2021 Annual Conference Registration Roster 8
Total Page：16
File Type：pdf, Size：1020Kb
Load more
Recommended publications
-
The Only Guide to Surcharging You'll Need
The Only Guide You'll Need for Surcharging According to The Nilson Report, U.S. Merchants are paying nearly $90 billion annually in fees on card transactions that amount to about $6 trillion. As more transactions shift away from lower cost charge cards and checks, the fees paid by merchants will continue to increase. Consumers and businesses alike are hooked on credit cards with high-value rewards programs. Some 92% of all U.S. credit card purchase volume is charged on rewards cards according to estimates from the Mercator Advisory Group, Inc, a payments research and consulting firm. The most generous credit card reward programs carry the highest fees. Therefore the high fees paid by merchants on these transactions pay for the rich rewards offered by the issuing banks. In other words, your margins are paying for someone else's cashback and travel rewards. The Proof is in the Chart This chart by the Kansas City Federal Reserve Bank clearly shows that the interchange fees for rewards credit cards are significantly higher than traditional or non-rewards credit cards. Merchants Go to Court for Relief Tensions between the card networks and merchants are nothing new. Major retailers and other merchants fed up with the ever-increasing fees and restrictive rules filed a class- action lawsuit against VISA and Mastercard to win relief for their beleaguered margins. After years of fighting, a decision by the U.S. Supreme Court required the card associa- tions (VISA and Mastercard) to change their rules to allow merchants the option to add a fee or surcharge to each credit card transaction. -
January 2016 Innovation Grows Where Mpos Goes
JANUARY 2016 INNOVATION GROWS WHERE MPOS GOES The mPOS market in America alone is expected to grow at a CAGR of 51% during the forecast period 2016-2020. That’s largely contingent on prolific growth in the number of mobile phones and the payment methods it enables. However, the length and breadth of mPOS’ potential can be reached only if hardware innovation keeps up with software applications. Mobile point of sale is essential for growing micro- merchants, but the technology isn’t always accessible to them. Verifone’s latest platform could be a case in point to take innovation further and make it accessible where it matters. Erik Vlugt, VP of Global Products at Verifone, recently discussed with MPD CEO Karen Webster how Verifone plans to change the space with the recent release of its new e265 mPOS platform. e265 marks “a continued investment on Verifone’s part in mobile POS in general,” Vlugt said, calling it “one more product in our digital line.” “We are committed to the wonderful world of mPOS -- and that’s not going to change; we see huge growth there globally,” Vlugt added. In this particular case, as Vlugt explained, the e265 is based on a proven platform called the e355, which has been very successful with larger retailers in the market, especially in the integrated space. “We are now taking a lot of those same benefits and features to smaller segments as well,” said Vlugt. “The smaller segments typically have a Verifone payment terminal, which has served them well over time, but in some cases these merchants want to add more functionality to overall customer engagement including things they’re doing on tablets and handheld devices.” These sorts of engagement activities may include loyalty, other commerce applications, things with price checking and so on. -
Merchant Services: Credit Card Policy and Security Standards
Merchant Services: Credit Card Policy and Security Standards Revised: June 2016 I. Policy University of Iowa departments that accept credit cards as a form of payment for goods and/or services must receive approval from Treasury Operations and the University Controller BEFORE purchasing, or contracting for purchase, any systems involved in processing credit card transactions. As a condition of approval, merchants must agree to comply with all requirements of the Payment Card Industry Data Security Standards (PCI-DSS), as well as the University specific controls outlined within this policy. A. Who Should Know This Policy Any individual with responsibilities for managing credit card transactions and those employees entrusted with handling or processing credit card information. This includes budget officers and systems managers. II. Purpose To establish guidelines and best practices for University entities engaging in the acceptance of credit cards. For the purpose of this policy, use of the term "credit cards" shall include the acceptance of cards bearing the logo of a credit card company, such as Visa, MasterCard, Discover, or American Express. Only those units which have received approval from Treasury Operations and the University Controller will be permitted to accept credit cards for payment of goods or services. The ability to accept credit cards comes with significant responsibilities to maintain cardholder security and to mitigate the risk of fraud. The University, and all of its merchants, have a fiduciary responsibility to protect customer credit card information, and thus must adhere to the strict security requirements established by the Payment Card Industry Security Standards Council or face significant financial penalties if a breach or fraud occurs. -
