Gilbarco Veeder-Root: What’s In A Name? Choose Gilbarco, The Industry Standard!

Dependability

Fueling and convenience store equipment and technology manufacturing is our ONLY business, and has been for 155 years. We’ll always be here when you need us – today, tomorrow, and years to come.

Largest Install Base

With more than 720,000 fueling positions, we have the largest installed base of UL certified and approved fueling points in North America.

Integrated Ecosystems

Whatever Point-of-Sale system you have, Gilbarco has a solution that will seamlessly integrate with it—no need for expensive modifications.

Future Proof

The Encore 700 S dispenser and FlexPay IV payment platform– better together, and the better investment for your business.

Outdoor EMV Solution

Why risk your EMV compliance to anyone but the biggest and the best?

Gilbarco Veeder-Root ENCORE 700 Fuel Dispenser

1. Proven Design

Gilbarco’s field-proven Encore® 700 S series comes with a familiar ATM-style customer interface, a full range of alternative fuel options, and the industry’s most comprehensive warranty.

2. Enhanced Upgradable Security

You’ll benefit from Gilbarco’s global EMV® leadership and experience, including the largest install base of EMV® fueling pay points in North America.

3. Superior Merchandising Improves Profits

Encore® 700 S gives you field-proven tools to inform, persuade, and motivate your fuel customers to come inside your store and buy higher-margin goods.

4. Platform for Continued Growth

Encore® 700 S provides a strong foundation for growth with powerful, future-ready electronics to support your innovation needs, such as mobile payments, loyalty, merchandising and other applications.

Trust the numbers

155+

Years of Operation

720K +

Gilbarco Fueling Positions

350K +

EMV-capable CRINDS

3K +

Certified Service Contractors

Looking for Gilbarco equipment? Click on the links below to visit our web store :

Pumps & Dispensers
Passport Point of Sale
Gilbarco Passport Point of Sale
Forecourt Payment Options
Gilbarco Forecourt Payment Options
Forecourt Merchandising
Gilbarco Forecourt Merchandising Options

Click here to search all Gilbarco equipment and parts listed in our web store.

 

Please do not hesitate to contact us with any of your EMV questions, concerns or to place an order by calling 1.800.451.4021 or visit us online at johnwkennedyco.com for all your petroleum equipment needs.

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

 

JWK USA Logo

Report: ‘Tens of Thousands of Dollars’ in Monthly Losses Expected for Retailers without Outdoor EMV

Gilbarco Veeder-Root

The following is a re-post of the original article by Gilbarco Veeder-Root that can be read here.
Skipping on EMV? Don’t Say We Didn’t Warn You…

Businesses that go without EMV on their forecourts should expect damaging monthly losses and no site is immune, according to a new fraud report.

Even relatively small gas station operators can now expect ‘tens of thousands of dollars’ in fraud losses monthly for each station once the EMV liability shift goes into effect in April 2021.

We have previously detailed the painful process of getting hit with a chargeback and the criminal system in which fuel thieves operate. These new numbers mirror the harsh reality of waiting to upgrade or skipping it altogether.

Via Digital Transactions:

In an example offered by Mercator, an operator with 12 locations spread evenly among areas deemed be low-, medium-, and high-risk, would face fraud liability totaling $17,315 per store over 12 months, or $207,783 overall. “This could change dramatically depending on the risk position of each station, and it should be noted that Mercator’s calculation takes a decidedly conservative approach,” said Tim Sloane, vice president of payments innovation at Marlborough, Mass.-based Mercator, in a statement.

The new outdoor EMV deadline will be April 17, 2021. If you haven’t begun your outdoor EMV upgrade, we strongly suggest contacting us as soon as possible at 1.800.451.4021.

 

You can find more information with Gilbarco’s Quick EMV Migration Guide and even more resources here.

EMV Resources for C-Stores & Gas Stations

Looking for Gilbarco equipment? Click on the links below to visit our web store :

Pumps & Dispensers
Passport Point of Sale
Gilbarco Passport Point of Sale
Forecourt Payment Options
Gilbarco Forecourt Payment Options
Forecourt Merchandising
Gilbarco Forecourt Merchandising Options

Click here to search all Gilbarco equipment and parts listed in our web store.

 

Please do not hesitate to contact us with any of your EMV questions, concerns or to place an order by calling 1.800.451.4021 or visit us online at johnwkennedyco.com for all your petroleum equipment needs.

