Monday, April 20, 2015

What You Need To Know About EMV

EMV is a security framework that defines the payment interaction at the physical, electrical, data and application levels between chip cards and payment devices. These interactions are often referred to as EMV Level 1 and 2 requirements. EMVCo was created by the payment networks to be a neutral party in making this standard framework.

How Does It Work?

Smart cards are embedded with a chip that is encrypted with data. EMV-enabled devices have the ability to read data stored on a chip within the card. During the transaction authorization process, strong cryptographic functions are used to validate the authenticity of the card and cardholder.
Best of all, when a customer pays using an EMV-enabled device, the device is instantly identified as an authentic, approved payment instrument through a process called dynamic authentication. When used with a PIN, the chip proves that the customer is paying with his or her own card.
By using chips as an active part of the payment transaction, EMV cards and devices help prevent credit card fraud from stolen account numbers and cloned payment cards.
The complexity of migrating to EMV chip-card standards can pose significant challenges for acquirers and merchants. ePay Management is currently offering Verifone EMV-compliant solutions for all counter top environments. Verifone provides an unmatched line of EMV-compliant hardware and software - as well as training and support - to deliver complete solutions for meeting migration plans. In addition, we are working closely with our partners to ensure that all payment applications designed to run on these devices will be EMV-certified. 
Most importantly, while EMV limits the exposure of payment transactions to fraud and misuse, cardholder information is still transmitted in the clear during an EMV transaction. Verifone's VeriShield Total Protect, Secured by RSA, applies sophisticated encryption and tokenization to secure cardholder information, from insertion to processing and back.
What About Mobile Solutions
The availability of EMV-compliant devices will vary depending on the payment gateway being used. The different gateways are certifying devices ranging from MagStripe and Smart Card audio jack readers, Bluetooth payment terminals and PINPads.
ePay Makes Migrating to EMV Smooth
The easiest way to migrate to EMV is to rely on ePay management. Our experts save additional time and labor costs related to payment estate assessment by determining which EMV-compliant hardware and software solutions best optimize business needs and meet EMV migration initiatives.
By working with ePay, enjoy the peace of mind of being equipped with everything needed to meet migration plan deadlines and avoid potentially significant risks associated with solutions that are not EMV-compliant.
Fraud Liability
Today, if an in-store transaction is conducted using a counterfeit, stolen or otherwise compromised card, consumer losses from that transaction fall back on the payment processor or issuing bank, depending on the card's terms and conditions.
After an Oct. 1, 2015, deadline created by major U.S. credit card issuers MasterCard, Visa, Discover and American Express, the liability for card-present fraud will shift to whichever party is the least EMV-compliant in a fraudulent transaction.
Consider the example of a financial institution that issues a chip card used at a merchant that has not changed its system to accept chip technology. This allows a counterfeit card to be successfully used.
"The cost of the fraud will fall back on the merchant," Ferenczi says.
The major credit card issuers each have published detailed schedules about the upcoming shift in liability. The change is intended to help bring the entire payment industry on board with EMV by encouraging compliance to avoid liability costs.
Any parties not EMV-ready by October 2015 could face much higher costs in the event of a large data breach.
Automated fuel dispensers will have until 2017 to make the shift to EMV. Until then, they will follow existing fraud liability rulings.
The Visa U.S. Merchant EMV Chip Acceptance Readiness Guide can be found here:
Contact us at 1-877-493-EPAY(3729) with questions or concerns.

Friday, June 1, 2012

ePay Finance Gains Momentum as the Nation’s Best Choice for Consumer Financing.

ePay Management provides an online consumer financing platform to merchants as an alternative to the major banks and traditional lenders, through its ePay Finance program.
ePay Finance offers financing to prime and sub-prime borrowers through one portal.   While most traditional lenders approve only well-qualified borrowers, ePay Finance understands that anyone can experience difficulty at times due to reasons beyond their control.  “Our goal is to allow our merchant partners to provide an affordable monthly payment to as many borrowers as possible in a responsible manner”, states Eric Eichlin, President of ePay Management.
ePay Finance enables merchants in the home services, medical and retail industries to offer their customers an affordable monthly payment with fair interest rates equal to the borrowers credit worthiness.  ePay Finance and its lending partners offer $1,000 - $30,000 installment loans to consumers with no recourse to the merchant. Credit scores can be as low as 520 with a 12 month no interest option.  Interest rates range from 8.99% - 19.99% with special promotional offers available to qualified candidates.  Each offer is tailored to find a monthly payment that is fair and affordable for the borrower.
Merchants that are interested in learning more about the ePay Finance program can call 877-493-3729 or visit .  Consumers looking for a merchant in their area can do a zip code search at
ePay Management is currently looking to add qualified individuals as sales agents for this program. Interested parties should visit
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Wednesday, December 15, 2010

