Regional Account Manager for IMD is responsible for obtaining the lowest possible merchant fees for businesses by processing high volumes of transactions as a Tier 1 processor. They are also responsible for ensuring businesses are EMV/PCI DSS compliant by providing credit card terminals at affordable prices that are often covered by savings on fees. IMD can provide lower merchant fees by eliminating middlemen as a Tier 1 processor, increasing business profits. IMD will pay $250 if they cannot beat a business's current processing rates.

1. Page 1 For more information on how to save money on merchant fees, go to http://www.imerchantdirect.biz/
My main responsibility as a
Regional Account Manager for IMD
is obtain the absolute lowest possible
merchant fees for you as a business.
Why? The more customers we can
save money, the more volume of
business we process which allows us
to obtain the lowest rates possible as
a Tier 1 processor. It is a Win-Win.
My second responsibility is to
determine how we can get your
company EMV/PCI DSS compliant
credit card terminals at the most affordable price. Many times the money we save you in
your credit card processing fees actually covers the cost of the terminals. Plus we always
provide upgrades of your equipment for free.
Because IMD is a Tier 1 processor the middle man is eliminated and thus IMD is able to
provide merchant fees at a much lower rate thus increasing the net profit for your business.
IMD is so confident that they can provide most businesses merchant fees at a lower price
than what they are currently paying, they will pay you $250 if they cannot beat your current
rate.
Save Money on Credit Card Processing
So how do you save money on credit card processing? It is a very simple process.
 We review your most recent merchant account statement and do a detailed side
by side comparison and show exactly how money you are overpaying and how
much your annual savings will be with IMD.
 We review all of your processing terminals to make sure your terminals are
processing cards properly and determine if you need EMV compliant readers.
 We provide you a detailed printout of all your costs, contract terms, etc so there
are no surprises.
 We provide a 48 month rate guarantee. That’ right, lock your rates for 4 years.
Let’s get started right away. Give us a call and we will start the review process.
The following are articles in regards to the new EMV/PCI Compliance regulations that
become effective November 1, 2015.
Richard Dover and IMD assume no responsibility for the information shared and have not verified the
reliability of the information shared. These articles are provided for informational purposes only.

2. Page 2 For more information on how to save money on merchant fees, go to http://www.imerchantdirect.biz/
Published on QSR magazine (http://www.qsrmagazine.com)
Are You Ready for EMV?
New credit card standards will have major effect on industry starting in 2015.
Though 2013 has just begun, restaurant operators should keep at least one eye on 2015, when new credit
card standards will begin to reshape how most customers pay for goods and services.
By October 2015, all restaurants and other merchants will be subjected to new Europay, Mastercard, and
Visa (EMV) standards, which reflect a shift from magnetic-stripe credit cards to chip-and-pin cards.
Considered safer and widely used across Europe and other nations, the chip-based cards require insertion
of the card into a terminal throughout the entire transaction.
“That’s going to be a change in behavior that restaurants and retailers are going to have to adapt to, as
well as consumers,” says Mike English, executive director of product development for Heartland Payment
Systems, which processes about one in seven restaurant industry transactions.
EMV compliance is required for credit card acquirers and processors, though it’s not mandated for
merchants and processors. But merchants who don’t meet compliance by October 2015 will assume
liability for fraudulent purchases—a shift that is poised to drive many to adopt the new standards and
avoid the risk.
“The U.S. is the last bastion of the magnetic stripe. Every other country and every other continent, with
the exception of Antarctica, has moved over to EMV.”
English says the change does come with a share of good news for operators. First, the chip-based cards
are less susceptible to fraud. U.S. adoption will also allow for increased interoperability between domestic
and international markets as things move to a more global credit card standard.
“The U.S. is the last bastion of the [magnetic] stripe,” English says. “Every other country and every other
continent, with the exception of Antarctica, has moved over to EMV.”
The shift means restaurants across the country will have to review their point-of-sale systems, including
in-store hardware and software. The transition could prove easier for small operations, which may be able
to move to EMV by simply adding a new external pin pad. But the larger quick-serve chains will likely
have to invest heavily as they look to upgrade thousands of terminals and systems.
And while the change is still a ways off, experts say the move could influence operators’ purchase of POS
equipment; some may want to delay purchases planned for the next couple of years, while others will
speed up their upgrades to obtain EMV compliance by the 2015 deadline.