Credit Card 101
Credit Card 101 Jump Start Program First Data Learning Organization Confidential & Proprietary to First Data Corporation Developer: 10 Rev 03/03/2011 V2.0 Agenda – Card Brands – Card Types – The PiProcessing Flow – Selling Merchant Processing – Knowledge Check Confidential & Proprietary to First Data Corporation. 2 Credit Card’s 5 Major Brands • Visa Credit Cards ‐ credit cards issued by Financial Institutions that are members of Visa, cards carry the Visa Logo on the front of the card. • Master CdCard Cre dit CCdards ‐ cards idissued by Financ ia l IiiInstitutions that are members of MasterCard, cards carry the MasterCard logo on the front of the card. • American Express Credit Cards ‐ cards issued by American Express Financial Services, or their partner Financial Institutions, cards carry the American Express logo on the front of the card. • Discover Credit Cards ‐ cards issued by Discover Financial Services, or their partner Financial Institutions, cards carry the Discover or Novus logo on the front of the card. • JCB Credit Cards (Japanese Credit Bureau) ‐ cards issued by Financial Institutions (usually foreign Financial Institutions), cards carry the JCB logo on the front of the card. The common characteristic associated with each type of credit products: • Each credit instrument used to make the purchase/payment is associated with a line of credit that must be repaid to the issuing financial institution. Funds are not pulled out of a Bank or Government funded account. Confidential & Proprietary to First Data Corporation. 3 What Do They Mean By Card Typ e? Type of Card – Type refers to the card presentdted by the consumer at the time of purchase. -
This Document and the API That It Describes Are Deprecated
This document and the API that it describes are deprecated. Authorize.Net’s legacy name-value-pair API is still supported, however it will not be updated, except for critical security updates. To learn when this deprecated API will reach its end of life, and for information on upgrading to our latest API, read the Upgrade Guide. You can find the full Authorize.Net API documentation at our Developer Center. Title Page Advanced Integration Method (AIM) Card-Not-Present Transactions Developer Guide September 2017 Authorize.Net Developer Support http://developer.authorize.net Authorize.Net LLC 082007 Ver.2.0 Authorize.Net LLC (“Authorize.Net”) has made efforts to ensure the accuracy and completeness of the information in this document. However, Authorize.Net disclaims all representations, warranties and conditions, whether express or implied, arising by statute, operation of law, usage of trade, course of dealing or otherwise, with respect to the information contained herein. Authorize.Net assumes no liability to any party for any loss or damage, whether direct, indirect, incidental, consequential, special or exemplary, with respect to (a) the information; and/or (b) the evaluation, application or use of any product or service described herein. Authorize.Net disclaims any and all representation that its products or services infringe upon any existing or future intellectual property rights. Authorize.Net owns and retains all right, title and interest in and to the Authorize.Net intellectual property, including without limitation, its patents, marks, copyrights and technology associated with the Authorize.Net services. No title or ownership of any of the foregoing is granted or otherwise transferred hereunder. -
Cybersource Merchant Account Guide
CyberSource Merchant Account Guide March 2008 CyberSource Contact Information Please visit our home page at http://www.cybersource.com. To contact CyberSource Support, call 1-866-203-0975 (Pacific Time), Monday through Friday between 6 AM – 5 PM (excluding holidays). Copyright © 2008 CyberSource Corporation. All rights reserved. CyberSource Corporation ("CyberSource") furnishes this document and the software described in this document under the applicable agreement between the reader of this document ("You") and CyberSource ("Agreement"). You may use this document and/or software only in accordance with the terms of the Agreement. Except as expressly set forth in the Agreement, the information contained in this document is subject to change without notice and therefore should not interpreted in any way as a guarantee or warranty by CyberSource. CyberSource assumes no responsibility or liability for any errors that may appear in this document. The copyrighted software that accompanies this document is licensed to You for use only in strict accordance with the Agreement. You should read the Agreement carefully before using the software. Except as permitted by the Agreement, You may not reproduce any part of this document, store this document in a retrieval system, or transmit this document, in any form or by any means, electronic, mechanical, recording, or otherwise, without the prior written consent of CyberSource. Restricted Rights Legends For Government or defense agencies. Use, duplication, or disclosure by the Government or defense agencies is subject to restrictions as set forth the Rights in Technical Data and Computer Software clause at DFARS 252.227-7013 and in similar clauses in the FAR and NASA FAR Supplement. -
Past MPC Companies @Pay LLC 123WIRING 1Sale 3Cinteractive 7
