The new year brings new ideas, new strategies, and of course new challenges that ISOs need to understand in order to thrive and be successful. View this presentation to gain clarity on the pressing topics that impact the ISO community.
- Merchant Cash Discounting and Surcharging – where is it heading?
- The latest with payment security - PCIv3 expiration through 2020 and what it means to advance your merchants to a PCI 5x device
- Android platform versus Traditional desktop and wireless terminals. What are the strengths, weaknesses and best use cases for each
Bi ATM is new generation of self-service multifunctional device with the function of today's ATM and Vending machine with many additional functions:
- Biometric identification of the customers - full eKYC and AML,
- Instant printing and encoding Branded Prepaid Reloadable Cards, National ID, Helath Care Crad or all togehther in one Card,
- Enrollment of customers biometric data on the Card - offline Security,
- Enrollment of customers medical data on the card - in case of emergencies,
- Cards personalization by customers selecting image,
- Money Exchange (Option-The SMART Currency recognition over 80 currencies),
- Money Share,
- Selling Mobile SIM card with or without identification of the customer,
- Advertising on the additional screen,
- And many other banker services such as paying bills, Withdrawals-Reversible
ATM and so on...
The great advantage of the device is that the user does not have to open a bank account or to be Bank clients to use the device.
The device is placed in a public place for the targeted market 24/7.
Its all about Rural Development. Increase productivity with uses of all govt schemes. Improve Networking and Business opportunities.
Create the authentic DATA BANK about all agriculture based people.
Presentación de Amieto Montinari, de ChasePaymentech para el I Foro de Medios de Pago y Fraude Online organizado por adigital. (Madrid, 20 de diciembre de 2012).
Bi ATM is new generation of self-service multifunctional device with the function of today's ATM and Vending machine with many additional functions:
- Biometric identification of the customers - full eKYC and AML,
- Instant printing and encoding Branded Prepaid Reloadable Cards, National ID, Helath Care Crad or all togehther in one Card,
- Enrollment of customers biometric data on the Card - offline Security,
- Enrollment of customers medical data on the card - in case of emergencies,
- Cards personalization by customers selecting image,
- Money Exchange (Option-The SMART Currency recognition over 80 currencies),
- Money Share,
- Selling Mobile SIM card with or without identification of the customer,
- Advertising on the additional screen,
- And many other banker services such as paying bills, Withdrawals-Reversible
ATM and so on...
The great advantage of the device is that the user does not have to open a bank account or to be Bank clients to use the device.
The device is placed in a public place for the targeted market 24/7.
Its all about Rural Development. Increase productivity with uses of all govt schemes. Improve Networking and Business opportunities.
Create the authentic DATA BANK about all agriculture based people.
Presentación de Amieto Montinari, de ChasePaymentech para el I Foro de Medios de Pago y Fraude Online organizado por adigital. (Madrid, 20 de diciembre de 2012).
Closed-loop Card Programs as an Complement to Open-LoopMulti Service
For an organization looking to provide its commercial customers with a payments vehicle, an open loop payment program is typically the default solution. However, there are five types of program requirements that may lead a program sponsor to a closed-loop alternative.
We did some extensive research on Passbook and wanted to share our insights with you. Topics covered in this research are:
• What is Passbook?
• Which industries Passbook is applicable for
• How to download, add and use a Pass
• What type of information can be stored on a Pass
• Passbook cases from around the World
• Passbook, Google Wallet, Windows Phone 8 Wallet Hub comparison
CNP EXPO PAY.ON on Keys to Frictionless International Payments AcceptancePayvision
Traditionally, merchant expansion into international markets has been fraught with challenges from the payments side. The multitude of contracting needs and technical integrations required, combined with wide variations in payment habits and local market expectations often combined to prevent ISOs, Acquirers and merchants from expanding their CNP payments offering beyond international cards, and perhaps one or two of the "mainstream alternative” payment types. The result has been lost customers, lower conversion rates, and foregone opportunities.
This, however, is changing. As North American merchants are pushing their payment providers to “follow them” into European, Latin American and Asian markets, the payments industry has responded with new technology, new services and new solutions that go a long way toward reducing the complexity, time-to-market and effort required for payment providers to “go international.” This presentation will look at the ways these international payment challenges are being overcome by globally-focused industry players, and will spark discussion regarding the right strategy for following merchants to new markets quickly, cost-effectively, and successfully.