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

 

JWK USA Logo

Millions in Federal Funding Now Available for Fuel Dispenser Upgrades!

Gilbarco Veeder-Root

The following is a re-post of the original article by Gilbarco Veeder-Root that can be read here.

Considering getting into higher fuel blends of ethanol like E15 or E85? Make sure you’re taking advantage of the free money from the Higher Blends Infrastructure Incentive Program (HBIIP).One Million Dollar Bill

The U.S. Department of Agriculture is targeting businesses with 10 or fewer sites with the program to encourage more sales and use higher blends of ethanol and biodiesel blends.

E15, E85, and other high blends of ethanol must be stored in specialized compatible equipment. HBIIP funds are being made available to help ease the costs related to upgrading fuel dispensers (gas and diesel pumps) and attached equipment, underground storage tanks, and more.

 

Encore 700 BlenderThe number and size of the HBIIP grants will depend on the successful number of applicants. The agency expects to give out about 150 awards, providing assistance to 1,500 locations.

The number and size of the HBIIP grants will depend on the successful number of applicants. The agency expects to give out about 150 awards, providing assistance to 1,500 locations.

Need help navigating clean fuels?

Here’s an article to help you decide which blends are right for your business.

Applications for HBIIP funds are being accepted now through August 13, 2020 11:59 p.m. ET.

You can find an extensive FAQ from the USDA here.

Click here to learn how to apply.

The new outdoor EMV deadline will be April 17, 2021. If you haven’t begun your outdoor EMV upgrade, we strongly suggest contacting us as soon as possible.

 

 

You can also find more information on EMV with Gilbarco Veeder-Root’s Quick EMV Migration Guide.

 

Looking for Gilbarco equipment? Click on the links below to visit our web store :

Pumps & Dispensers
Passport Point of Sale
Gilbarco Passport Point of Sale
Forecourt Payment Options
Gilbarco Forecourt Payment Options
Forecourt Merchandising
Gilbarco Forecourt Merchandising Options

Click here to search all Gilbarco equipment and parts listed in our web store.

 

Please do not hesitate to contact us with any of your EMV questions, concerns or to place an order by calling 1.800.451.4021 or visit us online at johnwkennedyco.com for all your petroleum equipment needs.

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

 

JWK USA Logo

“Think Beyond the Deadline”: 5 Tips for Retailers Navigating the New EMV Deadline

Gilbarco Veeder-Root

The following is a repost of the original June 16, 2020 article that appears on Gilbarco’s blog.Gilbarco Veeder-Root Encore 700 & Passport Edge

In the wake of the latest EMV deadline delay, the views of industry analysts are lining up.

The latest one echoes Chris Whitley, Gilbarco VP of Sales and Marketing: the pressure is still on.

Beyond tips or advice, retailers might also need consider the following warnings as well. Read the full article from CS News here.

 

Here are some of the pulled highlights:

1. Consider the Costs

“Based on recent reports from retailers, some major card processors are considering charging retainer fees of up to $50,000 to cover expected fraud liability for operators that do not upgrade by the deadline.”

 

2. Don’t Count on Additional Deadline Shifts

“Regardless of the final deadline date, retailers have a lot of progress to make and an inevitably limited timeframe. Proceeding promptly is the best course of action.”

 

3. Start Now

“Whether or not an operator expects to be ready by the current deadline, getting plans in motion now will save hassle and money in the long run.”

 

4. Turn to Experts for Help

Gilbarco has “created a certification to support their specific EMV programs, designating managed network services providers (MNSPs) that are familiar with deploying and servicing their EMV compliant hardware and software.”

 

5. Think Beyond the Deadline

“While meeting the EMV transition deadline may feel like a sprint to the finish line, upgrading POS security is just one aspect of network transformation that can help petroleum retailers thrive. View EMV transition as a beginning, not an end.”

The new outdoor EMV deadline will be April 17, 2021. If you haven’t begun your outdoor EMV upgrade, we strongly suggest contacting your local Gilbarco distributor as soon as possible.

You can find more information with Gilbarco Veeder-Root’s Quick EMV Migration Guide.

 

Looking for Gilbarco equipment? Click on the links below to visit our web store :

Pumps & Dispensers
Passport Point of Sale
Gilbarco Passport Point of Sale
Forecourt Payment Options
Gilbarco Forecourt Payment Options
Forecourt Merchandising
Gilbarco Forecourt Merchandising Options

Click here to search all Gilbarco equipment and parts listed in our web store.

