Hypercom Equinox Credit Card Terminal Problems

Recently, Hypercom or Equinox credit card terminals have come to their EOL or end of life, due to firmware needing to be updated, when possible.  The firmware version is no longer able to allow processing.  If the Hypercom  Equinox credit card terminal will allow for a firmware update and it takes the update, one is in the clear.  The terminal typically stops processing after a restart or power cycle.  If one receives an error it may say something like, “Security Error” or “CA signing expiration in 0 days call for service”.  Call you processor immediately to see if the firmware can be updated.  Holds times have been lengthy for all processors, as this firmware/EOL affects all providers of credit card processing.

If one has a hypercom or equinox credit card terminal, please consider upgrading to an EMV machine, unless you are a hotel/motel with a folio processing file “check in/check out”.

EMV is more secure than magnetic stripe processing, provides fraud protection for the merchant, and allows for additional forms of payments to be accepted, such as Apple pay.

 

If you are considering upgrading to EMV, you may consider contacting us at DonUp.  We have been using the EMV credit card terminals since 1/1/2013 and have gathered valuable experience that we can pass along to help avoid any pitfalls for your business.  We have the right EMV credit card terminal solution for your business, whether you are a retail business or a restaurant.  Give us a call at 877.651.1655 and we will help discover what EMV solution is best for your business.

NFC on the new iPhone 6 & 6 Plus + Apple’s Mobile Wallet Apple Pay

Apple takes NFC mainstream on iPhone 6; Apple Watch with Apple Pay

Apple will help consumers say buh-bye to plastic credit cards with the NFC-enabled iPhone 6, iPhone 6 Plus, and Apple Watch using its new mobile payment service Apple Pay.

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Apple introduced its NFC-based mobile payment system Apple Pay for the iPhone 6.

Apple wants to turn your iPhone 6 and Apple Watch into a virtual wallet that could eventually replace the old plastic card sitting in your real wallet.

Apple announced Tuesday at its September 9, product launch in Cupertino, Calif., that it is finally joining the ranks of companies, such as Google, that have tried with lackluster success to get consumers to buy things with their phones, by introducing its own mobile payment offering.

After years of speculation, the company is finally including the short-range wireless technology known as near field communications or NFC into its latest smartphone, the iPhone 6 and the bigger iPhone 6 Plus. It also announced a new digital wallet called Apple Pay, which can be accessed securely using its fingerprint Touch ID technology introduced in the iPhone 5S.

Apple’s new Apple Watch will also be equipped with NFC, which will enable older generations of the iPhone, specifically the iPhone 5, iPhone 5s and iPhone 5c to work with Apple Pay.

Apple announced Tuesday it’s partnering with Visa, Mastercard, and American Express along with several issuing banks to allow iPhone users to store their credit card accounts. Apple Pay will be available in 220,000 US merchant locations that already take mobile payments via the NFC’s short range, secure wireless capabilities.

Apple has also worked with other retailers, including Macy’s, Walgreens, Duane Reade, Staples, Subway, McDonald’s, Disney, and Whole Foods, among others to bring Apple Pay to physical store locations. At McDonald’s it’s even adding Apple Pay to the drive-through, Eddy Cue, senior vice president of Internet software and services, said during the presentation. Disney is expected to have all of its retail locations outfitted with Apple Pay by Christmas.

Apple’s Cue also said that Apple Pay will be integrated with several apps including, the car service Uber, a food app from Panera, Major League Baseball’s app, which will allow you to order tickets from your phone, and Open Table, which will allow you to pay your bill from your iPhone 6 or iPhone 6 Plus. Apple will also be making an API available in iOS 8 to allow other app developers to integrate Apple Pay into their applications.

Users will be able to fund the Apple Pay mobile wallet using the credit cards and debit cards they already have on file in iTunes. To add additional cards, users can take a photo with the phone, go to bank to verify that it’s your card, and it’s added right to Passbook, Cue said.

APPLE ANNOUNCES IPHONE 6, IPHONE 6 PLUS, AND APPLE WATCH
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Mobile Payments

Mobile payments, or paying for things using a mobile phone or a mobile app, is a natural progression for Apple, as the company expands its business beyond the traditional smartphone and tablet market into new areas. Apple already stores credit card account information for 800 million customers to allow them to easily buy digital music, books, TV shows, movies and apps via its iTunes store. Expanding this payment process into a digital wallet, which virtually stores these credentials and can be accessed to buy physical goods, can be viewed as an extension of this capability.

