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BluePay Blog

From Chip-and-Pin to Chip-and-Skin

Posted on Jun 25, 2018
Over the last few years, chip-and-PIN has been heralded as the gold standard in payment security. These EMV credit cards come with embedded chips that are next to impossible to clone. To initiate an in-store payment, customers must input a personal identification number (PIN) that only they know.  Additionally, mobile payments and wearable technologies continue to grow in popularity every year. In fact, experts predict that annual in-store sales generated through smart devices could exceed $500 billion by 2020 — in the United States alone. 
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Topics: EMV, Mobile Payments, Payment Technology, PCI Compliance and Fraud Prevention, Payment Trends

7 Things ISVs Need in a Payment Partner

Posted on Jun 07, 2018
As an independent software vendor (ISV), clients expect you to create functional applications that deliver specific benefits to end-users. This delivery must be seamless across a broad range of devices and operating systems.  It’s no longer enough to make powerful applications that work. Clients increasingly demand secure payment tools that integrate seamlessly with the products you deliver. As an ISV, this requires choosing a payment partner that can provide both the technology and support you and your clients need.
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Topics: Software and Payment Integration, PCI Compliance and Fraud Prevention, BluePay Partners, ISV/VAR

What is a White Hat Hacker? A Day in the Life

Posted on Jun 05, 2018
As a business owner, getting hacked is one of the worst things that can happen.  Whether for financial gain, revenge or pure joy, bad actors exploit vulnerabilities in your IT infrastructure — and they now have access to your sensitive data:  They do this to steal information (such as credit card numbers). They hold your data hostage until you pay a ransom of some sort. They simply corrupt your system for no reason. 
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Topics: PCI Compliance and Fraud Prevention, Small Business Tips, Enterprise Business Tips, ISV/VAR

7 Steps to Keep Credit Cards Secure on Vacation

Posted on May 30, 2018
Losing your credit card usually isn’t a big deal. If one of your cards is lost, stolen or somehow compromised, your bank will send you a replacement ASAP.  Many card issuers also provide fraud protection so you’re not personally liable for any unauthorized purchases.  In fact, the algorithms used to monitor fraud are so good that your bank might contact you to verify purchases that “seem” out of character. If you use your card primarily for grocery shopping and gas stations, for example, a sudden weekend shopping spree at the neighborhood electronics store might raise red flags. 
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Topics: EMV, PCI Compliance and Fraud Prevention, Fun Posts

Visa's New Chargeback Rules

Posted on May 22, 2018
In the retail world, chargebacks are very similar to refunds in that:  Successful sales are ultimately reversed.  “Unhappy” customers get their money back.  Though unlike refunds, chargebacks aren’t something you implement on your end as a merchant.  Instead, they’re initiated by the customer — with or without your consent.  Thanks to consumer protection laws, starting the chargeback process is very easy for customers.
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Topics: EMV, PCI Compliance and Fraud Prevention, Small Business Tips, Enterprise Business Tips

What is Synthetic ID Fraud?

Posted on May 14, 2018
Identity theft and payment fraud aren’t new problems. For years, the retail industry has struggled with fraudulent purchases via stolen credit cards or other payment data. This trend has become worse as we move more of our financial lives online.  Once compromised, ones and zeros can crisscross the globe at the speed of light — going through subsequent stages of duplication and manipulation.
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Topics: PCI Compliance and Fraud Prevention

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

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

Cybercrime Risk to Rise in 2018: What You Can Do

Posted on Mar 27, 2018
You've heard about cybercrime for many years now. Logically, with more knowledge and technology in place, you might conclude that cybercrime activity may decrease in 2018. Instead, it's set to rise this year. By all predictions and available statistics, there appears to be more risk for cybercrime than ever before. With more customers shopping and paying for products and services online, it's something you need to address to keep your customers and business safe.
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Topics: Due.com Partner Posts, PCI Compliance and Fraud Prevention

The Importance of AVS and CVV for Chargebacks

Posted on Mar 23, 2018
Whenever customers are unhappy with products or services, they can request a refund directly from you — the merchant.  This is usually an unpleasant experience, and retailers often go out of their way to avoid issuing refunds. The alternative, however, is much worse.  These dissatisfied customers also have the option of disputing purchases and initiating chargebacks through their banks. The banks then credit those users’ accounts before chasing you down for the outstanding balance. 
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Topics: EMV, E-Commerce and Online Payments, PCI Compliance and Fraud Prevention, Small Business Tips, Enterprise Business Tips, Getting Started with Payments

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