News & Events

Ten steps to EMV

The US EMV liability shift has arrived. From 1st October 2015, if you’re a US retailer taking card present payments but haven’t upgraded your POS to EMV, you now face taking the hit from chargebacks resulting from counterfeit transactions involving a chip or smart card. 

Card issuers are ahead of the curve – by the end of 2015, 50% of cards will bear the chip that puts the fraudsters on the back foot. Processors have upgraded their tech to make sure their systems can handle the additional data transfer. And many of the big retailers have already rolled out their EMV POS systems, giving fraudsters cause to look elsewhere…

EPOS on a budget: be part of the revolution

Welcome to the Age of Affordable EPOS

Today, you can set up an electronic point of sale (EPOS) system that will wow your customers and slash your admin, for as little as $2,000. Add the monthly costs of processing electronic payments, and a software subscription and you’re good to go.

Fast moving checkout queues, great customer service and incentive schemes, slick management tools, automated and integrated business processes are all within the grasp of any small to medium business taking payments at point of sale.

Product Spotlight: Spectra T1000

Tailwind are pleased to announce that we now support the Spectra T1000 payment terminal with a bespoke PEDPack to ensure seamless and invisible mounting at the Point of Interaction.

Spectra’s new generation T1000 payment terminal has a powerful 32-bit ARM9 CPU to ensure fast and reliable payment from credit and PIN-based debit to EMV smart cards transactions. With a PCI PTS V3.X certification and international certifications including FCC/CE/CCC, PBOC & EMV Level 1 & 2, MasterCard PayPass, Visa PayWave, TQM, the terminal more than meets industry standards.

MasterCard recommend plastic stands for contactless payment terminals

MasterCard have made explicit their recommendations for contactless payment terminals in their PDF ‘MasterCard PayPass best practices for merchants’. There is a clear emphasis on physically securing the terminal at Point of Sale:

“The reader should be installed in a permanent, stable fashion to prevent it from being knocked around and damaged.”

And it’s not just the security of the Point of Sale which is affected. They also recommend plastic stands over metal stands.

Are you ready for the PCI DSS deadline?

From the 30th June 2015 it becomes mandatory to physically protect payment terminals and PIN pads at Point of Sale. Any business taking ‘card present’ payments has to comply with the PCI Data Security Standards and requirement 9.9 is now in full force.

Non-compliance opens up businesses to the risk of fines of up $200,000 in the event of a data breach, a sobering prospect for any organisation. And breaches are relatively frequent: in 2014, according to Verizon there were a total of 79,720 security incidents across 61 countries with 2,122 confirmed data losses. The major card brands have systems in place to report suspected data security breaches, they deploy PCI Forensic Officers (PFOs) and impose fines.

Head Office: Tailwind Solutions Limited,
                     Castle Business Centre,
                     Queensferry Road,
                     Pitreavie Business Park,
                     Dunfermline,
                     Fife KY11 8NT 
                     UK
tel: +44 (0)1383 661237
email: info@tailwind-solutions.com

Tailwind Solutions Limited is registered in Scotland. Company Registration SC 306824.

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