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Secure Payment Processing With EMV

April 11, 2017

Retailers and merchants in the U.S. are slowly but surely moving to EMV, the chip card standard that requires new payment terminals at the point of sale. Named after the card schemes Europay, MasterCard and Visa, EMV requires buyers to use a card with a microprocessor chip that stores cardholder account data. Unlike the magnetic strip on traditional cards, the chips create a unique transaction code that is useless to cyberthieves attempting to intercept transaction data.

To process EMV chip cards, merchants need specialized payment terminals capable of processing chip information. Motivation for businesses to move to EMV-ready systems came in October 2015, when the EMV liability shift happened. Businesses that are not set up to accept EMV chips cards are now solely liable for fraudulent activity, which puts the business at risk.

Conversion has been slow, as only 37 percent of merchants—mostly large retailers—were EMV-ready last year, according to TSG analysts. For the merchant, having a road map to conversion will minimize upheaval, avoid business disruption and ultimately protect the business from fraudulent activity that can result from noncompliance.

To help solution providers extend their reach, Ingram Micro provides a portfolio of products and services to ease the EMV changeover. These services have one goal in mind: to help you provide a holistic solution to your merchant, keeping them a step ahead of the criminals.

EMV PIN Pads and Readers
Since EMV cards are dipped vs. swiped, old card readers can’t do the job. And not every new EMV card reader is compatible with every POS system. Be sure to check compatibility with a merchant’s POS system and processor before upgrading the card reader technology. Two popular EMV-ready options are the Verifone MX915 and the Ingenico iSC Touch 250.

Wireless Assessments
One of the goals of EMV is to keep the card in the customer’s hand at all times, for secure payment. Understanding that, stores and especially restaurants will need to adopt mobile EMV readers that connect wirelessly. This method requires the restaurant or merchant to have full Wi-Fi location coverage, with no dead spots.

To help solution providers determine where upgrades may be needed at a client site, Ingram Micro offers infrastructure assessments to check the coverage area within one or multiple locations. At the end of testing, the merchant receives a detailed heat-map report and results that show levels of wireless coverage, along with a remediation plan to ensure all of the merchant’s wireless devices can function properly out on the floor and maintain a connection.

PCI Compliance Scanning
Payment Card Industry Data Security Standard (PCI DSS) is a set of policies and procedures that optimizes the security of credit, debit and cash card transactions and protects cardholders against misuse of personal information. For solution providers and their merchants, staying compliant with PCI DSS standards means taking steps to protect the transaction workflow and restrict access to data from outside intruders and internal employees. Ingram Micro provides PCI compliance scanning that provides detailed pass/fail results.

Asset Disposition Services
The move to EMV means older payment terminals need to be destroyed, as they can contain stored—and confidential—customer transaction data. Since this can be a liability to the business and to the solution provider, Ingram Micro provides asset disposition services, which includes secure disposition of de-installed legacy POS devices. Available services include de-installation and asset removal from the premises; on-site data erasure and destruction; packaging and palletizing; asset processing; de-manufacturing and recycling; and issuance of a Certificate of Destruction.

Installation and Deployment Services
As a solution provider, you may not have the time or geographical reach necessary to help merchants deploy complex PCI/EMV-compliant payment systems. Ingram Micro can deploy, install and test new and more secure POS devices and terminals on-site. These services can supplement installation services provided by the solution provider. The Ingram Micro deployment services can be geographically diverse, with multisite solution rollouts.

Key Injection Services
Every payment device needs key injection for it to function once deployed. Key injection is the secure process that loads instructions onto the device (credit card terminal or reader) so it knows who to communicate with and where to send the payment. Payment processors, which facilitate the payment between a customer and the business, give out the key to a business when they sign up to do processing. Injecting a payment device with a key gives it the ability to accept credit and debit cards and also add encryption functionality, such as point-to-point encryption. To assist solution providers in this process, Ingram Micro provides key injection services, which are completed at a secure Ingram Micro facility.

Learn more about Ingram Micro's portfolio of products and services that can ease the EMV changeover. Visit www.ingrammicroadvisor.com/payments or contact one of our specialists at dcpos@ingrammicro.com.