “dual-point” Stage I, and pre-EVR “screw-on” spill and vapor buckets,must install a Stage I EVR system by January 2, 2022.

GDFs that are not required to upgrade to Stage I EVR until after January 2, 2022
GDFs with existing gasoline tanks with “dual-point” Stage I, and Pre-EVR “slip-on” spill and vapor buckets, are not required to upgrade to a Stage I EVR system until the “Slip-on” spill or vapor buckets must be repaired or replaced, at which time StageI EVR spill and vapor buckets must be installed.

 

If you have any questions regarding the revised Stage I EVR fact sheet or the Stage I Vapor Recovery program please contact Jeff Gifford at jeffrey.gifford@mass.gov.

 

The John W. Kennedy Company appreciates your business and continued support!

 

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Latest “Let’s Be Frank” Podcasts from Franklin Fueling

Let's Be Frank with Kali Kinziger

Here are the latest episodes from Franklin Fueling’s Let’s Be Frank podcasts
hosted by Kali Kinziger.

 

 

Let’s Be Frank podcasts are perfect to introduce newbies to the petroleum equipment industry; from the latest products, new technology, install and maintenance tips and tricks to brushing up on the latest industry trends.

 

 

 

Here are 4 more episodes from Kali and Let’s Be Frank:

 

FFS PRO with Loren SwalheimWith over a decade of experience on jobsites all over the world, Loren Swalheim (Director, Technical Services) has pretty much seen it all. In this episode, we explore the FFS PRO® suite of services that are powered by Franklin Fueling Systems’ technical expertise and break down how distributors and installers can utilize the tools to make their jobs easier.


UL 2447 with Anna OgurekWhat is UL 2447? How does it affect your business? Anna Ogurek and I talk about what this UL certification means, the products it effects, and how Franklin Fueling Systems provides the widest offering of UL 2447 listed products in the industry.


Carbon Series with Anna OgurekThis week I sit down with Anna Ogurek to talk about our new Carbon Series(TM) single and double wall fiberglass dispenser sumps. Hear how the new manufacturing techniques and interstitial monitoring options are making them the most versatile dispenser sumps in the industry.

NOTE:  The Carbon Series Dispenser Sumps will be featured in the Franklin Fueling booth at the John W. Kennedy Company’s Forging Relationships Trade Show on March 27th & 28th.

You can also find Franklin’s Carbon Series dispenser sumps and accessories on the Kennedy eCommerce website here.


Regulation Navigation with Gary SaltzThis week’s theme is Regulation Navigation! The Underground Storage Tank Federal regulations by the EPA went into effect on October 13th, 2018. Are you complying? Gary Saltz and I navigate through these regulations to help you understand what your options are and how to stay in compliance.

 

 

 

The John W. Kennedy Company appreciates your business and continued support!
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5 Reasons Fuel-Site Water Intrusion Is Increasing

It is a pretty well known fact that most of the Earth’s surface is covered by water so to say it permeates our existence is an understatement.

While this liquid is essential to our existence, it also wreaks havoc on many man-made systems it comes in contact with and in our world of petroleum, it would be classified as a super villain!

And while our industry has been reacting to the havoc water causes for more than a century to develop better ways to keep it out of refueling systems, water intrusion has INCREASED in refueling systems!

Ed KammererThe following is an excerpt, written by Ed Kammerer that appeared in the September, 2018 edition of the Fuel Market News.  Ed is the Director of Global Product Management for OPW, based in Cincinnati, OH, USA. He can be reached at ed.kammerer@opwglobal.com. OPW is leading the way in fueling solutions and innovations worldwide. OPW delivers product excellence and the most comprehensive line of fueling equipment and services to retail and commercial fueling operations around the globe. For more information on OPW, please go to OPWGlobal.com.

Below are some of the highlights pulled from Ed’s article.

OPW War on Water Intrusion

Why the increase??

Here are some explanations:

  • Changes In Fuel Chemistry
  • Changes In The Fuel Distribution Infrastructure
  • Installation Procedures

OPW is Waging War on Water Intrusion

By offering:

  • Composite Multiports with Watertight Lids and Covers
  • Composite Manhole Covers
  • Sealable Cover Spill Containers
  • No-Drill Dispenser Loop Sumps
  • No-Drill Tank Sumps

You can read Ed’s full article by clicking here.