What Businesses Need to Know About Changes to Credit and Debit Cardsbusinessforward
The United States is transitioning to more secure payments. Debit and credit cards are being issued with chips on them, which will increase security and could boost consumer confidence. The new chip cards require everyone in the payment ecosystem to adopt new technology—including point of sale terminals—to protect from fraud.
Is your business prepared for the change?
Stephanie Ericksen, Vice President of Global Risk Products at Visa, talks about the move to EMV cards, the effects the switch will have on businesses large and small, and the upcoming liability shift for in-person transactions.
This event is part of Business Forward’s series that connects you with the latest business practices that you may want to integrate into your own operations.
Accepting E-Commerce Payments Online with DragonpayJanette Toral
Process on how to accept payments online in the Philippines using Dragonpay. More details on how to accept payments online in the Philippines at http://digitalfilipino.com/accepting-payments-online/
The presentation provides an basic overview on the payment card industry from history to future technology adoption. Work in progress for in-depth presentation.
Closed-loop Card Programs as an Complement to Open-LoopMulti Service
For an organization looking to provide its commercial customers with a payments vehicle, an open loop payment program is typically the default solution. However, there are five types of program requirements that may lead a program sponsor to a closed-loop alternative.
We did some extensive research on Passbook and wanted to share our insights with you. Topics covered in this research are:
• What is Passbook?
• Which industries Passbook is applicable for
• How to download, add and use a Pass
• What type of information can be stored on a Pass
• Passbook cases from around the World
• Passbook, Google Wallet, Windows Phone 8 Wallet Hub comparison
CNP EXPO PAY.ON on Keys to Frictionless International Payments AcceptancePayvision
Traditionally, merchant expansion into international markets has been fraught with challenges from the payments side. The multitude of contracting needs and technical integrations required, combined with wide variations in payment habits and local market expectations often combined to prevent ISOs, Acquirers and merchants from expanding their CNP payments offering beyond international cards, and perhaps one or two of the "mainstream alternative” payment types. The result has been lost customers, lower conversion rates, and foregone opportunities.
This, however, is changing. As North American merchants are pushing their payment providers to “follow them” into European, Latin American and Asian markets, the payments industry has responded with new technology, new services and new solutions that go a long way toward reducing the complexity, time-to-market and effort required for payment providers to “go international.” This presentation will look at the ways these international payment challenges are being overcome by globally-focused industry players, and will spark discussion regarding the right strategy for following merchants to new markets quickly, cost-effectively, and successfully.
What Businesses Need to Know About Changes to Credit and Debit Cardsbusinessforward
The United States is transitioning to more secure payments. Debit and credit cards are being issued with chips on them, which will increase security and could boost consumer confidence. The new chip cards require everyone in the payment ecosystem to adopt new technology—including point of sale terminals—to protect from fraud.
Is your business prepared for the change?
Stephanie Ericksen, Vice President of Global Risk Products at Visa, talks about the move to EMV cards, the effects the switch will have on businesses large and small, and the upcoming liability shift for in-person transactions.
This event is part of Business Forward’s series that connects you with the latest business practices that you may want to integrate into your own operations.
Accepting E-Commerce Payments Online with DragonpayJanette Toral
Process on how to accept payments online in the Philippines using Dragonpay. More details on how to accept payments online in the Philippines at http://digitalfilipino.com/accepting-payments-online/
The presentation provides an basic overview on the payment card industry from history to future technology adoption. Work in progress for in-depth presentation.
Manage a Recurring Gift Process and Implement PCI Compliance with The Raiser’...Blackbaud Pacific
In this powerpoint Kaine Costello, Blackbaud Pacific's Enterprise Account Manager, provides an introduction of PCI compliance and an overview and demonstration of The Raiser's Edge payment processing.
For more information on the Blackbaud Payment Services please contact sales@blackbaud.com.au.
UniCard Solution Limited is granted with Stored Value Facilities License (SVF0009) and MasterCard's authorization to issue prepaid card. We provide prepaid card and e-Wallet solutions to corporates, helping them to streamline cash flow, reduce financial operation procedures and expand business revenue.
PSD2: The Advent of the New Payments Market in EuropeTransUnion
Register today for this webinar that summarizes Aite Group’s PSD2 Research Report, commissioned by iovation, a TransUnion Company, providing an in-depth analysis of how those in the payment services and e-commerce market should prepare to handle the new strong customer authentication (SCA) requirements under the second Payment Services Directive (PSD2).
