Tag: EMV

What’s happened with chargebacks since the Outdoor EMV Liability Shift?

For petroleum marketers, the April 17, 2021, Outdoor EMV liability shift has come and gone, but how has the shift impacted chargebacks at sites? Petroleum marketers have reported an influx of incorrect chargebacks flowing through, citing three primary aberrations: mobile transactions showing chargeback reasons related to EMV transactions, reason codes related to goods and services…

The MYTH of getting robbed from your pocket via Contactless Payments

While navigating on social media, I found a video around contactless fraud. The video warns people to be protective of their wallets as he initiated a contactless transaction with another person who carried his wallet inside his back pocket (you can see the video here). Of course, a video like this can generate reactions that…

What’s Holding Up Contactless Payments in the US?

Contactless payments in the US have been lauded for years as the next consumer payment trend. Aside from a few very large retailers and transit use in cities like New York, Boston and Chicago, however, there are not many merchants that accept contactless payments in today’s market. This post will discuss why US contactless payments…

Cashiering Enters the Mobile Age

The following has been re-posted from Convenience Store Decisions. The original article can be found here.   Hand-held devices aren’t just convenient; they are the secured cash registers of the future. By Ed Collupy Looking back, I always wanted the opportunity to checkout a customer using a brass cash register, not just seeing and admiring…

Changing Signature Requirements - How Will You Be Impacted?

Starting last year, the 4 major US card brands – MasterCard, Visa, Amex, and Discover – issued announcements that beginning in April 2018, merchants are no longer be required to collect signatures on card present transactions. Each card brand’s program has different rules and requirements about which transactions are exempt from signature collection, but broadly,…

2017: Observations in Review & What’s to Come

The following was re-posted from Convenience Store Decisions. The original posting can be found here. As the year ends, it’s a time for reflection and to look into the future.  By Ed Collupy It’s that time of the year when it’s always good to take time to look back, reflect, and muse – where did…

To PIN or Not to PIN?

A PIN— a Personal Identification Number. A customer’s PIN is the number that can verify a customer’s identity during a transaction. Most consumers and merchants believe that a PIN should be the de facto method for validating a cardholder’s identity. The question of whether or not a PIN will be the verification method most widely…

Moving Forward With Payment Technology

The following has been re-posted from C-Store Decisions. The original article can be found here. As EMV implementation wraps up, retailers must consider where mobile payment solutions are headed. By Ed Collupy The baseball season is in full swing and I’m reminded as I continue to think about card payments in the petro/convenience store industry…

EMV Hopes - An Implementation Update

The following has been re-posted from C-Store Decisions. The original article can be found here. As retailers struggle with compliance, chargebacks from the liability shift have been larger than anyone in the industry anticipated. By Ed Collupy The implementation of EMV (Europay, Mastercard and Visa) chip card acceptance should be history for inside payment transactions…

Forecourt Evolution

The following excerpt, re-posted from Convenience Store Decisions, is an excerpt from Lisa White’s article “Back Office & Forecourt Evolution,” which contains contributions from W. Capra’s Ed Collupy. FORECOURT BREAKTHROUGHS When it comes to new developments in forecourt marketing, much of the focus has been on incorporating technology, such as media and ordering capabilities, at…