Apple CEO Tim Cook said during the presentation that Apple’s vision is to replace a wallet, and more specifically to replace antiquated, plastic credit cards. Cook noted that there are more than 200 million credit card and debit card transactions processed per day in the U.S. with consumers spending more than $12 billion every day between credit cards and debit cards.

“That’s over $4 trillion a year,” he said. “And that’s just in the US.”

He went on to explain: “This whole (payment) process is based on this little piece of plastic,” he said. “We’re totally reliant on the exposed numbers and the outdated and vulnerable magnetic stripe interface, which is five decades old.”

Apple hinted at a mobile payment solution earlier this year. On an earnings call with analysts in January, Apple CEO Tim Cook said he was intrigued by the idea of a mobile payment service using Apple’s Touch ID feature as part of the implementation to secure access to the credit card information.

“Apple isn’t trying to get rid of credit cards entirely,” said Jason Oxman, CEO of the Electronics Transaction Association “But what they are are trying to do is disrupt is the plastic credit card with that magnetic strip. Using NFC tied to your iTunes account, you can simply pay by tapping your device.”

How it will work

The way Apple Pay will work is that users will be able to simply tap their devices outfitted with a small NFC chip that stores its payment credentials on a payment terminal in the checkout aisle at a number of different merchants. This will allow the store to access the customer’s credit card payment credentials so the credit card account can be charged.

When iPhone 6, iPhone 6 Plus and Apple Watch users make a payment, these credit card accounts will be charged, just as a credit card account is charged when someone makes a purchase in Apple’s iTunes music store. Following an already emerging trend in the payments industry, Apple will be using what’s known as tokenization technology to add another level of security to the transaction.

The way tokens work is that they replace the static 16-digit card numbers that appear on the front of a credit card and indicate a customer’s account number with a dynamically changing and complex code that is transmitted between devices to identify accounts. The benefit of using tokens is that even if they are intercepted by a fraudster, they are rendered useless in the next transaction, because they are constantly changing.

It’s not surprising that Apple would see potential not just in payments but in the mobile payments market specifically. According to Gartner, the global market for mobile payments is forecast to be about $720 billion worth of transactions by 2017. This is up from about $235 billion last year.

Still, other big companies, such as Google and three of the four major wireless operators in the US, have launched mobile payment services using the hardware-based NFC solution that have seen mediocre success at best.

Google was first to market three years ago with its Google Wallet service, which also uses NFC-enabled handsets to securely transmit credit card information between the device and a point of sale terminal in the check-out line of a retailer. The idea behind Google Wallet was to not only store credit cards but also store loyalty cards and coupons as well as leverage location information to send offers and promotions to customers. While the idea itself sounded great, a year after launch Google Wallet only worked with one credit card and bank combination. And it was only available on one wireless network: Sprint.

Meanwhile, three of the four major US wireless carriers — Verizon Wireless, AT&T, and T-Mobile — formed a joint venture to offer a similar kind of NFC-powered mobile-payment service. After a year-long trial period, the service, named Isis, launched across the nation in November with help from high-profile partners such as Coke and Jamba Juice, which offered freebies for early adopters. In July, Isis had to go dark to change its name, which too closely resembled the terrorist group Islamic State of Iraq and Syria, also known as ISIS. It’s now known as Softcard.

The mobile payment solutions offered both by Google and the wireless carriers has been stymied by a few issues. For one, the NFC technology used to enable Google Wallet and Softcard must be available on the mobile device as well as at the point of sale terminal used at the merchant. And second, in order to even store these credentials on phones, the companies enabling the wallets needed to have arrangements with credit card companies and banks.

For Google, the hurdles were difficult to get around since it does not manufacture its own devices. This meant it not only needed to convince merchants to upgrade their terminals, but it had to get device makers to include the NFC technology in the devices. This wasn’t so hard given that companies like Samsung saw other uses for NFC. But even when handset makers included the NFC chip on their devices, it was up to the wireless carriers whether that functionality would be enabled. And AT&T, Verizon, and T-Mobile shut out the Google Wallet functionality.