Join Angie White, Product Marketing Manager and PSD2 expert at iovation, a TransUnion Company, and Ron Van Wezel, Senior Analyst at Aite Group's Retail Banking and Payments Practice, as they analyze the results of the actual market status in Europe regarding the main changes that PSD2 will bring to the online payments market. Learn what Aite Group concluded after interviewing 20 payments executives from European banks, other PSPs, merchants, payment networks and industry experts.
Key takeaways:
The impact of PSD2, highlighting the priorities that organizations have yet to manage in the transition to the new world after PSD2.
How organizations seek to implement the requirements for secure customer authentication (SCA) and minimize the impact on customer experience.
An analysis of the potential of payment innovation and open banking as a result of PSD2.
If you haven’t already, register for this complimentary research report, PSD2: Advent of the New Payments Market in Europe.
Read the overview of the implications of PSD2 for the payment space in relation to fraud prevention and authentication, including recommendations for banks and other players on how to comply while minimizing friction during the payment process.
Virtual card payments are a great way to pay suppliers while reducing expenses and generating revenue. If you already use a purchasing card or electronic payments through your bank to pay your suppliers and vendors, you may be missing the big picture in supplier payments optimization.
The fact is, most treasury bank programs fall short in supplier conversion success rates. Store Financial is a full-service provider, encompassing the entire process chain, which ensures maximum supplier conversion to card payments. Plus, Store Financial has the most secure B2B payment solution available – more secure than check, credit card and ACH payments, and even other virtual card payments.
Utilizing our Custom Loop™ platform, the highest level of payment security is achieved. Custom Loop™ is a controlled authorization process that keeps only your selected network of suppliers and vendors “in the loop” for the right payment, in the right amount, at the right time. We remove all the noise and clear the way to engage your suppliers in a one-on-one payment relationship, allowing you to strengthen ties – and your brand.
To find out how you can utilize Store Financial’s Custom Loop™ platform to emphasize your brand while servicing your customers and optimizing your payment process, see our presentation titled, Transform Accounts Payable Into a Revenue Center.
Proprietary and Confidential. Service Provider Overview. Mastercard does not object to a Customer's use of a third party, but does need to know what third party(ies) support a particular
Btl mastercard Customer, and the nature of the support provided. A Service Provider may only perform the Program Services it is registered to perform
It gives a summary of information from American Express®, Discover® Network, MasterCard® Worldwide and Visa® U.S.A. regarding changes or updates to interchange rates, operating rules and regulations and other changes that may impact your company.
Konnet’s point-based loyalty program enables merchants to define programs that automatically award a stored value on the card every time the merchant-designated point threshold is reached, www.2x12.in
How ISVs Can Leverage Contactless for the Ideal Customer Experience Ingenico Group
In this webinar, we give Independent Software Vendors insight into what they should be considering when choosing a payment technology partner. Contactless payment is fast gaining momentum in the United States. In the summer of 2019, for example, Visa predicted that with more and more issuers getting on board its branded contactless cards in the U.S. circulation would reach 100 million by the end of the year and then triple by the end of 2020. That means now's the time for ISVs to harness this trend by showing merchants how contactless can enhance the customer experience, build flow-through, and increase sales. This webinar covers the latest contactless-payment research from 451 Research's Jordan McKee. Learn how, as an ISV, you can make this technology work to your advantage--and to that of your clients.
Webinar/The Secret Behind Successful RestaurantsIngenico Group
Join our experts to learn about how you can use payment solutions to boost your bottom line and elevate your customer's dining experience in your restaurant/
PCI at the POS / What’s New, What’s Next, and What Merchants Can Do to Simpl...Ingenico Group
Ingenico Group's latest webinar - PCI at the POS / What’s New, What’s Next and What Merchants Can Do to Simplify Compliance, provided attendees a clear understanding of the Payments Compliance Industry Data Security Standard (PCI DSS) and its latest updates. Our resident security expert, Dr. Rob Martin, and our Director of Strategic Accounts, Nate Potter, were co-hosts.
Although the EMV migration deadline has long come and gone, there are still several industry players who have yet to implement it. In this recorded webinar, Ingenico Group’s Allen Friedman, Ingenico Mobile Solutions' Andrew Molloy and AZ Payments Group's Rick Oglesby discuss:
- Current state of EMV migration in the U.S.