3. Page 3 For more information on how to save money on merchant fees, go to http://www.imerchantdirect.biz/
For Dallas-based Wingstop, the shift to EMV will likely be handled through installing add-on devices to
existing POS terminals, says vice president of technology Jason McEachern. He expects the transition
will be easier for Wingstop than some other brands because the 550-unit chain typically has only two or
three terminals in each store.
McEachern says operators should be prepared to invest time and energy to meet new standards.
“It’s going to be different,” he says. “And there is going to be an expense. Even if you have compliant
devices, at some point in the future you’re still going to have some legacy elements you’re going to deal
with.”
But the new EMV standards shouldn’t detract from a restaurant’s commitment to PCI compliance, says
Bob Russo, general manager of the PCI Security Standards Council, a nonprofit that establishes standards
for all organizations that store, process, or transmit credit card data. In fact, Russo says, EMV and PCI
standards are best used together, as merchants do in many European countries that meet both standards.
“Even in the very mature [EMV] markets, people are realizing that EMV alone, while a good fraud tool in
the face-to-face environment, is not really enough to protect everything,” he says. “We don’t see any
downgrading of PCI at all.”
While operators may lament the costs associated with meeting another set of standards, Russo says, the
upgrades will save operators heartache and cash in the long run through improved data security.
Russo expects to see larger merchants add EMV terminals this year as credit card companies begin to
issue more chip-based cards. Then it will take time—some estimate as many as seven to 10 years—for
chip-based cards to become fully integrated into the marketplace.
“You’re probably looking at two to three years before you begin to see it really becoming ubiquitous out
there,” Russo says. “It’s a rather slow conversion over to EMV. But it’s definitely coming.”
Source URL: http://www.qsrmagazine.com/exclusives/are-you-ready-emv
Copyright © 2015 Journalistic Inc. All Rights Reserved. QSR is a registered trademark of Journalistic,
Inc.

4. Page 4 For more information on how to save money on merchant fees, go to http://www.imerchantdirect.biz/
Will EMV Make You PCI Compliant?
ComplianceGuide.org
Tim Thomas
Many merchant acquirers, payment processors and Independent Sales Organizations (ISOs) have
been reaching out to business owners to alert them of America’s 2015 migration from magstripe (i.e.,
“swipe”) credit/debit cards to EMV (i.e., “chip”) payment cards.
The new EMV cards will have much-needed, enhanced anti-fraud capabilities at the physical point of
sale. So, when your customer presents a card for payment, it will be much easier to tell if that card
actually belongs to them.
While EMV represents a significant improvement in the way credit/debit card fraud is detected and
prevented, some have confused EMV’s capabilities with the concepts of data security and PCI
compliance.
Does EMV override PCI?
The short answer is no, EMV technology does not satisfy any PCI requirements, nor does it reduce PCI
scope.
What EMV is:
 It is counterfeit card fraud protection – it makes it more difficult for bad guys to make use
of stolen card data
What EMV is not:
 It is not encryption – EMV does not encrypt the Primary Account Number (PAN) and
therefore the card data must still be protected according to PCI guidelines
 It is not helpful for ecommerce transactions – EMV only works for card present
transactions
So, if your business accepts credit or debit cards in a physical store (or other face-to-face setting), you will
need to implement the EMV technology and PCI standards in a layered fashion. For example, as you
upgrade your terminals for EMV, consider adding point-to-point encryption (P2PE) capabilities to reduce
PCI scope and protect data end to end. In addition, using tokens after authorization can prevent the card
data from being used, should it be stolen.
Even if 100% of your payment transactions are ecommerce (i.e. card-not-present), you’ll want to take a
closer look at your payment acceptance methods as well as the security of your web applications. That’s
because as EMV takes effect, you will see a shift in fraud from card-present transactions to ecommerce.
This happened in Europe and it’s expected to happen in the U.S. as well.
Want to learn more about reducing your PCI compliance scope or just need a good place to get started
with PCI compliance?
https://www.pcicomplianceguide.org/will-emv-make-you-pci-compliant/

5. Page 5 For more information on how to save money on merchant fees, go to http://www.imerchantdirect.biz/
Increasing Security and Reducing Fraud with EMV Chip and PCI Standards
When data is exposed, it puts your customers and your reputation as a business at serious risk. EMV chip
technology combined with PCI Security Standards offer a powerful combination for increasing card data
security and reducing fraud. Visit www.emvco.com and www.pcisecuritystandards.org to learn more.
What they are – Fraud protection and data security
EMV chip:
 Technology that uses secret cryptographic keys to help protect against fraud at the point of sale
and make payment cards more difficult to counterfeit.
PCI Security Standards:
 Security controls for making sure that customer's card data is kept secure throughout the entire
transaction process.
How they're different – Authentication technology vs. data security controls
EMV chip:
 Authentication technology for the point of sale part of the transaction when the physical card is
actually present.
 When this chip is embedded on a card, it helps ensure the card being used is real and that it
belongs to the person using it. It drastically reduces the chances of your business accepting lost,
stolen or counterfeit cards.
PCI Security Standards:
 Security controls to protect the cardholder's confidential information on payment cards, not just at
the moment the card is swiped or dipped, but all the way through the transaction process.
 They also apply when payments are made online or via telephone, where the card is not present, to
make sure your customers' card data is kept safe.
How they work together – A layered approach for securing multi-channel transactions
 EMV chip provides an additional level of authentication at the point of sale that increases the
security of a payment transaction and reduces chances of fraud.
 Once the card is entered into the merchant's system, the cardholder's confidential information is
transmitted and stored on their network in a clear, easily accessible form, meaning it's vulnerable
for attack and use for fraud by criminals in online and other channels.
 Which is where PCI Standards come in. On top of EMV chip at the POS, they offer protections
for the POS device* itself and provide layers of additional security controls** for businesses to
use throughout the transaction process and across payment channels to keep card data safe - such
as patching systems, monitoring for intrusions, using firewalls, managing access, developing
secure software, educating employees, and having clear processes for the handling of sensitive
payment card data.
When used together, EMV chip and PCI Standards are a powerful combination to increase security and
reduce fraud. Protect your customers' data and your business today.

