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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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!

 

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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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Vendor Spotlight – Gilbarco

Gilbarco Veeder-Root

John W Kennedy - Charles Street, Providence, RI

Edwin “Brud” Cheetham & John W. Kennedy
John W. Kennedy Company, Charles St., Providence, RI

Over 150 Years of Innovative Fueling Technology

Around the time the Kennedy Company opened our doors in 1930, we also became a Gilbarco distributor.  Gilbarco is and has been one of our anchor lines since we first partnered with them. Today, we are their oldest distributor in the nation! Gilbarco History

 

In the decades since, the John W. Kennedy Company has gone on to become one of the largest stocking Gilbarco and petroleum equipment distributors in the nation.  Not only do we have thousands of Gilbarco parts on hand with many decades of knowledge, we are home to what Gilbarco has called the premier Gilbarco training facility nationwide, training those who want to become authorized Gilbarco service technicians. We also provide road service to many of our Gilbarco customers located in the New England area.

 

 

And while the Kennedy Company has had its share of firsts with them, Gilbarco has also had their share of firsts since they opened shop with some of the highlights being:

  • the first to introduce a measuring gasoline pump in 1911
  • the first electric meter pump in 1930
  • the first to introduce the multi-product dispenser in the mid 1970’s.

Gilbarco continues to be innovators in fuel technology, offering the best solutions:

(click on the images and/or product categories below to view more product details on our web store)Gilbarco Passport

Fuel Dispensing – Pumps and dispensers for standard unleaded Gilbarco Fuel Dispensersgrades to multi-flex fuel blending options, diesel, DEF and high flow units.  There are also plenty of options available to make your dispensers more secure and to help your in-store marketing efforts.


C-store Point of Sale Systems
–  As the technology leader in the retail fueling business, Gilbarco’s range of POS Gilbarco Passport Point of Sale Systemsterminals offer intuitive and user-friendly technology. With over 30,000 systems across the United States, Gilbarco’s state-of-the-art convenience store Passport® POS systems support the most third party loyalty systems, backed by powerful fuel discounting and merchandising systems.

 

Forecourt Payment Options – Gilbarco’s FlexPay™ Flexible Payment Systems protect your customers and your business. They make your EMV upgrade easy, with a range of options that protect your investment like Forecourt Payment Dispenser Optionsno one else with a range of payment system options to help you offer a seamless, hassle-free transaction experience.
Your forecourt payment hardware must have certifications that confirm their capability to accept and process EMV transactions in order to meet regulations. Software must also be certified to accept and process EMV transactions. Your store’s entire payment ecosystem must be certified to work together before accepting transactions in the field.
Let us help you meet the requirements and take your business to the next level at the same time. See why it pays to work with Gilbarco, the payment security experts.  Be sure to check out Gilbarco’s Fundamentals of C-Store & Gas Station EMV page if you want to learn more about EMV and what you should be doing to prepare. Gilbarco Encore 700 S Flex Fuel

 

Forecourt Merchandising Options – While fuel drives profits, it’s getting the customers in your store to really drive those high-octanGilbarco Forecourt Merchandising Optionse sales.  Gilbarco Forecourt Merchandising creates the shortest distance from getting the customer from your forecourt into your c-store!  Gilbarco has partnered with GSTV, a leading digital content provider, to deliver a wide array of dynamic audio/video content via Gilbarco’s Applause™ TV.  Rounding out the forecourt merchandising options are Applause™ Media System and Play at the Pump to offer real-time on demand coupons and lottery ticket sales at the pump.

 

Insite360 Encore & Passport Solutions – Gilbarco offers Insite360 cloud-based solutions for Encore dispensers and the Passport POS Gilbarco Insite360system.  With an easy to use dashboard, you can effectively manage your business while increasing profits.
Insite360 Encore allows you to resolve up to 30% of the most common issues in minutes remotely! You can also monitor performance, manage assets and along with enhanced security measures, receive alerts when unauthorized entry is attempted with the ability to automate a dispenser shutdown.
Insite360 Passport allows you to monitor, configure and control your Passport from the cloud!  Access reports with the ability to upload and download.  If you have multiple sites you can configure groups with common characteristics all at once, saving you tons of time.  Adjust fuel pricing, update receipt text and more with a few clicks of the mouse. Insite360 Passport works with version 10 and higher and is compatible with all PC’s, tablets and phones.

 

*Please contact our sales staff at 1.800.238.1225 to receive a quote or learn more about Gilbarco’s complete line of fuel dispensers, POS systems, options and services!  We can also help you with financing through our partnership with Patriot Capital as well.

If you have any questions about Gilbarco replacement parts, can’t find what  you are looking for online or the part(s) are in a “Call To Order” status and you wish to place an order, please call us at 1.800.238.1225 and ask for Keith Hardy.