- 7 Ways Businesses can make EMV migration easier for merchants
Watch the recorded webinar - https://event.webcasts.com/viewer/event.jsp?ei=1106146
Pay at-the-Table / Bringing Payments to the ConsumerIngenico Group
Restaurants, hotels, casinos, stadiums and other hospitality businesses see a lot of payment transactions and in most cases, the servers/staff take the credit card away from the customers to process the payment. This payment experience is starting to change – and for good reason.
Join our payments experts for this recorded webinar, entitled Pay-at-the-Table / Bringing Payments to the Consumer, to:
-Take a deep dive into the pay-at-the-table solution
-Gain insight into what’s driving the transition in the U.S.
-Learn the various ways businesses can benefit from pay-at-the-table, including EMV-readiness, increased efficiencies and NFC-enablement
-Explore pay-at-the-table use cases and opportunities
-Discover what solutions are available and determine which ones are right for your business
-Hear best practices for transitioning to pay-at-the-table
2016 Payment Predictions & Strategies to Jumpstart the New YearIngenico Group
In this recorded webinar, Ingenico Group’s Senior Vice President of Strategic Development, North America, Rod Hometh, and guest speaker, 451 Research Senior Analyst, Jordan McKee, discuss:
- Key highlights and takeaways from 2015
- Predictions for which new payment solutions will take off in 2016
- Forecasts into which technologies will move from concept to reality
- Actionable tips and recommendations on how to use these predictions to enhance your 2016 payment strategy
In this recorded webinar, we shed some light on the myths vs. the truths about EMV. Our payment experts address common misconceptions and provide answers to questions, such as:
- What is EMV?
- How does EMV security work?
- What does it take to become EMV-ready?
- Does EMV ensure PCI compliance?
- When is the migration deadline?
- What happens after the migration deadline?
View the full webinar - at http://info.ingenico.us/emv-myths-recorded-webinar
EMV Migration Webinar / Lessons Learned + Next StepsIngenico Group
To discuss where we are with the U.S. EMV migration, receive insight from merchants who have begun their EMV migration and identify next steps that go beyond EMV. Watch the recorded webinar here - http://hubs.ly/H020LJz0
Semi-Integrated Payments / A Simplified Approach to EMV & PCIIngenico Group
Learn what is driving a shift in the traditional payments architecture and how a secure, semi-integrated approach can help: ease EMV migration, improve security, reduce PCI scope and gain flexibility. Watch the full webinar here - http://hubs.ly/H01XXv80
Elevating Tactical DDD Patterns Through Object CalisthenicsDorra BARTAGUIZ
After immersing yourself in the blue book and its red counterpart, attending DDD-focused conferences, and applying tactical patterns, you're left with a crucial question: How do I ensure my design is effective? Tactical patterns within Domain-Driven Design (DDD) serve as guiding principles for creating clear and manageable domain models. However, achieving success with these patterns requires additional guidance. Interestingly, we've observed that a set of constraints initially designed for training purposes remarkably aligns with effective pattern implementation, offering a more ‘mechanical’ approach. Let's explore together how Object Calisthenics can elevate the design of your tactical DDD patterns, offering concrete help for those venturing into DDD for the first time!
Generative AI Deep Dive: Advancing from Proof of Concept to ProductionAggregage
Join Maher Hanafi, VP of Engineering at Betterworks, in this new session where he'll share a practical framework to transform Gen AI prototypes into impactful products! He'll delve into the complexities of data collection and management, model selection and optimization, and ensuring security, scalability, and responsible use.
Pushing the limits of ePRTC: 100ns holdover for 100 daysAdtran
At WSTS 2024, Alon Stern explored the topic of parametric holdover and explained how recent research findings can be implemented in real-world PNT networks to achieve 100 nanoseconds of accuracy for up to 100 days.
GDG Cloud Southlake #33: Boule & Rebala: Effective AppSec in SDLC using Deplo...James Anderson
Effective Application Security in Software Delivery lifecycle using Deployment Firewall and DBOM
The modern software delivery process (or the CI/CD process) includes many tools, distributed teams, open-source code, and cloud platforms. Constant focus on speed to release software to market, along with the traditional slow and manual security checks has caused gaps in continuous security as an important piece in the software supply chain. Today organizations feel more susceptible to external and internal cyber threats due to the vast attack surface in their applications supply chain and the lack of end-to-end governance and risk management.
