>>Merchant Processing

Changes to PCI Compliance are Coming June 30. Is Your Ecommerce Business Ready?

In 2015, the Payment Card Industry (PCI) updated their standards for encrypting online and ecommerce transactions. For years the SSL and TLS 1.0 protocols were enough, but as hackers have gotten savvier the industry has been forced to adapt. To that end, ecommerce and businesses using online gateways must transition to TLS 1.1 encryption or [...]

3 Things to Keep in Mind When Modernizing Your Payment Processing System

As your business prospers, it’s important to stay on top of current trends and technologies that are relevant to your business including the solutions you use to transact payments. Here are a few things to think about as you bring your payments capabilities into the modern age. Consumers have more options than ever to pay. [...]

Visa Tackles the Biggest EMV Issue

EMV has rolled out to stores and credit card terminals around the world. It’s the new standard for secure transactions, and people are encouraged to use their chip-enabled cards whenever they have the option. One of the major complaints about EMV (it may be the only complaint, really) is how long it takes to run [...]

Plastc: How a Payment Card Should Work

Plastc is a new spin on old tech, and it’s extremely impressive. In a previous post about credit card technology, Plastc was mentioned but not really explained, so that’s what I plan on doing here. The idea is, using Bluetooth, an app, and a magstripe reader, you load your existing debit & credit cards into [...]

Are you still swiping your card in stores? Stop.

October 1st 2015 came and went with little fanfare. Many businesses upgraded their point of sales terminals to be compatible with the new EMV standard, but I’ve noticed a surprising amount haven’t made the switch yet. These aren’t small time, mom & pop shops that I’m referring to either. Massive retailers that tend to be [...]

Stay Ahead of the Hackers

On October 1st the EMV liability shift occurred. Now, merchants are responsible for any fraud that happens during processing. Although we've been told to prepare for this change for a full year, only 40% of American card-holders have gotten their chip cards. Unfortunately, this slow adoption rate has given rise to new scams. Pretending to be a card [...]

Security Essentials for Small Businesses

With the increased frequency and sophistication of modern cyber attacks, it is more important than ever for business owners to educate themselves and their staff about the dramatic effects of a data breach. With so many big businesses making the headlines for failed security over the past year (Target, Sony, Anthem, just to name a few), it’s easy to [...]

NewtPay Zero & Political Campaigns: Optimizing Donor Contributions

With the 2016 presidential election approaching, candidates are now firmly focused on their campaigns. November 8th, 2016 is not too far off, and candidates are racing to raise millions of dollars - millions which will be spent on what many experts predict will be the most expensive election cycle in U.S. history. This leads us [...]

The Fight Against Fraud

Fraud is a scary thought in today’s merchant environment. Whether it be large-scale hacks on payment systems, or singular attempts of identity fraud, the amount of individuals seeking to gather personal information and swindle consumers out of their own money is ever increasing. When shopping online, in-store, or on the side of the street for [...]

Will Retailers Be Ready for EMV?

While the clock is ticking down toward the October 2015 EMV liability shift, an increasing number of analysts are questioning whether the majority of U.S. merchants will convert by that deadline, or at all. According to reports in Banking Info Security, though the forthcoming shift will mean that issuers or merchant that do not support [...]