*NOTE: Per our Gilbarco distributor agreement, we are not authorized to sell equipment or kit sides beyond our PMA (Primary Marketing Area).  We can sell replacement boards and parts nationwide.

 

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

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How to avoid getting skimmed when you’re filling your car with gas

patriot-logo

In our ongoing efforts to educate and inform, our partners at Patriot Capital have asked us to share the following article written by Fredrick Kunkle that appeared in the Washington Post on June 16, 2017. Read the original article here.

 

When you’re filling your car at the gas pump this summer, you could be also be giving a thief access to your bank account or credit card.

Gas stations are a chief target of criminals who use data-grabbing skimmers to siphon data from drivers’ credit and ATM cards, according to law enforcement officials and gas retailers. Almost daily, the secretive and illegal devices are discovered at gas stations across the country, such as here, here and here. Earlier this month, Fairfax County police reported finding 21 skimmers at 15 different locations in the past year.

Skimmers work like legitimate banking card readers, but they are secretly installed in or on the pumps by criminals to steal people’s financial data. Gas stations are particularly vulnerable, but banks and other businesses have also been hit.

“The people who are doing skimming — it’s amazing, some of the things they do,” said Lyle Beckwith, senior vice president for government relations at the National Association of Convenience Stores (NACS).

Gas stations are targeted because of their physical layout and the volume of their business. Thieves find it relatively easy to use gas station islands as cover while they tamper with the machines, Beckwith said. The devices are placed either inside the pumps by thieves who jimmy them open or outside the pumps using overlays on the pump’s card reader. Usually, thieves put one skimmer in a single gas station, but that one device can capture a lot of card data.

NACS, which represents more than 2,100 retailers, says nearly 80 percent of the fuel in the United States is retailed through them. Although only a small fraction of those fill-ups get skimmed, a small fraction of 29 million daily fuel customers can mean a lot. A single skimmer can collect data from 30 to 100 cards a day, NACS says.

NACS

The National Association of Convenience Stores (NACS) says special sealing tape can help consumers and gas station operators spot pumps that have been tampered with. (Screen grab from NACS video; courtesy of NACS)

NACS

The National Association of Convenience Stores (NACS) says special sealing tape can help consumers and gas station operators spot pumps that have been tampered with. (Screen grab from NACS video; courtesy of NACS)

To counter them, retailers have been sealing the pumps with special tape. If you see that the seal is broken, you should not use the machine and should alert the operator, he said.

Retailers think the problem will diminish once consumers and retailers fully adopt chip technology, according to Rob Underwood, president of the Petroleum Marketers Association of America.

“As of now, there is a wait time for retailers to have access to the new equipment, which costs around $20,000 per pump,” Underwood said in an email. He said consumers and retailers will still remain vulnerable to fraud until credit card companies allow retailers to require consumers to use PINs on transactions.

NACS has produced a video for its retailers that’s also helpful for consumers, which you can view here:

Here are some tips from law enforcement officials and retailers to protect you at the pump:

  • Use cards with PIN numbers

You’re better off using a card with a PIN if you buy gas, according to NACS and PMAA. NACS, citing a 2013 Federal Reserve study, says you’re four times more likely to be ripped off if your transaction is made without a PIN.

“Signature-based transactions are processed on the antiquated Visa and MasterCard systems that do not process in real-time, versus the instant operation of PIN debit. Not using PIN also increases the cost of the transactions, which is passed back to the consumer,” NACS says. It also says that even old dispensers have technology to encrypt PIN numbers, and that gas pumps have been equipped with them since the early 1990s. “PINs provide a higher level of security. That is why banks require them for transactions at ATMs,” it says.

However, it should be noted that Fairfax County police say that if you’re ripped off via a credit card, you have more protection as a consumer than if the thieves do somehow get your PIN and access to your bank account.

“When the money comes out of that bank account, it’s a lot more difficult to get reimbursed,” Fairfax County Police Officer Tawny Wright said.

That said, the retailers — who bear the cost for fraud — still say they think customers are better off using the PIN.

  • Avoid older gas pumps if you can

These pumps are easier to break into and tamper with. Newer pumps have technology to prevent being ripped off.

  • Check to see whether the pump has been tampered with

Thieves install internal devices by opening the pumps and putting them inside. But gas stations have fought back by using serial-numbered security tape that track the reasons why the dispenser door was opened. If the tape is cut, damaged or broken, it should “bleed” to alert people that it’s been tampered with, NACS says.

For external skimmers, which are installed over an existing keypad, look to see if the keypad is raised. You can do this by running your fingernail along the edge, NACS says. The skimmer may also be loose or wiggle when  you touch it.

Police said newer Bluetooth skimmers are particularly tricky to detect because they can be hidden entirely inside the pumps.