The software team must secure its software delivery process to avoid vulnerability and security breaches. This needs to be achieved with existing tool chains and without extensive rework of the delivery processes. This talk will present strategies and techniques for providing visibility into the true risk of the existing vulnerabilities, preventing the introduction of security issues in the software, resolving vulnerabilities in production environments quickly, and capturing the deployment bill of materials (DBOM).
Speakers:
Bob Boule
Robert Boule is a technology enthusiast with PASSION for technology and making things work along with a knack for helping others understand how things work. He comes with around 20 years of solution engineering experience in application security, software continuous delivery, and SaaS platforms. He is known for his dynamic presentations in CI/CD and application security integrated in software delivery lifecycle.
Gopinath Rebala
Gopinath Rebala is the CTO of OpsMx, where he has overall responsibility for the machine learning and data processing architectures for Secure Software Delivery. Gopi also has a strong connection with our customers, leading design and architecture for strategic implementations. Gopi is a frequent speaker and well-known leader in continuous delivery and integrating security into software delivery.
PHP Frameworks: I want to break free (IPC Berlin 2024)Ralf Eggert
In this presentation, we examine the challenges and limitations of relying too heavily on PHP frameworks in web development. We discuss the history of PHP and its frameworks to understand how this dependence has evolved. The focus will be on providing concrete tips and strategies to reduce reliance on these frameworks, based on real-world examples and practical considerations. The goal is to equip developers with the skills and knowledge to create more flexible and future-proof web applications. We'll explore the importance of maintaining autonomy in a rapidly changing tech landscape and how to make informed decisions in PHP development.
This talk is aimed at encouraging a more independent approach to using PHP frameworks, moving towards a more flexible and future-proof approach to PHP development.
Removing Uninteresting Bytes in Software FuzzingAftab Hussain
Imagine a world where software fuzzing, the process of mutating bytes in test seeds to uncover hidden and erroneous program behaviors, becomes faster and more effective. A lot depends on the initial seeds, which can significantly dictate the trajectory of a fuzzing campaign, particularly in terms of how long it takes to uncover interesting behaviour in your code. We introduce DIAR, a technique designed to speedup fuzzing campaigns by pinpointing and eliminating those uninteresting bytes in the seeds. Picture this: instead of wasting valuable resources on meaningless mutations in large, bloated seeds, DIAR removes the unnecessary bytes, streamlining the entire process.
In this work, we equipped AFL, a popular fuzzer, with DIAR and examined two critical Linux libraries -- Libxml's xmllint, a tool for parsing xml documents, and Binutil's readelf, an essential debugging and security analysis command-line tool used to display detailed information about ELF (Executable and Linkable Format). Our preliminary results show that AFL+DIAR does not only discover new paths more quickly but also achieves higher coverage overall. This work thus showcases how starting with lean and optimized seeds can lead to faster, more comprehensive fuzzing campaigns -- and DIAR helps you find such seeds.
- These are slides of the talk given at IEEE International Conference on Software Testing Verification and Validation Workshop, ICSTW 2022.
SAP Sapphire 2024 - ASUG301 building better apps with SAP Fiori.pdfPeter Spielvogel
Building better applications for business users with SAP Fiori.
• What is SAP Fiori and why it matters to you
• How a better user experience drives measurable business benefits
• How to get started with SAP Fiori today
• How SAP Fiori elements accelerates application development
• How SAP Build Code includes SAP Fiori tools and other generative artificial intelligence capabilities
• How SAP Fiori paves the way for using AI in SAP apps
Accelerate your Kubernetes clusters with Varnish CachingThijs Feryn
A presentation about the usage and availability of Varnish on Kubernetes. This talk explores the capabilities of Varnish caching and shows how to use the Varnish Helm chart to deploy it to Kubernetes.
This presentation was delivered at K8SUG Singapore. See https://feryn.eu/presentations/accelerate-your-kubernetes-clusters-with-varnish-caching-k8sug-singapore-28-2024 for more details.
GraphRAG is All You need? LLM & Knowledge GraphGuy Korland
Guy Korland, CEO and Co-founder of FalkorDB, will review two articles on the integration of language models with knowledge graphs.
1. Unifying Large Language Models and Knowledge Graphs: A Roadmap.
https://arxiv.org/abs/2306.08302
2. Microsoft Research's GraphRAG paper and a review paper on various uses of knowledge graphs:
https://www.microsoft.com/en-us/research/blog/graphrag-unlocking-llm-discovery-on-narrative-private-data/
LF Energy Webinar: Electrical Grid Modelling and Simulation Through PowSyBl -...DanBrown980551
Do you want to learn how to model and simulate an electrical network from scratch in under an hour?