Past MPC Companies @Pay LLC 123WIRING 1Sale 3Cinteractive 7 - Eleven AARP Abc Media Network ABnote Abrinix IT Consulting ACCEO Solutions Acceo Tender Retail Access One Inc Accu Search Acculynk ACI Worldwide, Inc. ACT Canada Active Activewave Parking ActPay AdGent Digital ADN ADS ADT Advanced Data Systems Affinion Group Affirmative Technologies, Inc African Communication Services Aite Group ÄKTA Alcatel-Lucent AlixPartners Allegiant Systems Alliance Data Allied Fiber Allstate Allstate Insurance AllthatSoft Alternet Systems, Inc. Amadeus Amalgamated Bank of Chicago Amazon Development Center Amazon.com, Inc. American Banker American Collection Systems, Inc. American Express American Network, Inc. AmeriMex Communications AMT Consumer Services AnchorFree Angola Payment Systems, SA ANPI Antares Computer Systems AnyWhere Commerce AP Technology Apac & Cala Apex Merchant Services, Inc AppGage, LLC Apriva Arbinet Arent Fox LLP Argentina Arrivalist Arroyo Consulting LLC Artinsoft Corp Arvidson Consulting Arxan Technologies Asemca Associates Inc Asemca Telecom Associates(Si Gimbel) AT & T At Home ATS Mobile Augmentum, Inc. Avaya Averon B2 Banco Popular Bank Innovations Bank News Bank of America Merchant Services Bankcard Services BanZoo Barclaycard Barclays Barcode Media Group, Inc Bernstien BerryReview Best Buy Bill 2 Pay Bill to Mobile Bill2Pay, Intuition Systems Inc. Billguard Bio Track Thc Blackboard Inc. Blackhawk Network Bluefin Payment Systems Bluesky BlueStar Inc BlueWave Communications BMO Braintree Bravo Tip or Pay Breakaway Communications Breaking Banks Brian Brands Bridelwood Consulting Business Channel Strategy Business Insider Business InSight Radio Show Business Solutions, ISR Business Technology Solutions cac ltd Cafe Caio Chicago Call Nonce Cambridge Merchant Capital Group Capgemini Capital Investment Capital One Card Payment Solutions Cardlytics CardPlus Payment Systems, LLC CARDPRINTING.US Casablanca Ventures Cashier Live Castle Technology CBIZ CBS Television CCS usa Celent Centene CENTRAL BANK OF TRINIDAD & TOBAGO Century Payments CEWE Stiftung & Co. -
Tokyo 100Ventures 101 Digital 11:FS 1982 Ventures 22Seven 2C2P
Who’s joining money’s BIGGEST CONVERSATION? @Tokyo ACI Worldwide Alawneh Exchange Apiture Association of National Advertisers 100Ventures Acton Capital Partners Alerus Financial AppBrilliance Atlantic Capital Bank 101 Digital Actvide AG Align Technology AppDome Atom Technologies 11:FS Acuminor AlixPartners AppFolio Audi 1982 Ventures Acuris ALLCARD INC. Appian AusPayNet 22seven Adobe Allevo Apple Authomate 2C2P Cash and Card Payment ADP Alliance Data Systems AppsFlyer Autodesk Processor Adyen Global Payments Alliant Credit Union Aprio Avant Money 500 Startups Aerospike Allianz Apruve Avantcard 57Blocks AEVI Allica Bank Limited Arbor Ventures Avantio 5Point Credit Union AFEX Altamont Capital Partners ARIIX Avast 5X Capital Affinipay Alterna Savings Arion bank AvidXchange 7 Seas Consultants Limited Affinity Federal Credit Union Altimetrik Arroweye Solutions Avinode A Cloud Guru Affirm Alto Global Processing Aruba Bank Aviva Aadhar Housing Finance Limited African Bank Altra Federal Credit Union Arvest Bank AXA Abercrombie & Kent Agmon & Co Alvarium Investments Asante Financial Services Group Axway ABN AMRO Bank AgUnity Amadeus Ascension Ventures AZB & Partners About Fraud AIG Japan Holdings Amazon Ascential Azlo Abto Software Aimbridge Hospitality American Bankers Association Asian Development Bank Bahrain Economic Development ACAMS Air New Zealand American Express AsiaPay Board Accenture Airbnb Amsterdam University of Applied Asignio Bain & Company Accepted Payments aircrex Sciences Aspen Capital Fund Ballard Spahr LLP Acciones y Valores -
Choosing a Vendor to Process Your Online Transactions
Choosing a Vendor To Process Your Online Transactions By Delilah Obie workz.com To process online orders, you must offer online payment options. The most widely used form of payment currently is the credit card. Marketing studies show that you'll lose 60 percent to 80 percent of your potential orders if your Web site is not set up to accept credit cards; they also show that if you offer credit card payment, not only will you receive more orders, but those orders will be substantially larger. Credit cards enable impulse buying, reassure customers of your legitimacy, and simplify your billing. Other methods of collecting payment are becoming available and include charging purchases to a phone bill, using electronic funds transfers (EFT), paying by electronic check and various forms of prepayment. Each of these methods requires payment processing either in the form of software added to your Web site or by linking to a payment processing service. Understand Merchant Accounts and Their Fees To accept credit cards, you must establish a merchant account, a special bank account for handling the revenue (and fees) from credit card transactions. Your merchant account provider (MAP)—a bank or other institution that processes online credit card transactions—will verify the credit card, process the transaction, and deposit the results into your account, usually within two to four days. Evaluate Alternative Online Payment Methods Credit cards still reign as the leading method of payment for online purchases, but other payment options are available. Your product and your customers' buying preferences will influence which payment methods you accept. -