  • There’s an app for that

Retailers can use the SkimDefend app, along with special NACS tamper-alert decals, to track attempts to mess with the pumps.

  • What should you do if you suspect a pump has been tampered with? 

Customers should alert the gas station operator, who should shut the pump down immediately and have it inspected by a technician.

NACS also advises that no one, including the technician, should touch or remove the device. Let the police handle it. In large cases, the FBI and Secret Service sometimes get involved, NACS says.

  • Check your banking and credit card statements frequently for suspicious charges 

If you see anything out of order, call your bank or credit company to report it right away.

If you are a petroleum retailer unsure as to whether now is the time to upgrade your equipment with EMV technology, have questions about equipment and/or financing, we invite you to contact us at 1.800.451.4021 and along with our partners at Patriot Capital, we can explore your equipment and financing options to ensure your location(s) have the latest and greatest data security and your customers’ bank accounts and credit cards are safe from such data skimming technology and practices.

We appreciate your continued business and support!

Gilbarco Announces First US Fuel Dispenser EMV “Chip” Transaction

Gilbarco First US EMV Dispenser
The following article has been reproduced from the original content found at http://www.gilbarco.com/us/news/gilbarco-announces-first-us-fuel-dispenser-emv-chip-transaction

Heightens Security and Meets Growing Consumer Expectations

Thursday, June 15, 2017

Gilbarco Veeder-Root has announced the successful processing of the first US EMV™ “chip” transaction at a fuel dispenser, utilizing Gilbarco’s Passport® Point-of-Sale (POS) and Encore® fuel dispensers on the First Data network (NYSE:FDC).

Gilbarco’s Passport POS solution is the first POS in the US to process forecourt EMV transactions, leveraging FlexPay™ CRINDS from Gilbarco.  Gilbarco expects forecourt EMV payments to quickly begin turning on across the country at the large installed base of FlexPay CRINDS as the software is released for payment networks throughout the year, and as fraud migrates to less secure payment points and security-conscious customers migrate to those sites with enhanced security.  The Passport POS system has supported EMV in-store transactions since May 2016.  With simple software upgrades, Passport sites can be easily configured and enabled for full EMV transactions at the dispenser for all major card types.

“Gilbarco is proud to continue to lead the market on EMV technologies, both inside the store and at the dispenser.  Our customers are looking to enable EMV at the dispenser as soon as possible, to provide the security their customers expect of them, and to get the most of the forecourt EMV hardware investments they’ve already made,” said Mark Williams, Vice President of Marketing, Gilbarco Veeder-Root.

Kamlesh Patel, owner of the 49 Fuels site processing the first US forecourt EMV transaction was eager to enable EMV at the forecourt, stating, “Our dispensers were already EMV-ready, so turning on EMV at the dispenser just required a simple Passport software upgrade.  We’ve seen our customers rapidly become accustomed to paying with their chip cards inside the store on our Passport system, and they are quickly expecting to be able to use their chip card at the dispenser, as they know that it gives them additional security.”

For more information about the Fundamentals of EMV, please go to http://www.gilbarco.com/us/learning-center/emv-c-store-retailers.

About Gilbarco Veeder-Root
Gilbarco Veeder-Root is the worldwide technology leader for retail and commercial fueling operations. It offers the broadest range of integrated solutions from the forecourt to the convenience store and head office. For over 150 years, Gilbarco has earned the trust of its customers by providing long-term partnership, uncompromising support and proven reliability. Major product lines include: fuel dispensers, dispenser media, point-of-sale systems, payment systems, tank gauges, software development and integration, fleet management systems and nozzles.patriot-logo

For more information about Gilbarco EMV or any other Gilbarco Veeder-Root products,  feel free to contact us at 1.800.451.4021.  And that’s not all!  Not only can we help with your equipment needs but our great partners at Patriot Capital are THE Equipment Financing Specialist of our industry.

We appreciate your continued business and support!

More On EMV From Our Friends At Petroleum Processing Solutions

Petroleum Processing Solutions logoWith all merchants who accept credit cards facing the impending shift to the EMV standards, our partners at Petroleum Processing Solutions will be providing us with some helpful information to guide you through the EMV mine field of equipment, processing standards and requirements all will face in the next few years.

About EMVCo

EMV Chip CardEMVCo is a worldwide group comprised of six member organizations (American Express, Discover, JCB, MasterCard, UnionPay, and Visa) and supported by numerous banks, vendors, and other industry stakeholders who act as associates.  Among these associates, EMVCo is managed by a Board of Managers and an Executive Committee, as well as various Working Groups.  Their goal is to facilitate the most secure payment transactions possible through utilizing and evolving the EMV Specifications through processes such as card and terminal evaluation, security evaluation, and management of interoperability issues.