 

Please do not hesitate to contact us with any of your EMV questions, concerns or to place an order by calling 1.800.451.4021 or visit us online at johnwkennedyco.com for all your petroleum equipment needs.

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

 

JWK USA Logo

EMV DEADLINE DELAYED Until April 2021! But Retailers Advised To Stay On Schedule

EMV Delayed

EMV Deadline Moved To April 2021

Earlier this month, Visa and several other leading credit card issuers announced that they will delay the October 2020 EMV liability shift to April 17, 2021 due to complications caused by the worldwide coronavirus pandemic.

In a May 4th article that appeared on convenience.org, it states Visa had initially declined NACS request to delay as it was still monitoring the situation. NACS had requested a new deadline be set after the crisis passed and market forces could be reevaluated but Visa moved forward with setting a new deadline of April 17, 2021.

The six-month cushion will benefit retailers in varying ways, some greater than others, depending on their progress towards EMV compliance. For those that have the ball rolling, the delay may eliminate their lapse in compliance, keeping their businesses safe from fraud chargebacks. Retailers that haven’t started will still experience a gap in fraud liability protection.

“Most Gilbarco distributors suggest placing orders sooner rather than later,” said Chris Whitley – Gilbarco Vice President, Sales and Marketing. “Getting on a distributor’s schedule now will help that retailer understand how much the new delay really benefits their business.”

Meanwhile—despite the recent announcement of the EMV deadline delay—many retailers are staying the course, despite the commercial disruption posed by COVID-19. Businesses that already put their EMV plans in motion are now seeing the fruits of their preparations – even during the pandemic.

You can read more from Gilbarco’s blog here or the NACS article here.

And of course, the John W. Kennedy Company is here to help with your migration by offering you the best options from the leader in EMV Forecourt and Point Of Sale technology:
Gilbarco Veeder-RootClick on the images below to get an overview of some of your options
:

Pumps & Dispensers
Passport Point of Sale
Gilbarco Passport Point of Sale
Forecourt Payment Options
Gilbarco Forecourt Payment Options
Forecourt Merchandising
Gilbarco Forecourt Merchandising Options

To learn even more about Gilbarco EMV Product and Upgrade Options, call us at 1.800.451.4021

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

 

JWK USA Logo

Beat The October 2020 EMV Deadline With Huge Savings From Gilbarco Veeder-Root

Thousands in savings for Independent Sites

Beat the October 2020 EMV deadline with huge savings from Gilbarco Veeder-Root.

Please note: While we are authorized to sell genuine Gilbarco replacement boards and parts nationwide, we are NOT authorized to sell equipment or kit sides beyond our Gilbarco PMA distributor agreement. If you have any questions about Gilbarco parts or equipment, feel free to contact us at 1.800.451.4021.

These Packages are Easy Steps to Instant Savings

  1. Purchase Via the John W. Kennedy CompanyDispensers and Passport must be on the same purchase order by 11/15/20
  2. Rebate Request & Commission – We fill out “Rebate Request Form” and commission equipment.

 

Your C-store, powered by Gilbarco.

Gilbarco Encore 700 & Passport

Independent stations save $10,000 when you bundle 4 or more Gilbarco’s Encore® 700S dispensers with a new Passport® Point-of-Sale or $7,500 when you bundle 4 or more Gilbarco’s Encore® 700S dispensers with a Passport® trade-up.

Exclusive Dispenser + Passport Package

The Encore® 700 S is the industry’s most durable and proven fuel dispenser, paired with the industry’s fastest growing POS solution, Passport,® Gilbarco has designed a package to future-proof your business while giving you the lowest total cost of ownership. The exclusive Shell package E700 S dispensers come standard with FlexPay™ IV CRIND with full EMV and PCI PED certification. The CRIND comes with a FlexPay™ Hybrid Card Reader that accepts both magnetic stripe cards and EMV chip cards to provide your customers protection through data encryption as well as innovative physical security features. Gilbarco’s Passport® Point of Sale System has industry-leading security and functionality. No POS system offers more runway to keep your business up and running longer.