 

JWK Shop By ImageIn our ongoing efforts to simplify finding and buying retail petroleum refueling equipment and replacement parts, nothing quite does it like image driven content to help guide your selections. If you are on a desktop or laptop, use your mouse to scroll around the image below to discover the links to many of OPW’s watertight and other line of products found in our online store.
JWK Blog Editor’s Note: OPW is constantly adding products to their line and we are always adding and removing products from our web store.  While the below image is tied to hundreds of OPW products in our webstore, we are still linking products to the various categories represented in the below graphic and have not linked any OPW Fuel Management Products as of this writing. Product offerings linked to this grpahic will continue to expand over time. Thank you.

If you have any further questions about water intrusion, OPW ‘s line of watertight products or would like to place an order, do not hesitate to contact us at 1.800.451.4021.

The John W. Kennedy Company appreciates your business and continued support!

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Responding to a Leak in an Underground Storage Tank

In our previous blogs, we discussed in detail how to prevent and detect UST leaks at gas stations and other UST facilities.

But what should you do if a leak happens?

What immediate actions should you take? Who should you contact? How should you proceed to managing and controlling the leak? Continue reading

OPW New England UST EVR Certification Class – Official Invitation ( December 12, 2018 )

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OPW UST EVR Training Certification

OPW invites you to attend their UST EVR Training Certification class.

Description: The OPW EVR live certification course provides attendees a hand’s on opportunity to install and service all of the OPW UST EVR Phase One System Components listed on the California Air Resources Board (CARB) Executive Order. Attendees will use the tools provided in class while performing basic installation and routine maintenance of phase one components. There is no experience necessary and the class is free. There will be an open book test at the conclusion of the class and with a passing grade you will receive a 2 year certification.

When: Wednesday, December 12, 2018

Where: Hilton Garden Inn  – 800 Hall of Fame Ave. – Springfield, MA 01105

 

IMPORTANT:  Please contact us at 1.800.451.4021 or email us here ASAP to reserve a spot with the attendee name, company name & email address. Please note: all (3) bits of information are needed in order to officially register the attendee for the training class.

Enrollment will be on a first come first serve basis. If registration is low there is a possibility that training sessions may be cancelled.

 

The John W. Kennedy Company appreciates your business and continued support!

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3 Things Every Retailer Needs to Know about the 2018 EPA Regulations

Our friends at OPW would just like to kindly remind everyone that the EPA’s new Environmental Testing Regulations go into full effect on October 13, 2018, and OPW has a full line of products that are compatible with the 4 major regulatory requirements for new and existing Underground Storage Tank (UST) systems.

Watch the video below and learn more at opwglobal.com/epa-regulations!

 

Check out our blog post from August 2018, Are You Ready?? The Cost of Non-Compliance: You Can’t Afford It, containing OPW’s infographic that covers the history of UST Regulations.

You can find many of OPW’s great products in our web store and if you don’t find what you are looking for there or have any questions, feel free to contact us at 1.800.238.1225. 

Click on the logos below to explore OPW products online:

Fiberlite

 

 

 

 

OPW Retail Fueling Components

 

 

 

OPW Fuel Management Systems
 

 

 

 

 

The John W. Kennedy Company appreciates your business and continued support!

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Are You Ready?? The Cost of Non-Compliance: You Can’t Afford It

Are You Ready??

October 13 is a significant date for retail-fueling operators across the U.S. That’s when latest EPA regulations go into full effect regarding the testing and maintenance of UST equipment and systems. And if you’re not compliant, the penalties can be fierce.  Click on the above image to view the “Are You Ready?” video.  You will have to provide your name to view the video.

Check out OPW’s exclusive infographic for reality check on the “Cost of Non-Compliance” below.

Please feel free to contact us at 1.800.451.4021 with any questions about the October 13, 2018 EPA regulations, whether you are in compliance and how OPW products and the John W. Kennedy Company can ensure that you are!

The John W. Kennedy Company appreciates your business and continued support!

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What you need to know to be EPA compliant by the Oct. 13, 2018 Deadline

OPW - EPA CompliantOPW’s Guide To 2018 EPA Regulations

Get compliant and avoid fierce penalties!

OPW has put together a quick reference guide for everything you need to know to be compliant with the new EPA testing requirements.

Download OPW’s EPA Regulations guide to gain access to information from brochures, videos and articles to help you prepare for the October 13, 2018 compliance deadline.  Please be sure to indicate the specific OPW EPA-Compliant testable products for which you would like to receive additional information.

7 Ways Your Underground Fueling System can Save You MoneyAside from getting some background on why the new regulation exists, who and what it affects, specifics about testing and what happens for non-compliance, it also includes 7 Ways Your Underground Fueling System Can Save You Money.

So download your copy of OPW’s EPA Regulations guide today!

Please feel free to contact us at 1.800.451.4021 with any questions about compliance, OPW’s guide or to order OPW products!

The John W. Kennedy Company appreciates your business and continued support!

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