In the news, we hear of security breaches from large retailers that credit card data is exposed and thus stolen. This data is then posted on the dark web to be sold to others that will try and use these credit card numbers for fraudulent purchases. Not all of the credit card numbers are still valid and usable. The fraudsters will go or call an unsuspecting business looking to purchase expensive items that can later be fenced and converted to cash.

Most people know that money isn’t clean but they also forget that their credit cards pass through just as many hands as the dollars and coins in their wallet. Likewise, the many touchpoints on a terminal—such as inserting a card, entering a PIN, and signing—heighten the need for a cleaner payment experience. Luckily, with contactless payments, proper sanitization, and other helpful tips, a cleaner way to pay is possible.

Upgrade time has come for any merchants, (or anyone), still using Windows 7. As of today, January 14th, 2020, Windows 7 will no longer receive security updates.
What this means for you is a far less secure system then Windows 10. I encourage you to research upgrading your systems to Windows 10.

The good news here is that Microsoft is still giving out free upgrades to Windows 10, you will just need to have a valid Windows 7 license to upgrade. Information for the upgrade can be found in the link below.
Windows 10 Upgrade

Call us to find out how we can help your business make and keep more money with First Coast Payments. Call 904-567-8612 or email info@firstcoastpayments.com.
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#creditcardprocessing #fernandinabeach #jacksonvillefl #nassaucountyflorida #pointofsale Cash Discount Point of Sale System

Why use a local service rep for your credit card processing? Because when you go elsewhere they don’t look out for you. Here is another example. Worldpay charges, disclosed in fine print, anger small U.S. merchants. Read more at Worldpay charges, disclosed in fine print, anger small U.S. merchants

Based on where we are now, it is not hard to see we are almost there.  Not so fast! This month (Feb 2019) New Jersey’s legislature passed a bill requiring merchants to accept cash at the point of sale. Several big cities, including New York, are considering similar measures. The Philadelphia City Council on Thursday (2/14/19) passed an ordinance that would prohibit most stores from refusing to accept cash or charging cash-paying customers a higher price, according to Philly.com, a news site affiliated with The Philadelphia Inquirer.

When you need help and you call a service provider, only to get an automated system. Don’t you hate that! The machine is asking you what are you calling about and doing its doing its best to “pigeon hole” the reason for your call? If you by chance choose the wrong option, you will not get a real live person. It will spit out some general info.  Do you get the feeling don’t want to talk to you?

Are you looking for a way to still accept credit cards, but not having to deal with the large monthly expense? Now you can thru a legally vetted cash discount program. Unlike surcharging, cash discounted program is allowed in all 50 states and is compliant with all federal laws and card processing regulations. It can be applies to all card types, debit and credit cards.

Just as sure as spring weather and flowers are blooming, it’s time you may be “hosed” by your credit card processing service provider.  This is because it is the time of year the card brands release and adjust the interchange fee schedule. When this happens, many of the credit card processing companies will use this as an excuse to adjust their fees. 

In the aftermath of the EMV liability shift, the major trend in payment security has been the migration of fraud from card-present situations to the online world. EMV technology has been very effective at fighting card-present fraud, and as a result nearly every store that has adopted EMV has seen plummets in fraud. As overall EMV adoption increases, fraud decreases.