Card Skimming/Shimming 101 – Protect your Business and your Customers

Card Skimming/Shimming 101 – Protect your Business and your Customers

With the advancements in technology, it’s just a matter of time before your business could become a victim.  Everyone who works with credit card and/or chip readers in any capacity should be aware of skimming threats and be watchful.  It could cost your business thousands and it may be someone right under your nose.

The card skimming wave was active this week in Oklahoma where the waitress was fortunately caught by her manager.  Read the full story here.  By the way, the waitress DID have an adverse background that would have been found had they run a background check.

The new era of thievery is now called “shimming”.  The thieves are inserting ultra thin circuit boards through any card slot to read EMV card details from inside the device.

What is the difference between skimming and shimming?

Skimming is recognized as fraud that “skims,” the information off the magnetic strip on a credit or debit card.

Shimming refers to an attack that captures data by tapping directly into the EMV chip.

7 Tips to Protect your Business:

  • Inspect card and chip readers regularly in and around the card slot
  • Background every employee dealing with credit cards and payments
  • Trust your instincts when it comes to your employees
  • Look into pay-at-the-table or mobile devices and software to take credit card data out of scope
  • If you must write down credit card data, protect it by locking it securely away
  • Inspect for hidden cameras or unrecognized devices
  • Ensure your host network is checking card verification codes of both magnetic strip/chip-based transaction authorization processes

7 things to Protect Yourself:

  • Trust your gut.  Rely on your instincts.  Know your surroundings
  • When in doubt, don’t use the ATM or hand your card over to a cashier
  • Make sure your card stays in sight. Never let anyone walk away with your card
  • Use your credit card instead of your debit card.  Don’t use your PIN unless you have to
  • Not all ATMS are equal. Be particularly careful in a tourist areas
  • Use NFC or contact pay, Apple Pay, Android Pay or Samsung Pay (payment tokens). Always monitor your accounts
  • Be aware of transactions that force your card to use the magnetic stripe

We have your safe-guarded practices in mind always.  Remember, trust, but always verify.  For ideas to help safeguard your devices, call Card Systems now for all your POS, Credit Card Processing  and Equipment & Software needs.

A World Without Receipts – Can You Imagine?

A World Without Receipts – Can You Imagine?

Is it time you considered adding a Signature Capture Device?

It may be closer to reality than we might expect.  There are key chemical components utilized in receipt paper that are low in supply and high in demand.

Why?  An estimated 80K factories have been fined, shut down or hit with criminal offenses due to the Chinese Government’s renewed enforcement of environmental regulations.

There has been a buzz in the air that there is a global thermal paper shortage.  Paper vendors continue warning about the imminent price increases and shortages.

We know how critical it is for you to have a reliable supply of thermal paper at a reasonable price, and we will do everything within our power to assist through this paper shortage.  The reality is that there will be price increases, and paper will need to be allocated and rationed at times.

For Best Practices and help during this shortage, here are some things you may wish to consider:

  1. American Express, Discover, MasterCard & Visa are no longer requiring signatures on credit card charges. So unless you have tips to consider, turn off the credit card signature receipt, or better yet, enable signature capture on your devices.
  2. Take advantage of and emailing or texting receipts to your customers. This is a big win because you can retain your customer’s data for future promotions, and have a positive impact on the environment
  3. Remember to Offer Pay at the Table in restaurants
  4. Take advantage of guest self-pay options (apps, kiosks, etc.)
  5. Use Signature Capture PIN pads

The new signature capture devices have become more affordable in every industry. These devices save you money by empowering you to electronically accept payments at the table, through a Kiosk or even through your phone.  You also will reduce paper consumption by sending payment requests electronically through apps that automate the checkout process.  It couldn’t be a better time to adopt these simple to use technologies to go paperless and save!

SmartPhone Users find Mobile POS Easy to Use

SmartPhone Users find Mobile POS Easy to Use

Training and motivating a multi-generational workforce has never been easier. Your entire staff from Gen X to Millennials (Generation Y) will now find it a breeze to learn and use Mobilebytes POS.  This simple to use, cloud based POS system for restaurants use iPad’s in the front and back of the house. 