Then welcome to this PowSyBl workshop, hosted by Rte, the French Transmission System Operator (TSO)!
During the webinar, you will discover the PowSyBl ecosystem as well as handle and study an electrical network through an interactive Python notebook.
PowSyBl is an open source project hosted by LF Energy, which offers a comprehensive set of features for electrical grid modelling and simulation. Among other advanced features, PowSyBl provides:
- A fully editable and extendable library for grid component modelling;
- Visualization tools to display your network;
- Grid simulation tools, such as power flows, security analyses (with or without remedial actions) and sensitivity analyses;
The framework is mostly written in Java, with a Python binding so that Python developers can access PowSyBl functionalities as well.
What you will learn during the webinar:
- For beginners: discover PowSyBl's functionalities through a quick general presentation and the notebook, without needing any expert coding skills;
- For advanced developers: master the skills to efficiently apply PowSyBl functionalities to your real-world scenarios.
Dev Dives: Train smarter, not harder – active learning and UiPath LLMs for do...UiPathCommunity
💥 Speed, accuracy, and scaling – discover the superpowers of GenAI in action with UiPath Document Understanding and Communications Mining™:
See how to accelerate model training and optimize model performance with active learning
Learn about the latest enhancements to out-of-the-box document processing – with little to no training required
Get an exclusive demo of the new family of UiPath LLMs – GenAI models specialized for processing different types of documents and messages
This is a hands-on session specifically designed for automation developers and AI enthusiasts seeking to enhance their knowledge in leveraging the latest intelligent document processing capabilities offered by UiPath.
Speakers:
👨🏫 Andras Palfi, Senior Product Manager, UiPath
👩🏫 Lenka Dulovicova, Product Program Manager, UiPath
2. 2
SPEAKERS
Robert Johnson
Sr. Director, Visa Rules Management (US), Client
Services
VISA
Mark Bunney
Director of Go-to- Market Strategy
Ingenico, North America
Steven Bowles
Director of Security Solutions
Ingenico, North America
5. VISA’S DISCOUNT OFFER RULE #8590
5
1.5.4.12 Discount Offer – US Region and US Territories
In the US Region and a US Territory: A Merchant may request or
encourage a Cardholder to use a means of payment other than a Visa
Card or a Visa Card of a different product type (for example: Visa
Classic Card, Visa Traditional Rewards Card, Visa Signature Card)
than the Visa Card the consumer initially presents. Except where
prohibited by applicable laws or regulations, the Merchant may do so
by methods that include, but are not limited to:
Offering the consumer an immediate discount from the Merchant’s
list, stated, or standard price, a rebate, a free or discounted product
or service, or any other incentive or benefit if the consumer uses a
particular general purpose payment card with an acceptance brand
other than a Visa Card or other particular means of payment
Offering the consumer an immediate discount from the Merchant’s
list, stated, or standard price, a rebate, a free or discounted product
or service, or any other incentive or benefit if the consumer, who
initially presents a Visa Card, uses instead another general
purpose payment card or another means of payment
6. VISA’S DISCOUNT OFFER RULE #8590 – (CONT.)
6
1.5.4.12 Discount Offer – US Region and US
Territories – (Cont.)
Expressing a preference for the use of a particular general
purpose payment card or means of payment
Promoting the use of a particular general purpose payment
card with an acceptance brand other than Visa or means of
payment through posted information, through the size,
prominence, or sequencing of payment choices, or through
other communications to consumers
Communicating to consumers the reasonably estimated or
actual costs incurred by the Merchant when a consumer
uses a particular general purpose payment card or means
of payment or the relative costs of using different general
purpose payment cards or means of payment
7. VISA’S DISCOUNT OFFER RULE EXPLAINED
A merchant may offer an immediate discount, under the following conditions:
Geographic Applicability:
When located in the US or US
Territory ONLY
7
Alternative Payment Types
Can Be Prompted For:
When the cardholder presents a
VISA card the merchant can ask for
one of the following
Another type of VISA card
Another general purpose
card with an acceptance
brand other than VISA
Another means of payment
Where to apply the
discount:
Merchant’s list price
Stated price
OR Standard Price
8. VISA’S DISCOUNT OFFER RULE EXPLAINED (CONT.)
8
Types of Discounts → Discount can be offered in the form of:
A rebate
A free or discounted product or service
Any other incentive or benefit
Marketing the Discount:
A Merchant may promote the discount offer using signage or through other
communications
Any materials can communicate to the cardholder:
• the reasonably estimated or actual costs incurred by the Merchant when a
consumer uses a particular general purpose payment card or means of
payment
OR
• the relative costs of using different general purpose payment cards or means
of payment
9. COMMUNICATING THE DISCOUNT
Prices must be displayed in either:
NOTE: Showing only the discounted price and increasing it upon payment with a Visa card is a surcharge NOT a discount
Single Visa Price: The price charged when using a Visa Card Dual Pricing: Both the price charged when using a Visa card
AND the discounted price for other payment methods
10. COMMON USAGE – PETROLEUM SALES
Both prices frequently displayed but also cash price shown alone
NOTE: Cash-price only on station billboard is acceptable since card price
is also shown on the Automated Fuel Dispenser
11. IN SUMMARY
11
Ask for a particular type of Visa card, other general
purpose payment card or other payment method
− This only applies in the US Region and its Territories
Conditions for offering a discount
− Can be applied to the Merchant’s list, stated, or standard
price
− Discount can be offered in the form of a rebate, a free or
discounted product or service or any other incentive or
benefit
Promote the discount offer using signage and can
communicate to the reasonably estimated, relative or
actual costs of different payment options
− Acquirers cannot prohibit a merchant doing this
− Acquirers can permit a merchant to accept only Visa
cards
In order to offer an immediate discount, a merchant may:
13. MARKET CHALLENGES
Keep my daily business running while securing transactions
13
Contactless Adoption
Improving the perception:
63% of cardholders don’t trust
that contactless is secure
It’s both secure & improves
the cardholder experience
PCI Compliance
Keeping pace with
evolving Payment
Standard
Security as a Differentiator
Can security be more than just
a cost of doing business
87% of Cardholders consider
security a top attribute
Protecting Cardholder Data
Cardholders demand that
Merchants protect their
Payment and Personal Data
71% will stop shopping at a
merchant if identity is stolen
14. PCI PTS V3 EXPIRATION
14
What does it mean to advance your merchants to a PCI 5x Device?
PCI PTS v3 Approved Devices Expire 30 Apr 2020
• They DO NOT have to be pulled out of service.
• Not possible to update the product with new features.*
Brands restrict sale and deployment after expiry.**
Value of Migrating to PCI PTS v5 Approved Devices
• Protect merchant investments (Approvals good until
2026)
• Actively support the latest features (P2PE,
Tokenization, Contactless, Loyalty, Estate
Management, Stronger Encryption, Remote Key
Loading, etc.)
*https://www.ingenico.us/support/end-of-life-notices
** https://usa.visa.com/dam/VCOM/global/partner-with-us/documents/visa-ped-requirments.pdf
15. WHY MERCHANTS NEED P2PE
P2PE
immediately
encrypts
Cardholder
Data
Cardholder
data
unreadable
in Merchant
Environment
Payment
gateway
decrypts
data for
authorization
15
What is P2PE?
16. WHY MERCHANTS NEED P2PE
16
Every Merchant Needs P2PE!
All transmitted cardholder data must be handled in compliance
with PCI, and P2PE helps by:
• Eliminating the ability for merchants to decrypt cardholder
data flowing through their networks
• Greatly reducing the scope & cost of Merchant Compliance
• Protects the Merchant and their Customers
How P2PE Differs Between Integrated vs Semi-Integrated
• Integrated: card data travels through all elements of the
payment environment before reaching the gateway.
P2PE eliminates risks of exposing cardholder in the Merchant
Environment
• Semi-Integrated: card data is separated from the merchant
environment.
P2PE protects data during transmission to the gateway &
eliminates the need for PA-DSS validation of payment apps
17. 3 THINGS TO KNOW ABOUT P2PE V3.0
17
No major changes to the technical requirements
ISO Opportunity for new P2PE Component Offerings as
part of Encryption Management Services:
POI Deployment & POI Management
Don’t Wait!
P2PE v2.0 and v3.0 both be valid assessment options
for 18 months
18. WAVING IN CONTACTLESS PAYMENTS
Contactless is both secure and improves the speed of transactions
18
Mobile Shutdown
Today’s Banking Apps
make it easy to disable
lost/stolen cards.
