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BluePay Blog

How Cognitive Technology is Changing Payments and Payment Security

Posted on May 18, 2018
Technology has forever changed payments and how we conduct transactions, both as businesses and as consumers. It's advancements in technology that are moving a world from paper currency to digital transactions. And, it's devices, like smartphones, that are convincing more people to change how they buy things.  Yet, as we know, online and mobile payments are not convincing for everyone. And, that's because of the continual news about fraud and data hacking. With payment security still a concern, we return to technologists to help us out. Cognitive technology is one potential strategy that is now being further developed that could be the game changer for payments and payment security. Here's why.
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Topics: Payment Technology, Payment Trends

Are Social Payments for You?

Posted on May 10, 2018
Paying through Facebook Messenger began over four years ago. It signaled a new way to make payments that have since spread to other social media platforms like Snapchat. Now, you can even make a payment through Skype. Due to the use of mobile devices and the instantaneous expectations of today's consumers, it's no wonder that social payments have exploded.
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Topics: Partner Posts, E-Commerce and Online Payments, Payment Technology, Small Business Tips, Payment Trends

Litecoin Versus Bitcoin: What are the Differences?

Posted on May 04, 2018
Introduced in 2009, Bitcoin was the world’s first-ever cryptocurrency.  It isn’t backed by any government. It’s not subject to banking regulations. It’s not controlled by any organization.  Instead, Bitcoin is a decentralized, digital currency that users can trade anonymously peer to peer. All transactions are encrypted and recorded in a public ledger, making Bitcoin largely immune to hacking or fraud. 
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Topics: E-Commerce and Online Payments, Payment Trends

How Quick is Quick Chip?

Posted on May 02, 2018
There’s a reason why the EMV credit card standard has been adopted globally. These chip-enabled cards are far more secure than their mag-stripe counterparts.  Whereas magnetic stripes are relatively easy to clone and forge, EMV cards are not. This makes in-store retail fraud more difficult. For a transaction to process successfully, the security chip must be physically present at the point of sale. 
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Topics: EMV, Payment Technology, PCI Compliance and Fraud Prevention, Payment Trends

Should You Use Messaging Chatbots for Service, Transactions and Support?

Posted on Apr 30, 2018
Chatbots are one of the latest technologies companies are adding to their list of tools. This technology helps to automate workflow and interaction with customers. It may seem challenging to replace part of the human component of the customer experience; however, chatbots seem to be working for many brands. And, the biggest benefit is using chatbots as a solution for customers who want immediate responses.  Here's what they are, how they can be used, and why you should consider this technology for your business.
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Topics: Partner Posts, Payment Technology, Payment Trends

What is PIN on Glass Technology?

Posted on Apr 24, 2018
As a brick-and-mortar retailer, it doesn’t take much to begin accepting credit cards. All you need is a merchant account and terminal — and you’re good to go.  Despite how easy it is to get started, an estimated 55 percent of small businesses throughout the U.S. don’t take plastic. They simply can’t justify the upfront cost of installing expensive credit card readers at every checkout counter.  For them, accepting cash is both easier and cheaper. 
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Topics: EMV, Mobile Payments, Payment Technology, PCI Compliance and Fraud Prevention, Payment Trends

The Rise of B2B Digital Payments

Posted on Apr 18, 2018
Digital payments have grown rapidly as a preferred payment option among consumers, but not so quickly among businesses. Often slow to advance to new technologies due to lack of knowledge about the benefits, business owners stick with their tried and true payment methods like checks, cash, and credit cards.  Over the course of the last few years, the B2B payments space has expanded. According to Deloitte, global B2B payments are set to reach $23.1 trillion by 2020. With that growth, businesses still want to make sure they are getting the best services, pricing, and security for those transactions. 
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Topics: ACH/eCheck Payments, B2B, E-Commerce and Online Payments, Payment Trends

6 Benefits of Dropping the Signature Requirement

Posted on Apr 12, 2018
Swipe-and-sign is one of the most time-honored rituals in retail. When customers are ready to make purchases, they:  Swipe the credit card in a POS reader Receive a printed time-stamped receipt Put their John Hancock on the signature line  On April 13, most major credit card brands will remove the signature requirement at the point of sale. Mastercard and Visa are phasing out this step across North America, while American Express is eliminating the signature requirement worldwide.
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Topics: EMV, Payment Trends

Addressing Women's Payment Preferences

Posted on Apr 10, 2018
When it comes to purchases, women are often the decision-makers in the household. That's because they typically do many of the tasks that require making a purchase. This includes groceries, gifts, school clothes and supplies, and more. The research provides insights into the differences in how women choose to pay for what they buy. Knowing these differences can help you improve customer experiences and know what type of payment methods to offer.
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Topics: Partner Posts, E-Commerce and Online Payments, Small Business Tips, Payment Trends

What Does the Rise of AI Mean for Banking, Investing, and Economic Development?

Posted on Apr 06, 2018
According to Hollywood, bad things happen when society hands over decision-making power to machines. From the Terminator to the Matrix to I, Robot, the big screen is filled with dystopian tales about artificial intelligence (AI) wiping out the human race.  In truth, we’re already surrounded by AI. To wit:  Satellites can position themselves without human intervention. Traffic lights rely on sophisticated, real-time algorithms to keep us safe. Self-driving cars can navigate crowded roads with fewer accidents. 
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Topics: Financial Institutions, Payment Technology, Payment Trends

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