As a result, Google shifted gears and revamped the service, turning it into a cloud-based app that stores credit card and loyalty card credentials in a secure Internet based service rather than on the device itself. Google Wallet still uses the NFC tap-and-pay functionality to access the cloud-based credentials, but because the information is stored remotely it also means that Google Wallet users can also access it through other password-secured Google services, such as Gmail.

Apple: In a class all its own

Just because other companies have failed to make a splash with mobile payments doesn’t mean that Apple will meet the same fate. Apple’s strength has historically been taking technologies that have been invented and used by other companies and refining them. The company then packages those technologies in such a way that the service is easy to use and appealing to millions of users.

“Apple didn’t invent the smartphone or the tablet,” Oxman said. “They weren’t the first to offer mobile apps. But they raised consumer awareness of these products and services and they packaged it better than anyone else.”

Apple’s golden touch could do the same for mobile payments and the beleaguered NFC technology that Apple will use to deploy the service. For one, Apple is using its existing base of iTunes accounts to allow people to fund their “wallets” using any credit card. This is a huge advantage since that was a major stumbling block for Google as well as the wireless operators.

“Consumers that have used NFC mobile payments have liked it,” said Randy Vanderhoof, executive director of the Smart Card Alliance. “But they haven’t liked not being able to use any payment card they want in their mobile wallet. Apple’s wallet overcomes this challenge by letting consumers’ use the card of their choice through their iTunes account. It’s a smart move and a big win for NFC.”

Apple is also launching this new service at just the right time. In addition to getting consumers to buy devices that are NFC-enabled and making sure that they can access the service and link it to any credit card, another important piece of the puzzle is ensuring that merchants have the right equipment at check-out to accept the payment.

Apple may have chosen to launch its solution now since the payments industry is in the middle of a major transition to upgrade merchants’ point-of-sale machines, so that they can accept the more secure token-based EMV (Europay, MasterCard and Visa) chip technology. Credit cards that use the EMV chip technology have an embedded microchip in them that the scanner reads instead of a magnetic strip. It’s this chip that generates the unique tokens that are used to route transactions instead of static account numbers that are offered in the older magnetic strip cards that most US consumers currently use.

The move to EMV requires that merchants replace their point of sale terminals. In an effort to speed the process, the payments industry has put a deadline of October 2015 for this upgrade.

“From an acceptance perspective, the timing is really good for merchants,” Vanderhoof said. “Many are already looking to install new POS terminals to accept EMV chip cards, so they can also look at enabling NFC acceptance at the same time. Both features are available on most POS terminals shipped today.”

New life for NFC

The fact that Apple is using NFC to enable mobile payments, instead of another technology, could give mobile payments a big boost, analysts say. The company has a massive user base of iPhone users as well as the 800 million credit card account numbers stored in iTunes. It has also quietly built the foundation to its mobile-payment service in Passbook, an app introduced two years ago in its iOS software and released as a feature with the iPhone 4S. Passbook has so far served as a repository for airline tickets, membership cards, and credit card statements. While it started out with just a handful of compatible apps, Passbook works with apps from Delta, Starbucks, Fandango, The Home Depot, and more. But it could potentially be more powerful.

And the iPhone’s fingerprint sensor, which Apple obtained through its acquisition of Authentec in 2012, could serve as a quick and secure way of verifying purchases, not just through online purchases, but large transactions made at big-box retailers such as Best Buy. Today, you can use the fingerprint sensor to quickly buy content from Apple’s iTunes, App, and iBooks stores.

“No one can change consumer behavior like Apple,” Vanderhoof said. “This move will make the market for mobile payments explode. And it is a great endorsement of NFC technology as the best way to secure mobile payments.”

 

Read More: http://www.cnet.com/news/apple-adds-nfc-to-iphone-6-with-applepay/

Banks and Retailers Move on the Chip for Credit Cards

Banks, Retailers Speed Up Drive to Add Chips to Credit, Debit Cards

Data Breaches Spur Effort to Boost Security; End of the Swipe?

GLEN ALLEN, Va.— Morgan Montgomery inserted a credit card into a device, pulled it out and tried to pay for her groceries. But the transaction failed because she didn’t realize the card was supposed to stay in the machine while she signed for the purchase.

“I don’t like letting go of it,” she said of the card. “I’m worried about leaving it behind.”