Comment on Dodd-Frank Act Title VIII
To whom it may concern, The purpose of this correspondence is to bring your attention to what I believe is an unregulated and unjust section of the credit card industry. Today’s credit card system has many protections in place for the customer, the card issuer and the Merchant Account Processor, but there is no protection afforded to the merchants. Towards this end, I would like to see Federally enacted legislation that would grant some protection to the merchants of the United States through regulation and over-sight of the Merchant Account Processors. This legislation might be called The Merchant’s Rights Act. Merchants, in order to be able to process customer credit card sales, must secure a “Merchant Account”. A Merchant Account serves as an interface between the VISA & Mastercard Association, the customer and the merchant. When the customer uses their credit card, they in effect secure a “loan” through the card issuer and the VISA & Mastercard Association in order to make a purchase. Hence, Federal and State banking laws are applicable to this business. The “merchant account” portion of the business is given the authority, through the powers of the VISA & Mastercard Association, to deposit monies from the aforementioned loan, into the account of the merchant. The Merchant Account Processor charges the merchant a sign-up fee, a monthly service fee, a percentage of each sale, a transaction fee and sometimes, a batch fee in addition to rental or purchase costs of transaction equipment. Internet merchants usually are charged higher fees for this service under the guise that they are using a high-risk transaction format, that is, allegedly, rife with theft. -
Pdfdo U.S. Consumers Really Benefit from Payment Card Rewards?
Do U.S. Consumers Really Benefit from Payment Card Rewards? By Fumiko Hayashi ayment card rewards programs have become increasingly popular in the United States. Nearly all large credit card issuers offer re- Pwards to customers for using their cards, as do more than a third of depository institutions for using debit cards. Recent surveys suggest that many consumers now receive rewards.1 And rewards are becoming more generous and diversified, ranging from 5 percent cash-back bo- nuses for gasoline purchases, to free airline miles, to gifts to charity. But do consumers really benefit from rewards? In the United States, rewards are paid for primarily by the fees charged to merchants, and merchants may pass on the fees to consumers as higher retail prices. Further, some regulators and analysts claim that rewards may send con- sumers distorted price signals, which in turn may lead consumers to choose payment methods that are less efficient to society. Card networks and merchants have taken opposing sides in the rewards debate. Card networks claim their fee structures, including re- wards, are crucial to achieving the right balance between merchant ac- ceptance and consumer usage of their cards. Rewards can also reduce the total costs to society by inducing more consumers to switch from Fumiko Hayashi is a senior economist at the Federal Reserve Bank of Kansas City. This article is on the bank’s website at www.KansasCityFed.org. 37 38 FEDERAL RESERVE BANK OF KANSAS CITY costly payment methods, such as checks, to less costly payment cards. Merchants benefit as well, they claim, because rewards card users make higher-value transactions than other consumers. -
Why Merchants Keep Failing to Protect Card Data Fines
May/June 2018 www.isoandagent.com Why merchants keep failing to protect card data Fines. Bad publicity. Class actions. Are any of these penalties severe enough to stop data breaches? 001_ISO050618 1 4/24/18 4:16 PM Your Payment Partner of Choice E800 E500 E600 A920 Smart Retail Solutions Introducing PAX’s new Smart Retail Solutions. Sleek designs that make them look more like a tablet than a payment terminal. PAX has launched an application management platform for resellers and partners to manage applications with the PAX Smart Retail Solutions. US Headquarters: Regional O ce: 4901 Belfort Road, Suite 130 40 West Baseline Road, Suite 210 Jacksonville, FL 32256 Tempe, AZ 85283 +1-877-859-0099 | [email protected] +1-877-859-0099 | [email protected] © 2017 PAX Technology Limited. All Rights Reserved. PAX’s name and PAX’s logo are registered trademarks of PAX Technology Limited. All other products or services mentioned in this advertisement are trademarks, service marks, registered trademarks or registered service marks of their respective owners. pax-smart-retail-iso&agent.indd002_ISO050618 2 1 4/23/20184/23/18 5:10:10 8:02 AMPM Contents 10 Why merchants fail to protect data Are the incentives for protecting card data so lopsided that merchants feel little need to do more? Or is it wrong to ask merchants to fix the faults in a payment card ecosystem they had little hand in creating? Processing Cards Processing 04 14 20 An African startup builds on bitcoin A cryptocurrency debit card looks Why Verifone needs to be taken Bitpesa’s founder saw bitcoin as the next past the card networks’ limits private, despite its turnaround big thing, and stuck with her plan even The idea of a crypto debit card has been Verifone has worked hard to recover as the craze around cryptocurrencies done before — and in some cases, has from its self-inflicted wounds.