Analog Credit Card Terminals and Digital / Voice Over IP (VoIP) Phone Service

As the popularity of digital and VoIP phone service in today’s business market grows, so do the communication issues with analog machines. As a payment-services, sales professional it is imperative that you are aware of the issues relative to analog equipment and newer digital phone lines to be able to recommend the appropriate alternative solutions.

Analog credit card terminal modems run on an analog frequency that is much slower than a typical digital phone line frequency. Analog equipment has difficulty communicating over the static, line noise and echoes caused by the vast frequency difference between itself and a digital phone line. Ultimately, duplicate transactions, multiple authorizations, transactions that never get processed and modems that wear themselves out are common results. Not-to-mention the initial download of the machine can be a problem.

In many instances, persistence or a DSL filter have become acceptable “work-arounds” for the problem and merchants with analog equipment and digital phone service continue to process. An issue that most merchants and many sales offices are unaware of is that utilizing a PCI Compliant terminal with a standard VoIP connection deems their processing “Non-compliant” with PCI standards.

A PCI Compliant terminal with encrypted VoIP may be compliant if the connection meets requirements of all published Visa and MasterCard (and any other types of cards that you are going to swipe) data security rules, including encryption and firewalls. It must also meet the standards as outlined for your type of business at

This issue is obviously not limited to new business. Existing merchants who have upgraded their analog phone systems to digital are also experiencing frustration with this problem and should be informed of the issues and given the proper options for resolution.

So what are the options? The easiest, but not necessarily the least expensive, solution is to replace the old, analog credit card terminal with an IP-capable device running over an Ethernet connection. Examples of acceptable devices would include the Verifone Vx510 Dual-Comm (both 6 mb and 12 mb) unit or the Vx 570 DC terminals. In some instances it may make sense to suggest a wireless solution such as the Verifone Vx610, PAYware Mobile or Charge Anywhere products. Finally, in others instances a PC-based virtual terminal or client side software solution with a USB mag-card reader may be the best choice.

It is important that you understand the problem and are familiar with all of the possible solutions in order to help your merchants make the best choice. Please feel free to contact our offices to further discuss the issues resulting from digital and VoIP phone systems.


ePay Management

Tuesday, October 19, 2010

The Social Media Marketing Difference

The sole fact that you are reading this off of a computer screen makes it very likely that you are familiar with Social Media websites like FaceBook, Twitter and YouTube. Chances are good that you even have an account with one or more of these services. Millions of people, just like you, use social networks as a tool for finding and staying in touch with old and new friends and family while some now use these services as their primary source of communication. Social networking has solidified it's place in our culture and is providing a new way for people to interact with each other. Savvy business owners see these social networks as a very effective and inexpensive form of marketing and advertising.

In it's most basic form, social media is simply a website that doesn't just present information or a product, it's a website that also interacts with the visitors and gives them a community feel. Some social media sites invite active comments and others are almost solely user driven.

Used correctly, social media marketing is a powerful way to convey your business or organization across the web and establish long term relationships with your clients as well as bring in new customers.

Your customers are social creatures. They like to feel comfortable with the places they do business. For website visitors, having social media applications on a company’s website is like having a really friendly cashier that knows you by name or the waitress that knows how you like your coffee. Social media brings a personal touch to a site through blogs, forums, Twitter posts, FaceBook and other forms of social interactive media.

Give your business the edge it deserves by taking full advantage of the friendly, online community that social media venues offer.

What are the advantages of Social Media Marketing?

Your Company Identity

We work with each client to develop a unique "voice" for their company's presence within the Social Media community helping to ensure a successful campaign. A successful Social Media Marketing campaign will increase the popularity of your website and strengthen your company's identity online. Your social media family will spread your message more effectively than traditional methods.