Ms. Montgomery, a 30-year-old business owner from Richmond, Va., was one of 10 consumers who swiped, dipped, tapped and fiddled their way through imaginary purchases earlier this month as part of research being conducted by MasterCard Inc.MA +1.98% into new credit cards that are coming to American wallets in an attempt to combat fraud.

EMV Contactless Card on Ingenico 1CT

The push for the new cards is taking on greater urgency following a number of high-profile data breaches in recent months that have exposed millions of consumers to potential fraud. Just last week, grocery chain Supervalu Inc. SVU +2.15% disclosed that it was investigating a breach that could affect shoppers at roughly 1,000 supermarkets.

Major lenders, regional banks and credit unions are rolling out the new cards, which contain a computer chip in addition to the traditional magnetic strip on the back. Merchants, too, are installing new terminals at the cash register to accept the cards.

The Supervalu incident follows a rash of other breaches, from the massive hack atTarget Corp. TGT +1.51% during last year’s holiday shopping season to smaller ones at restaurant chain P.F. Chang’s China Bistro Inc. and Goodwill Industries International Inc. thrift stores.

In all, U.S. lenders will issue more than 575 million chip credit and debit cards by the end of 2015, representing roughly half of the one billion cards now in circulation, according to an industry-group projection.

Chip cards have been used widely in Europe, Asia and Canada for years. But they have been slow to take hold in the U.S., in part because of a “chicken-and-egg” battle between the card industry and merchants. Businesses didn’t want to invest in new technology until the card companies issued the plastic to consumers, while the card companies didn’t want to give them to customers until there was a place where they could be used.

Now, the breaches are making both sides eager to roll them out. Bank of AmericaCorp. BAC +1.45% , the nation’ second-largest credit-card issuer after J.P. Morgan Chase JPM +0.80% & Co., and regional lender SunTrust Banks Inc. STI +0.94%are among the institutions now putting chips on plastic sent to new customers or existing customers whose cards are expiring.

“By the time we get to holiday shopping, there will be a good base of chip cards in the market,” said Carolyn Balfany, who is overseeing MasterCard’s transition to chip cards.

Merchants, too, are upgrading the computer terminals at the cash register to accept the new cards. Wal-Mart StoresInc. WMT +0.74% is using the technology at more than 4,600 of its nearly 5,000 stores in the U.S. and expects to have the rest upgraded by the end of the year, according to a company spokesman.

Each transaction made with a chip card has a unique code attached to it, reducing the chance that stolen card data can be used to make counterfeit plastic. Such cards likely wouldn’t have prevented the hacking at Target, but the card data would have been useless to thieves, experts say.

U.S. credit-card-fraud losses totaled roughly $18 billion last year, according to Javelin Strategy & Research, a consulting firm that is a unit of Greenwich Associates. About a third of those losses are attributed to the counterfeit cards, according to consulting firm Aite Group.

The new cards come with changes to the basic way people are accustomed to paying for purchases. Although the cards still have a magnetic strip on the back to be used at merchants that haven’t upgraded their technology, the computer chips don’t work with a swipe at the register. Instead, shoppers slide the card into the bottom of the terminal and leave it there while the purchase is processed.

“It’s going to take some patience and time with the merchants’ staff and the customers that are making the purchases,” said Mike English, executive director for product development at Heartland Payment Systems Inc. HPY +1.55% The Princeton, N.J., company, which processes transactions on behalf of merchants, is training its customers to use the new equipment.

 

Some of the new credit cards also may require shoppers to enter a personal identification number instead of a signature. That was one of the trickiest changes for Canadians who weren’t accustomed to having a PIN for their credit cards, said Ellen Richey, vice chairman of risk and public policy at Visa Inc. V +1.92%

“Consumers aren’t used to it, they don’t remember it and they don’t think they need it. Then all of a sudden, they are at the cash register and can’t remember their PIN,” she said.

To ease the way for U.S. consumers, the card industry will be flooding mailboxes and websites in coming months with information about how to use the new cards. Some card terminals at the cash register will prompt shoppers through the transaction process and issue a series of beeps to remind them to remove the card at the end.

MasterCard recently tested consumer reaction to the cards at focus groups in St. Louis and Towson, Md. At the focus group earlier this month, consumers were escorted into a conference room to test a number of ways to use a chip card.