8 FAQs About EMV Cards

PPS EMV article 1Since the shift began towards EMV began here in America a year and a half ago, vendors and industry professionals have had to implement a great deal of new technology and processes into their businesses.  Because it is an ongoing process, many questions are often asked about EMV, including what makes them more secure than traditional cards, how they are used, if “card-dipping” is the only way to use them, whether or not they will require a PIN, who will be liable for costs in the event of fraud, whether or not the shift EMV is complete, if an EMV card will work at a retailer not yet supporting the technology, and if an EMV card can be used while traveling outside the country.

Living with EMV

PPS EMV article 2Introducing EMV technology has come with its fair share of challenges and difficulties.  According to industry professionals, certain trends have been established, and from these trends, the course of the payment industry can be speculated going forward.  Among these findings are that most customers have chip cards in their possession, and that more stores will be accepting them in 2017.  As well, chip cards have been found to reduce counterfeit fraud and protect the card’s magnetic stripe (while they remain), and thanks to using data from the previous year and a half to improve the technology, transactions using the chip are now much faster and easier.  In addition, the loud beeping noises from EMV terminals are not likely to be necessary anymore.  Also, while ATM card skimming fraud saw a rise in activity during 2016, upgraded ATMs compatible with EMV technology should deter further card skimming.

Understanding Liability Shift

As EMV becomes the standard in payment processing technology, having the technology capable of accepting chip cards will no longer be an option for merchants.  As of now, magnetic stripes are still accepted as the transition continues, but businesses that do not support the more secure EMV transactions could pay a heavy cost in the event of fraudulent transactions.  As of October 1, 2015, a global POS counterfeit fraud liability shift went into effect in the United States, which holds that merchants that are not EMV certified are liable for any fraud resulting from a transaction with a customer in possession of a chip-enabled card.

If you would like to learn more about EMV and/or Petroleum Processing Solutions, contact us at (800) 451-4021.

 

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

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EMV Deadline Leads POS Trends

This article has been reproduced from Convenience Store Decisions first appearing on April 2, 2015

EMVMobile payment technology and going paperless will impact point-of-sale (POS) and back office trends in 2015. But, the big focus this year for convenience stores is the Oct. 1, 2015 deadline to become compliant with EMV (Europay, MasterCard and Visa) chip technology.

U.S. retailers are expected to spend more than $8 billion on POS devices, ATMs and credit/debit cards to convert to the EMV standard, according to a study by Javelin Strategy and Research.

The cost to retailers is staggering, but convenience store stakeholders have expressed their commitment to maintaining security standards and are among the leading industries to adopt new POS technology.

Flash Foods Inc., which has 172 stores in Georgia and Florida, has used scanning, POS and back office technology since 1997.

“With scanning at our locations, we also utilize a business intelligence software that allows our marketing, operations, financial and loss prevention departments to get alerts and do reporting on all POS transactions and events,” said Jenny Bullard, chief information officer for Flash Foods.
Flash Foods launched its ‘Rewards in a Flash’ loyalty program in 2005, and in 2008 introduced an Automated Clearing House (ACH) payment card called ‘Go Blue.’

“That allows us to process payment outside of the credit card processors, eliminating credit card interchange fees. In 2014, we launched our Flash Foods Mobile App that enables mobile payment with Go Blue,” she said.

MOBILE OPTIONS
More convenience stores are offering mobile payment options through their own cards as well as outside mobile systems, like ApplePay. “Mobile is the future of payments,” said Stephen Orfei, general manager, PCI Security Standards Council. “It’s exciting to see its potential being realized securely with recent advancements in the space and use of technologies like tokenization.”

Orfei said EMV chip migration is a great opportunity for convenience stores to look at overall POS terminal security and technology.

“The PCI PIN Transaction Security standard provides robust security protections and a secure foundation for businesses to accept new payment technologies—such as mobile—and take advantage of additional security layers like point-to-point encryption and tokenization,” Orfei said.

Flash Foods is among the many convenience store companies already in the throes of EMV migration.

“To meet the October EMV deadline we are installing EMV capable pin pads in all our locations. There will need to be updates to our POS and our credit card processor software to make EMV work,” Bullard said. “As for the October 2017 deadline for fuel pumps, we are still in the planning stages to meet that deadline. Because of older pumps at some our locations that will have to be replaced, the cost for meeting that deadline is concerning.”

Security will continue to be a factor in all POS and back office decisions within the convenience store industry.

“With rules and regulations from PCI changing every year as we have seen with PCI 3.0 updates, software and segregation of the credit card environment will continue to challenge the software solutions companies as well as retailers that use their product,” Bullard said.

You can view the original article at http://www.cstoredecisions.com/2015/04/02/emv-deadline-leads-pos-trends/#_

Feel free to call us at 800.451.4021 if we can help you with EMV or any of your service station needs!

Thank you for your continued support!

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