Quick Results

By working closely with each client we maximize the potential impact of each of phase of a Social Media campaign. Hitting a front page of a major social networking site like YouTube or StumbleUpon will send huge amounts of traffic, almost instantly, to your company's website. That traffic doesn't necessarily equate to sales, but it will generate momentum in the right direction.

Affordable Advertising & Marketing

Social Media Marketing can be used in place of or along side of traditional advertising and marketing at a fraction of the cost. We offer SMM campaigns with initial launch pricing and maintenance options for all types of budgets. What works for one company may not necessarily be a smart option for another so we work closely with each client, performing market research and proposing the strategies with the highest chance of success while still fitting in to a budget.

Come Recommended

Would you be more comfortable buying from a faceless company or from one that came recommended? Initiators and influencers play an important role in the buying process and you can reach these people with SMM. We monitor public Tweets for key words within your business' scope and reply on your behalf. We develop forums and blogs on Industry websites and respond to articles in relation to your business. We "Friend" and "follow" users of your competitors and vendors social media outlets to build a network of users ready to recommend your business.

Search Engine Rankings

A Social Media Marketing campaign will result in a large number of backlinks from referring sites, landing pages, forums, blogs and profile pages that will result in much higher search engine rankings for your website.

Advertising Compatibility

Social Media Marketing can often replace traditional marketing techniques however it is also often successfully run along side an existing traditional advertising campaign. Our goal is to develop the most successful SMM campaign on your budget. We are confident that once you see the results you will find it to your advantage to take Social Media marketing seriously.

So, what makes us different?

We have a long history of offering the highest quality product with a level of customer service and support that exceeds expectations. Our merchant retention percentages are amongst the highest in the industry.

We handle each client on an individual basis. We interview each business and take the time, first through an initial interview, to understand your business, your goals and your budget. We then perform stringent market research before our team sits down to develop an initial proposal for your company's new SMM campaign.

Our success is measured by the success of our customers. We take pride in every project and treat each client with great care. Your business is important to us so we keep you well informed every step of the way with development updates, topic calendars and monthly reporting and analysis.

Call us today at 1-877-493-EPAY to schedule a sales call. You'll be glad you did.

Friday, October 1, 2010

Secure, Affordable, Wireless Processing Expanded to Android, BlackBerry and Windows OS Users

The excitement surrounding the announcement of secure, swiped credit card processing through the Apple iPhone a few months back was very much warranted. The PAYware Mobile application from Verifone is being offered to the public by ISO’s like Tempe, Arizona-based ePay Management. It has been a welcome solution to a large market of mobile merchants using the iPhone and is still proving to be an ideal solution for those users. The feedback we have received from our merchant partners utilizing the PAYware Mobile solution has been extremely positive.

The most common objections we are experiencing during the sales process relating to the PAYware Mobile solution are:

1.) an incompatibility with the latest Apple release of the iPhone 4G
2.) The reluctance of switching to the iPhone primarily due to a dislike of the AT&T service
3.) A merchant’s affinity for their existing Android, BlackBerry or Windows OS smart phones
4.) The lack of a printing solution

With the recent announcement by ePay Management of their partnership with Charge Anywhere, 3 of these 4 objections have been nullified. The addition of the Charge Anywhere mobile payment solution is allowing ePay to market wireless payment processing solutions to Android, BlackBerry and Windows OS smart phone users as well as iPhone 3G and 3Gs customers.

The Charge Anywhere solution pairs the P25 BlueTooth printer/magstripe reader with a compatible device for swiping credit cards on-the-go. This increases business productivity by speeding up the transaction time and increases revenues by allowing users to take advantage of the lower Interchange rates assigned to swiped transactions. Authorizations are received in real-time and settlements occur daily, decreasing accounts receivable problems and increasing cash flow.

The Charge Anywhere solution is compatible with the most popular smart phone offerings from most carriers, including the Bold, Curve and Storm series of phones from BlackBerry. The Motorola Droid and HTC G1 and My Touch with Android operating systems and the HTC Fuze, Tilt & Pure along with the Palm Treo and Motorola MOTO Q utilizing the Windows OS.