Almost everyone is utilizing smartphones now and you or your managers can easily log in from your smartphone, laptop, or anywhere you have an internet connection to manage your restaurant.   Menu modifications, daily specials or staff additions can be made instantly, tracked and recorded to run your business more profitably and efficiently.  

9 Simple Tips to keep your menu and guest experience fresh

Software updates are in the app store – Legacy POS software updates required time, a support technician and installation. MobileBytes software updates are available through the app store.  Just navigate to the update and run as easily as you would any other app, you are now in control!

Menu images can be taken and uploaded direct from your SmartPhone – It’s as easy as tap, click and upload, just like Instagram!  Upselling your specials has never been easier.  Snap a pic on the fly via your smartphone and upload your revised menu in the blink of an eye.

Locating your customers – MobileBytes POS offers Smart Search.   The auto-fill function found in all smartphones is in MobileBytes, too.  Query a customer and find an address.  What a great time saver!

Delivery drivers use a map app and deliver more meals – Do your delivery drivers need driving directions?  Do they go to a map app on their smart phone to get there?  What general delivery area do you cover?  Enable maps through the MobileBytes POS system to set delivery parameters and send driving directions to your delivery drivers.

iPhone users get message alerts for new email, message or news alert – Smartphone users sign up for alerts of all kinds.  MobileBytes sends out alerts when a new takeout order is received, when an order is ready for pickup or when a new order is sent to the kitchen, to name a few.  No more waiting in line to see who’s order is next up; MobileBytes POS will tell you!

Organizing your restaurant is easy – In most restaurants, you have to accommodate parties of all sizes.  Simply drag available tables together on the MobileBytes screen and reconfigure seating in an instant.  Your host will also see the new layout without being in the room to see which tables are available.

Settings on your iPhone give you flexibility with your devices – Use the same settings app on the MobileBytes POS to make adjustments to control your devices.  Turn your iPad into a kitchen display with a simple swipe.

Text Communication – Simplify communications with your customers through the MobileBytes texting feature.  Use the iPad text feature to notify your waiting guests their table is ready, or a takeout order is ready for pickup.  You can even notify your customers driving by (with our beacon technology) that you have a special going on.

Reboot with the home button – Restaurant owners who know the horror of rebooting a POS during service will truly appreciate the simplicity of a MobileBytes cloud POS restart. Tap the home button twice, swipe up, and you’re back in business. No waiting or calling tech support required.

Want to learn more?  Click here or call 866-207-3298 to schedule a MobileBytes product demo today!

Be informed, Only YOU can prevent a VPNFilter attack

Be informed, Only YOU can prevent a VPNFilter attack

Today, you are going to be an informed consumer.  Routers are weak points.  The VPNFilter is dangerous.  But we are here to help you.

It is unrealistic to expect home users and small business proprietors to become security experts.

Reputable router manufacturers do equip their devices with security features.  You have to sign up for the necessary automatic updates so your router is maintained though.

Think safety when it comes to your home and business and moving forward you will be able to easily defeat vulnerabilities from this day forward.

Even if your router was not on the released “at risk device list,” take this opportunity to realize there are mobile-management tools available and configuring your router has become easier.  Take advantage of the advanced features.  Utilize the step-by-step process and perform maintenance and you will not become a statistic.

Choose a router that offers security.  A router with Wi-Fi Protected Setup (WPS) let’s you add compatible devices with the push of a button.  For a more secure connection, use Wi-Fi Protected Access (WPA or WPA2), which requires entering a password for EACH device. Routers with WPA-Enterprise security offer the highest level of security.

The technology currently used to assign static IP addresses known as Internet Protocol iPv4 will eventually be replaced with iPv6.  The iPv4 is a 32-bit address scheme running out of addresses due to the number of devices connecting to the internet.  iPv6 has 128-bit scheme which offers an almost infinite number of IP addresses.   Make sure you get a router that has built-in support for iPv6; and verify this so you are ready for the transition when iPv4 finally hits the wall.

Future proof your home and small business now; and pay up front for a router that is enterprise level.  Amazon is a great resource to utilize and compare prices.  Send us an email if you want to know what features to look for.