6. EMV KEY DATES CHART-CARD NETWORKS
Visa MasterCard American Express Discover
October 2012
Visa will extend the Technology Innovation
Program (TIP) to merchants in the U.S.,
potentially allowing them to skip the annual PCI
DSS validation for any year in which at least
75% of merchant Visa transactions originate
from dual-interface EMV chip enabled
devices—plus other qualification criteria such
as being PCI DSS compliant.
October 2012
PCI assessment relief takes effect.
December 31, 2012
Discover will institute Fraud Liability Shift for
Diners Club International.
April 2013
Acquirers/processors will be required to support
merchant acceptance of EMV chip transactions.
April 2013
Acquirers and sub-processor mandate to fully
process EMV transactions. Cross border
Maestro ATM liability shift to non-EMV ATMs.
April 2013
Processors must be able to support American
Express EMV chip-based contact, contactless
and mobile transactions.
April 2013
Discover merchant acquirers, acquiring
processors, and merchants with direct
connections into its network must be certified
as able to support the network data needed in
contact and contactless EMV chip card
transactions. The mandate applies not only in
the U.S., but also in Canada and Mexico.
October 2013
MasterCard Account Data Compromise (ADC)
relief takes effect (50%). On this date, if at least
75% of MasterCard transactions originate from
EMV-compliant contact and contactless POS
terminals, the merchant is relieved of 50% of
account data compromise penalties.
October 2013
Merchants will be eligible to receive relief from
PCI Data Security Standard (DSS) reporting
requirements if the merchants' point-of-sale
(POS) acceptance locations, where 75% of
their transactions occur, are enabled to process
American Express EMV chip-based contact and
contactless transactions.
October 2013
Discover will grant annual PCI audit waivers for
merchants that process 75% of Discover
Network transactions via terminals supporting
both contact and contactless payments.
October 2015
The party that is the cause of a contact chip
transaction not occurring will be financially
liable for any resulting card present counterfeit
fraud losses. Does not include automated fuel
dispensers (AFD).
October 2015
MasterCard ADC relief takes effect (100%). On
this date, if at least 95% of MasterCard
transactions originate from EMV-compliant POS
terminals, the merchant is relieved of 100% of
account data compromise penalties.
MasterCard liability hierarchy takes effect
(excluding fuel).
October 2015
American Express will institute a Fraud Liability
Shift (FLS) policy that will transfer liability for
certain types of fraudulent transactions away
from the party that has the most secure form of
EMV technology.
October 1, 2015
Discover will institute a Fraud Liability Shift (in
U.S., Canada and Mexico). This Fraud Liability
Shift policy will be a risk-based payments
hierarchy that benefits the entity that leverages
the highest level of available payments security.
October 2017
Deadline for automated fuel dispensers (AFD)
to comply.
October 2017
MasterCard liability hierarchy takes effect for
fuel dispensers.
October 2017
FLS takes effect for transactions generated
from automated fuel dispensers.
October 1, 2017
Fraud Liability Shift takes effect for transactions
generated from automated fuel dispensers.

7. EMV KEY DATES CHART-DEBIT NETWORKS
PULSE Maestro/MasterCard
April 1, 2013
U.S. liability shift deadline for both acquirers
and deployers for transactions using Maestro
(the company’s European debit card brand).
October 16, 2013
U.S. Point of sale acquirer processors and
direct-connect merchants are required to
support EMV data. This is expected to feature
broad support for online PIN-authenticated
transactions.

8. EMV KEY DATES CHART-ATM
VeriFone Systems, Inc. – 021213 KS
Visa MasterCard
April 2013
EMV-compliance deadline for all U.S. ATMs.
April 1, 2015
U.S. third-party ATM acquirer processors and
sub-processors must be able to support EMV
chip data.
October 1, 2016
Liability will shift in the U.S. for ATMs.
October 1, 2017
Liability will shift in the U.S. for ATMs.