 

 

Gilbarco Veeder-Root Encore 700 & Passport Edge

 

Independent gas stations save an additional $4,500 per site when you bundle 2-5 Gilbarco’s Encore® 700S dispensers with the simple and intuitive tablet Passport® EDGE

Exclusive Dispenser + Passport EDGE Package

The Encore® 700 S is the industry’s most durable and proven fuel dispenser, paired with the industry’s fastest growing POS solution, Passport,®  Gilbarco has designed a package to future-proof your business while giving you the lowest total cost of ownership.  The exclusive Shell package E700 S dispensers come standard with FlexPay™ IV CRIND with full EMV and PCI PED certification. The CRIND comes with a FlexPay™ Hybrid Card Reader that accepts both magnetic stripe cards and EMV chip cards to provide your customers protection through data encryption as well as innovative physical security features.

Encore® 700 S Included Features
5.7″ Color Screen Included
Option to upgrade to 10.4″ Color Screen With 8-year ATV Agreement
Contactless Card Reader Included
DCM Included
Catlow Hanging Hardware Included
Option to upgrade to ERGO 75 Nozzles $55 per nozzle | 2 year warranty
Brand Image Included
Passport EDGE Pricing
Single Cashier Workstation Monthly Subscription $249 Dual Cashier Workstation Monthly Subscription $299
Optional Installation Monthly Pricing $70 Optional Installation Monthly Pricing $70
Total Monthly Subscription Price + Install  $319 Total Monthly Subscription Price + Install  $369

 

Your store, at your fingertips.

Gilbarco Passport

Independent Marketers save up to $7,000 when switching to Gilbarco’s industry-leading c-store POS or save over $1,400 when upgrading your current Passport.

 

The Passport® Point Of Sale system provides you with the tools you need to grow, control, and track your business. With the richest third-party interfaces on the market, an easy-to-use touch screen, accurate reporting features, and reliable service, you can stay on top of your c-store POS transactions while being guaranteed expert support if you need it.

 

Exclusive Passport® PackageGilbarco Passport Edge

Gilbarco’s Passport® Point of Sale System is the fuel and c-store industry’s fastest growing POS solution. Passport® is designed to future-proof your business while giving you the lowest total cost of ownership. With industry-leading security and functionality, no POS system offers more runway to keep your business up and running longer.

Passport® Included Features

Base Applications Modules Included
Option to upgrade to Enhanced Store Module Pricing via Distributor
Employee Management Module Included
Option to upgrade to Enhanced Card Services Module Pricing via Distributor
Advanced Merchandising Module Included
Option to upgrade to Enhanced Loyalty Module Pricing via Distributor
Carwash Module Included
Play at Pump Module Included
Passport PSO Plus Coverage Included- 1st year

And Remember These Easy Steps to Instant Savings for The Above Packages

  1. Purchase Via the John W. Kennedy CompanyDispensers and Passport must be on the same purchase order by 11/15/20!!
  2. Rebate Request & Commission – We fill out “Rebate Request Form” and commission equipment.

 

There are also available offers for branded locations as well.  So don’t hesitate to contact us at 1.800.451.4021!

Please note: While we are authorized to sell genuine Gilbarco replacement boards and parts nationwide, we are NOT authorized to sell equipment or kit sides beyond our Gilbarco PMA distributor agreement. If you have any questions about Gilbarco parts or equipment, feel free to contact us at 1.800.451.4021.

And of course, the John W. Kennedy Company is here to help with your migration by offering you the best options from the leader in EMV Forecourt and Point Of Sale technology:
Gilbarco Veeder-RootClick on the images below to get an overview of some of your options
:

Pumps & Dispensers
Passport Point of Sale
Gilbarco Passport Point of Sale
Forecourt Payment Options
Gilbarco Forecourt Payment Options
Forecourt Merchandising
Gilbarco Forecourt Merchandising Options

To learn even more about Gilbarco EMV Product and Upgrade Options, call us at 1.800.451.4021

 

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

 

JWK USA Logo

EMV October 2020 Deadline: Running Out Of Time!!

NACS Hourglass

Ignoring the October 2020 deadline for EMV at the pump could cost you more than upgrading

The October 2020 deadline to upgrade your equipment to the EMV standard is just around the corner and will be here before you know it!  If you haven’t addressed your EMV needs as of yet, you should start right now!  Not only will there be a crunch on equipment as the deadline approaches, there will be an even bigger crunch on the available service companies and technicians qualified to perform your required upgrades before you hit the deadline wall of October 2020!

