The US payment landscape is changing dramatically. EMV, contactless/NFC and mobile payments are all buzzwords bringing new challenges and opportunities to parking operators and manufacturers who will have to tackle the technology shift and consider how to deploy various solutions across their infrastructures. This presentation looks at the importance of multi-channel payment processing, the impact of EMV on the parking sector and how to deal with it.

1. Payments Innovations and EMV:
What does it mean for
the US parking industry?
Jeremy Gumbley
CTO, Creditcall
June 3, 2014

2. The Latest Payments Innovations
• It’s been a long journey but Chip
is finally coming.
• So is Contactless.
• US-issued EMV cards do exist!
Booth #916
www.creditcall.com
Jeremy.gumbley@creditcall.com
Linkedin.com/in/jgumbley

3. • Why is Chip important?
• Why is Contactless important?
(NFC and Mobile Phone Payment)
The Latest Payments Innovations
Booth #916
www.creditcall.com
Jeremy.gumbley@creditcall.com
Linkedin.com/in/jgumbley

4. Insights on EMV
and what it means for parking operators
and manufacturers
• Customer experience –
what changes?
• Card is inserted for the duration
of the transaction rather than
being swiped or dipped briefly.
• Dip and wait, rather than dip & read.
• Chip and PIN? (No CVM in unattended)
Booth #916
www.creditcall.com
Jeremy.gumbley@creditcall.com
Linkedin.com/in/jgumbley

5. Insights on EMV
and what it means for parking operators
and manufacturers
• Transaction timings – slower
than a mag stripe transaction
due to EMV transaction
dialogue.
• Online authorizations are more
or less the same speed.
Booth #916
www.creditcall.com
Jeremy.gumbley@creditcall.com
Linkedin.com/in/jgumbley

6. Insights on EMV
and what it means for parking operators
and manufacturers
• Modular devices for parking – choose which
transaction types and CVMs you want to support by
adding a PIN pad and contactless reader.
VERIFONE UX INGENICO iSELF
Booth #916
www.creditcall.com
Jeremy.gumbley@creditcall.com
Linkedin.com/in/jgumbley

7. Insights on EMV
and what it means for parking operators
and manufacturers
• Expense – how much more expensive is an EMV-
enabled card reader than a standard mag stripe
reader?
Booth #916
www.creditcall.com
Jeremy.gumbley@creditcall.com
Linkedin.com/in/jgumbley

8. How to Overcome
Technology Hurdles
• “The Manufacturers’ Dilemma” –
Buy vs. Build (go it alone and
develop an in-house solution or
buy off-the-shelf)
•Is it worth it for a manufacturer to
build their own solution?
Booth #916
www.creditcall.com
Jeremy.gumbley@creditcall.com
Linkedin.com/in/jgumbley

9. How to Overcome
Technology Hurdles
• PINpad and Processor certification
combinations – time required
and regular ongoing
certifications every few years.
• Pre-certified solutions – ready
to go and off the shelf with
popular unattended devices like
the UX and iSelf.
Booth #916
www.creditcall.com
Jeremy.gumbley@creditcall.com
Linkedin.com/in/jgumbley

10. How to Tackle Increased Complexity
and Cost of PCI DSS Compliance
• Most PINpads incorporate P2PE –
another layer of security to provide the
strongest level of transactional security.
• Tokenization – reuse cardholder data
without having to store it.
• PA-DSS is not required when a pay
station or meter is using a P2PE enabled
PINpad or reader.
Booth #916
www.creditcall.com
Jeremy.gumbley@creditcall.com
Linkedin.com/in/jgumbley

11. If you have any questions,
come and see us at booth #916
or visit www.creditcall.com/ChipDNA
Jeremy Gumbley
CTO
Creditcall Corporation
1133 Broadway, Suite 706, New York, NY 10010
jeremy.gumbley@creditcall.com
jeremy.gumbley