Ms. Balfany and a few members of her chip-transition team watched and took notes on consumers’ reaction from the other side of a two-way mirror.

After answering questions about how they typically pay for purchases, the consumers were given a chip card and led to two terminals where they were guided through a series of imaginary purchases. A few were initially uncertain about where to insert the card or how long to leave it in the device, but sailed through the process on the second or third try. Nearly all of them liked a process in which they tapped the card on the terminal’s screen.

Said Jerry Greenway, 67 years old, from Richmond, Va.: “If it helps make the cards more secure, I’m all for it.”

Read More: http://online.wsj.com/articles/banks-retailers-speed-up-drive-to-add-chips-to-credit-debit-cards-1408377051?KEYWORDS=ROBIN+SIDEL

Credit and Payment Security: a cycle of good news and bad news

It was good news. In July 2013, federal prosecutors in the United States brought indictments against members of a sophisticated Russian syndicate. The gang members were charged with stealing and selling more than 160 million credit card numbers from JCPenney, 7-Eleven, JetBlue, Heartland Payment Systems, Carrefour (in France), and one of the world’s largest credit and debit processing companies. The thefts could be tracked back to 2005, according to The New York Times, and had resulted in hundreds of millions of dollars in losses. Unfortunately, th e indictments were not effective and the same group is suspected of participating in the security breaches of Target, Michaels, and Neiman Marcus companies just a few months later.

Adopting the Europay, MasterCard, and Visa Standard

The continued and very public success of hackers and the ever-increasing cost of fraud losses, fraud management, and fraud-related expenses spurred the United States credit payment industry to change the way it does business. After decades of resisting the Europay, MasterCard, and Visa (EMV™) standard for credit payments, which is generally believed to be more secure than our current payment system, the industry is adopting it. It’s an action many believe is long overdue. According to a BusinessWire.com article in August 2013, it stated The Nilson Report, a leading payment industry newsletter, provided an overview of card fraud around the world:

“The U.S. accounted for 47.3% of global card fraud losses but generated only 23.5% of total volume… The absence of EMV cards and terminals in the U.S. also contributes to fraud losses. The U.S. is the only region where counterfeit fraud continues to grow consistently… EMV adoption would not only help U.S. issuers but also issuers in other parts of the world that must continue to put mag-stripes on their cards to accommodate point-of-sale terminals in the U.S…”

The good news is change in finally on its way. The bad news is it may take longer than expected. Some estimates project the majority of U.S. merchants will be EMV compliant by 2016, but many analysts believe that goal will be reached closer to 2018.

What is EMV?

EMV was developed in the 1990s after a study commissioned by the European Council for Payment Systems, and conducted by Europay International, determined the most effective way to reduce credit card fraud was to eliminate magnetic stripes (mag-stripes) and embed chips in credit and debit cards. In a Capgemini document, published early 2014, it stated:

“…Magnetic stripe cards, which store sensitive customer data unencrypted on the rear magnetic stripe, have been found to be vulnerable to various frauds such as skimming and counterfeiting. Chip-based EMV cards store customer data on a chip in encrypted format and are less vulnerable to fraud. This led to increased EMV adoption in several regions across the world.”

In the United Kingdom, the introduction of EMV cards is credited with helping reduce fraud significantly. Counterfeit card fraud fell by 75 percent after peaking in 2008, and fraud losses have fallen by 75 percent since 2004.

Eighty countries around the world already have implemented or currently are implementing EMV technology. For instance, about 95 percent of card readers in Europe; 79 percent in Canada, Latin America, and the Caribbean; 77 percent in Africa and the Middle East; and 51 percent in the Asia Pacific region are EMV compliant. In fact, if you’ve traveled overseas recently, you may have encountered the EMV standard. It’s a source of frustration for American travelers who find their mag-stripe credit cards won’t work in train station kiosks and are not accepted by some retailers.

Ironically, even criminals prefer the EMV standard. The going rate on the black market for an American credit card number is $10. A European card number, on the other hand, will fetch about $50. According to The Washington Post, there are two reasons for this. First, American card numbers are easier to get. Second, when used in the United States, European cards are no more secure than mag-stripe cards because American retailers do not adhere to the EMV standard. Couple this with the fact European banks are slow to process transactions on weekends and criminals can enjoy a spending spree.