Because the Charge Anywhere application is certified and written for the operating system, the Smartphone application can be installed on most Windows Mobile 5.0+, BlackBerry 4.1+, Android or J2Me devices.

The application is able to capture and download mission critical business data above and beyond traditional credit card data such as invoice number, employee number, tips, tolls and more. QuickBooks users can import data from the payment gateway, eliminating time-consuming data entry.

ePay Management is aggressively marketing the Charge Anywhere and PAYware Mobile solutions to the retail, restaurant, QSR, HVAC, Plumbing, Towing, Trade Show, Limo/Taxi and Delivery industries.

Please contact ePay Management directly at 1-877-493-3729 or with questions regarding these or any other payment processing solutions.

Wednesday, September 29, 2010

Arizona chapter of Air Conditioning Contractors of America (ACCA) Chooses ePay Management as its Endorsed Electronic Payment Processing Supplier

Tempe, Arizona - September 24, 2010 - ePay Management L.L.C. (ePay) announced today that it has been selected as the endorsed payments provider for The Air Conditioning Contractors of America, Arizona Chapter, a non-profit trade association with roots stretching back nearly a century. The ACCA is the only nationwide organization of, by and for the small businesses that design, install and maintain indoor environmental systems.

ePay Management will give ACCA Arizona members the ability to accept Visa, MasterCard, American Express and Discover transactions at a reduced negotiated price to the Association. ePay will also provide ACCA members with consumer financing options and mobile payment processing solutions.
“We are very excited about the addition of ACCA Arizona to the ePay family“ said Dave Wilson, Founder and CEO of ePay Management. “We have a full decade of experience providing quality, personalized merchant solutions to the home services industry. We pride ourselves on our extensive knowledge of the industry and our ethical business practices. ePay will provide secure, reliable equipment and service with aggressive pricing upholding our reputation as the HVAC Industry’s best friend.”

About ePay Management L.L.C. (ePAY)

Founded in 2000 by seasoned payment industry professionals, ePay Management has an impressive legacy of partnership with its customers in successfully applying technology-based, merchant electronic payment solutions and solving their toughest problems. The company supports sales offices nationwide and is a registered ISO/MSP of RBS Citizens, Providence, RI.

About The Arizona Chapter of the Air Conditioning Contractors of America (ACCA)

A non-profit trade association for heating, ventilating, air conditioning and refrigeration contractors in Arizona, the ACCA works to give their members the tools they need to succeed in the HVACR industry. The ACCA represents and serves firms who design, install, service and repair air conditioning, heating, refrigeration, air purification and ventilating systems of all sizes and complexities. In addition, membership includes manufacturers of equipment, wholesalers and distributors of equipment, vocational and technical schools, utilities and others with an interest in the HVAC industry.

Friday, August 6, 2010

RBS agrees to sell 80.01% interest in Global Merchant Services to a consortium of Advent International and Bain Capital

August 6, 2010 -The Royal Bank of Scotland Group (“RBS”) announces today that it has agreed to sell a controlling 80.01% interest in its Global Merchant Services (“GMS”) business to a consortium of Advent International and Bain Capital for an enterprise value of up to £2.025 bn1.

RBS will hold a minority stake in the new GMS group of 19.99%. As part of the agreement, RBS will continue to promote and refer the GMS product suite as a valuable part of its offering to customers.

RBS continues to deliver strong momentum in relation to its disposal programme and the proceeds from this transaction will strengthen the Group’s already robust capital ratios.

The divestment will result in a gain of approximately £850 million after goodwill, separation and transaction costs. The net positive impact on the Group’s Core Tier 1 ratio is expected to be c30 basis points2 on completion.

Advent International and Bain Capital have committed to making substantial investments in the technology platform and the product offering. There will be transitional services agreements in place to cover the period from legal completion to final separation.

The sale is expected to complete in the fourth quarter of 2010 and is subject to certain conditions including approval by the European Commission, US anti-trust authorities and other regulators.

Bruce Van Saun, RBS Group Finance Director said: “The sale of GMS is another significant milestone in the Group’s restructuring programme. GMS is an excellent business. The transaction will be good for both staff and customers as the business implements its ambitious expansion plans.”