Perception
Contactless isn’t trusted by
US consumers
Cardholder Data More Secure
Contactless EMV Cards use
dynamic data
Mobile Contactless uses
payment tokens unique to
each phone
ePickpocketing Not Easy
Card read proximities are
1.5 inches (4 cm)
Reader must be in contact
with the Card 2-5 seconds
20. MARKET TRENDS
Optimizing the checkout is core to delivering a strong in-store experience
Consumers today have little tolerance for friction when shopping in-store,
and they expect to have streamlined options along the path to purchase.
Learn More → http://www.bettercheckoutexperience.com/
21. FROM WHAT WE ARE SEEING IN THE MARKET…
21
New technologies
enabling
Payment &
Business Services
Convergence /
Business Apps / Cloud SW /
Global API’s
Merchants Services
Convergence
ECR / POS Integration /
Financial services
New Consumers
Habits /
Cross channel experience
New way to pay (APM / QR
Code)
Acquiring business
evolution /
PCI/EMV regulations -
Alternative Payment Methods -
eCommerce
22. CHALLENGES
For Consumers vs Merchants
Use an user-friendly payment
solution (as smartphone)
Use multimodal
acceptance options
Pay anywhere, anytime
Pay safely
Propose additional
services
Ensure constant
payments’ security
Reduce overall costs
Preserve the estate at
any time
Enhance checkout
experience
Offer all payment
methods
22
Learn More → http://www.bettercheckoutexperience.com/
23. OPTIONS TO MEET MERCHANTS NEEDS
23
In Lane Smart Terminals
SMB or Enterprise
Mobile + Wireless Smart Terminals
Benefits
• Mobility
• Increased sales opportunities
• Economical EMV options
• Faster checkouts with line busting
• Convenient mobile options
Micro-Merchant, SMB or Enterprise
Tablet/Android-Based Smart Terminals
Benefits
• Familiarity – user interface
• Innovative
• Flexible Business Applications
• Cloud Functionality
• Developer-Friendly
Use Cases and Best Fits
• On premise mobility
• Off-premise mobility
• POS Countertop: Full, Digital Self Services
• Retail, hospitality, service, and more
24. OPTIONS TO MEET MERCHANTS NEEDS
24
Tablet/Android-Based Smart Terminals
Use Case & Benefits
• Business & payment use cases (POS)
• Mobile and stationary use case
• Android Familiarity – user interface
• Developer-Friendly SDK – access to large
developer community familiar with Android
Key Things to Keep in Mind
• Evaluate the use case, market segment, and
customer size for the optimal solution
• Open vs Closed Android platform & versions
• Solution ecosystem available: software &
cloud, EMV cert, validated P2PE, form
factors, ISV support, future proofing, etc.
• Integration flexibility into a third party
hardware (i.e. tablets)
Micro-Merchant, SMB or Enterprise
Mobile + Wireless Smart Terminals
Use Case & Benefits
• Stand alone and mobile solutions (i.e. line
busting, etc.) and companion to other devices
• Convenient mobile options for any customer
need
• Easy integration and SDK support
Key Things to Keep in Mind
• Evaluate the use case and customer for the
best solution (on or off premise)
• EMV pre-certified solution available to reduce
time to market
• Flexibility to meet iOS, Windows and Android
mobile and stationary devices
• Mobile accessory options (stands,
enclosures, charging, etc.)
Micro-Merchant, SMB or Enterprise
In Lane Smart Terminals
SMB or Enterprise
Use Case & Benefits
• In Lane, Self Service & Standalone
• Designed for high volume environments
• Easy integration and SDK support
Key Things to Keep in Mind
• Choosing the optimal solution by use case –
flexibility in form factors and consumer
interaction
• EMV pre-certified solution available to reduce
time to market
• Software lifecycle and ability to support new
consumer interactions
25. KEY TAKEAWAYS
25
✓ Merchant Discounting: Merchants may offer a discount for alternative payment method but the list price must be reduced at the time a
card is presented or show alongside the higher list price before the purchase is made
✓ PCI PTS v3: After April 30, 2020, devices do NOT have to be pulled; however, merchants won’t have access to the latest features that
enhance the customer experience, such as loyalty and contactless and merchants won’t have access to business tools such as estate
mangement.
✓ Android + Smart Terminals: It’s best to understand the use-case and what solution fits best with the customer and merchant needs.
There are different form factors and features → all must be considered for a perfect balance.