An Evolving Industry

The good news is EMV should make card payments in the United States more secure. The bad news is payment systems are not static. As the popularity of mobile devices has grown so has the popularity of mobile banking and commerce. Some consumers already have embraced mobile applications that allow them to use smart phones or tablets to pay for goods and services.

The growth of mobile payments is expected to accelerate and change the way business is done around the world. Gartner, the world’s leading information technology research and advisory company, estimates global mobile transaction volume will grow by 35 percent on average from 2012 to 2017. The company’s forecast suggests the mobile payments market will comprise 450 million users and will be worth more than $720 billion – a number that was reduced during 2013 because of lower-than-expected growth in North America and Africa – before the end of the decade.

Protect Yourself Against Fraud

Of course, a new payment system means new hardware and security solutions. Mobile payment security will depend on application configurations as well as security measures taken by smart phone and tablet users. If you use or plan to use your mobile device for banking or commerce, make sure you take basic safety precautions:

• Protect your mobile devices using complex passwords

• Download an app for finding a lost device and/or disabling it

• Only download apps from trustworthy sources

• Check app reviews and ratings before downloading them

• Only bank or shop over secure Internet connections (not public Internet connections)

• Make sure the web address begins with https (indicating you have a secure connection) before sending data

The good news is American consumers will have lots of choices when they want to make purchases. The bad news is it can be challenging to stay abreast of new technology and the security measures it requires.

Posted on July 16, 2014  shelburnenews.com

 

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Most U.S. credit cards to be EMV-enabled by 2016

Most U.S. credit cards to be EMV-enabled by 2016

41% of debit cards likewise will have embedded chips

Most U.S. credit cards to be EMV-enabled by 2016

By the end of 2015, 70% of U.S. credit cards and 41% of U.S. debit cards will be EMV enabled, says Aite Group.

Rising counterfeit card fraud is a key reason why the EMV business case now works for U.S. issuers, as credit card fraud rates doubled to 10 basis points, or 10 cents out of every $100 transacted from 2007 to 2014.

Debit card fraud is also experiencing rapid rates of increase, so the fraud problem, combined with a number of other factors, has prompted a liability shift in the U.S. market. Other contributing factors include the increasing difficulty that U.S. cardholders have in using their magnetic stripe cards overseas, the desire to accelerate the U.S. terminal infrastructure upgrade to facilitate NFC-based mobile payments technology, and the decreasing cost of chips and terminals.

Aite Group predicts the EMV-enabled card issuance process will ramp up in the fourth quarter of  2014, with eight of 18 issuers interviewed beginning general issuance to the public by the end of 2014 and three additional issuers beginning general issuance by the end of the first quarter of 2015.

Aite Group finds that the majority of card issuers are choosing to initially issue contact-chip rather than dual-interface cards; drivers of this decision are cost, a desire to keep the initial deployment as simple as possible, and a belief that the merchant infrastructure will not yet be ready to support contactless transactions in any great scale by the liability shift date.

“Taking the world’s largest card market from mag stripe to EMV is a massive undertaking,” says Julie Conroy, research director in Retail Banking at Aite Group.

“The 17 months before the liability shift takes effect will pass by quickly, though, and issuers, based on lessons learned from other countries, should consider issues like fraud migration paths and how to counter them, as well as how to educate the consumer and merchant alike on chip cards. They should also consider using third-party expertise, already deployed in the EMV migration of other countries, to streamline the implementation process and help with the knowledge transfer.”

In a new report, Aite looks at the migratory experiences of five countries that preceded the United States in adopting the EMV standard: the United Kingdom, Australia, Brazil, Mexico, and Canada. It also describes the United States’ path to EMV based on interviews with top U.S. issuers and payment networks and makes a series of recommendations for U.S. issuers based on the lessons learned from other countries.

COMMENTS by DonUp

EMV will reduce fraud according to many reports by the way each individual transaction is run and the fact that duplicating the cards will be difficult.  EMV enabled terminals as of October 2015, will provide relief to business owners regarding fraud, lost, stolen, and non-activated cards.  There will be a liability switch to the issuing bank, as long as the retail merchant has an EMV enabled credit card terminal.

We are still hoping for some relief for merchants that are non-retail or ecommerce.  As the liability ship only applies to retail businesses where EMV acceptance is enabled.

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