Missing this deadline will be very costly to those who don’t act at all.  Don’t expect the deadline to be pushed out again as there is extreme concern by consumers when it comes to the security of their personal information and the credit card companies are listening!  But more importantly to retailers is the HUGE liability shift of chargebacks from the credit card companies to YOU, the retailers who don’t upgrade; that’s a financial hit that will certainly be felt immediately. Currently, gas stations and c-stores are some of the weakest links in the chain at this time for being non-EMV compliant and with the plethora of information available on all matters related to EMV, there is no reason to hesitate any longer.Jerry Soverinsky

Jerry Soverinsky, a contributor to NACS Magazine has a great article in the December 2019 issue (click here to see the PDF of Jerry’s article).  Jerry points out the associated costs for those who wait and those who ignore the deadline, which could very likely cost you more than the upgrade itself!  Jerry’s article is quite the read and very worth a look if you are weighing the options of upgrading now or waiting. The article has facts, figures and some great graphs to lay out what’s at stake.

EMV Preparedness

 

Another great resource is Gilbarco’s EMV Migration Guide containing:

  • EMV Migration Checklist
  • EMV Overview
  • Forecourt Payment Products
  • EMV Upgrade Process
  • Reimage Kit Options
  • High-Speed Site Connectivity
  • And more…

 

 

And of course, the John W. Kennedy Company is here to help with your migration by offering you the best options from the leader in EMV Forecourt and Point Of Sale technology:
Gilbarco Veeder-RootClick on the images below to get an overview of some of your options
:

Pumps & Dispensers
Passport Point of Sale
Gilbarco Passport Point of Sale
Forecourt Payment Options
Gilbarco Forecourt Payment Options
Forecourt Merchandising
Gilbarco Forecourt Merchandising Options

To learn even more about Gilbarco EMV Product and Upgrade Options, call us at

1.800.451.4021

 

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

 

JWK USA Logo

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!

 

JWK USA Logo

Verifone – VASC Field Service Bulletin: Secure Pump Pay & Smart Pump Access

VASC Field Service Bulletin

Verifone MX760 & MX700 Secure Pump PayOVERVIEW

Verifone announced in August 2014 that they entered an agreement with Gilbarco such that Gilbarco would become the integrator, distributor and service provider for all Verifone’s forecourt payment systems. Any pre-partnership commitments and agreements would continue to be honored in respect to Verifone’s Paymedia (Secure Pump Pay program).Verifone Smart Pump Access

During this time, Verifone’s new strategy with Gilbarco would be to continue to collaborate and engineer products sold under the Gilbarco sales channel. The current product is known as Flexpay IV and is exclusively available from Gilbarco for use with their model dispensers and retrofit kits.

Verifone stopped producing its Secure Pump Pay product line in July 2016 and existing inventory on- hand was used to fulfill existing contractual commitments. Beginning September 30th, 2019 only clients who are under existing contracts will receive support and repair from Verifone for their SPP devices. This includes the
Secure Pump Access (SPA) device.

Verifone’s mission is to deliver high-quality payment solutions based on powerful new technologies that lower your cost of ownership and enhance the efficiency of your operations. Verifone looks forward to helping you meet outdoor EMV and other increasingly complex regulatory, compliance and security requirements.

COMPLIANCE INFORMATION

Visa’s U.S. deadline for EMV for dispensers is currently set at October 1, 2020. Additionally, the Verifone SPP is certified either to the PCI 1.x or 2.x standard and both have now been succeeded by versions 3, 4, and 5. SPP PCI 1.x devices should be replaced as soon as feasible because of possible vulnerability based on the age of the device. These are primary reasons Verifone has been forced to phase out repair services for the SPP.

Learn more about Gilbarco’s FlexPay IV by click here or on the image below.

WHAT DO I NEED TO DO?

You can contact us at 1.800.238.1225 to obtain a compatible solution to replace SPP equipment and choose a compatible EMV-enabled product. Please do not hesitate to contact us with any questions or equipment needs to meet EMV requirements as well as any of your other refueling equipment needs. 

And please visit our online store where we have thousands of products ready to ship the same day (for orders received prior to 3PM Eastern Time) and what you can’t find, please call us at 1.800.238.1225 as we have access tens of thousands of products from hundreds of vendors.
The John W. Kennedy Company appreciates your business and continued support!

 

JWK USA Logo

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!

 

JWK USA Logo