Gift Cards Are the Perfect Gift

Gift Cards Are the Perfect Gift

Regardless of what the reason or for any season; gift cards are the perfect gift.

On the off chance that your business doesn’t offer gift cards, it might be the ideal opportunity for you to think about it.  Retail and restaurants alike benefit immensely.

With Mother’s Day just around the corner, what better way to show your appreciation than with a gift card?

Have you ever at any point received a gift that just didn’t fit?  So what do you do with it?  Do you set it aside someplace where it will never be used again?  Do you re-gift?  We have all been there.  Be a trendsetter.

Gift cards are also the perfect marketing tool to get people into your business. Get creative, if someone spends $25.00 in your establishment give them a $5 gift card to come back and shop. If you’re a restaurant, consider discounting a $50 gift card to $45 that really makes the purchaser feel as if though they are getting more bang for their buck.

As a business owner another thing to consider is what is known as breakage. Breakage is when the business sells a gift card that doesn’t get redeemed Talk about, “FREE MONEY”!  This happens more than you think.

Gift cards are no longer just your standard plastic cards. Of course that is one way to sell them, but now businesses can take advantage of technology and sell them on their website, Facebook and even via text.

Even more reasons to offer gift cards:

  • Customers shopping with gift cards are less price–sensitive and often pay full price
  • Compete with national brands
  • Create new business and increase sales today
  • Reward your current customer with a gift card. Visible gift cards can increase sales by 35%-50%

In addition to Mother’s Day coming up, you’ve got Graduations, weddings, baby showers and birthdays, etc. Consider offering gift cards in your business.

No matter who your target market is from Baby Boomers, Gen X or Millenials gift cards are the most sought after gift.

With that in mind, give us a call and we can help with a simple, economical solution for your business to carry gift cards or even a loyalty program……Look for yourself.

A Year to Remember

A Year to Remember

Some people say the past 12 months has reminded them of the apocalypse. Wild fires in the west, an earth quake in Mexico and Oklahoma, Hurricane Harvey and Irma leaving a wide path of destruction throughout Texas and Florida, Hurricane Maria totally devastating Puerto Rico, flooding in the west and Hawaii, mudslides in California, blizzards and multiple nor’easters, just to name a few. All this leaves desperate people in the wake of these catastrophic disasters to pick up the pieces and rebuild their lives. Property owners will more than likely have to rely on out-sourcing the rebuilding and repairs.

We want to make sure you’re aware that in most states, and especially the State of Florida, there are building and compliance codes that contractors need to follow. Make sure the company you hire is licensed and bonded before they start any type of repair so as not to negate your insurance claims.

ARE YOU HIRING ADDITIONAL STAFF TO HANDLE THE INCREASED WORKLOAD?   

Do your due diligence and background the influx of new hires you plan on recruiting for the busy months ahead.

Our sister company, eGuarded can help by not only offering license verifications but also background screening for new and existing employees. Simply click on this link to get started.  No Monthly Fees, No on Going Fees you just pay for when you use it.

CONTRACTORS, ARE YOUR PROSPECTS HAVING A HARD TIME MEETING THEIR DEDUCTIBLE?

Have you considered offering a finance program? These programs can bridge the gap between insurance claims and out-of- pocket expenses. They also allow your “credit challenged” customers to finance your products and services at no risk to you. This can dramatically increase your sales by giving your customers an alternate means of payment, especially in the case of an emergency.

Finance programs give your customer a completely unsecured loan option. By offering multiple financing sources, you will increase the chance of your customers getting approved for financing the first time. This will reduce how often you have those awkward decline conversations!

Consumer Finance Benefits to your Customers: 

  • Quick loan amounts up to $60,000
  • Approvals when others say no
  • A second chance while rebuilding credit

Consumer Finance Benefits to your Business: 

  • Low merchant rates
  • Full payment made directly to your office
  • No Setup Fee, No Minimums and No Monthly Usage Fee
  • Average 6 out of 10 declines approved
  • No Collection Headaches
  • Simple website integration

Look for a program that allows for instant decisions that fund quickly to increase your bottom line.  Do what your competitors aren’t doing in your market area and see the results. Simply click here for more financing information.

Financing helps your business grow by turning your prospects into customers!