Striped tomato

Let’s Talk About Food!!

Striped tomato

Have you got a favorite restaurant or maybe you are a chef and want to share your favorite recipe?  Let’s talk about it, share because I want to know and others do too.  I am into organic gardening, I have a garden and I love everything about it; the dirt in my toes, the fresh veggies in a basket, on the table and finally on a plate, I love it all!  I recently found this blog with some great organic recipes check it out and please share your loves, your favorites a little bit of you.  Nelda

http://www.sproutedkitchen.com/

 

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Apple Pay Expands to Canada

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If there wasn’t any before, Apple Pay’s recent expansion has given merchants throughout the country of Canada a strong incentive to provide point of sale solutions compatible with the service. Although Apple Pay isn’t necessarily a service that is new to Canada, May 2016 marks the first time that customers will be able to make transactions with cards not exclusive to American Express.

For those that aren’t familiar, Apple Pay is a relatively new mobile payment feature powered by Apple that allows customers to pay for goods and services through their iPhone, iPad, or Apple Watch. Launched in October 2014, the application is synced with a user’s credit card and is utilized by holding your device near the contactless reader on a merchant’s POS system. The application then requires a user’s fingerprint Touch ID to authorize the transaction, and is a replacement for traditional ‘Chip and Pin’ or ‘Chip and Signature’ security methods.

Although Apple Pay has been available in Canada since November 2015, it has only recently become available for merchants that process cardholders not affiliated with American Express.

On May 10, Apple Pay’s services were expanded to customers of Royal Bank of Canada, Canadian Imperial Bank of Commerce, ATB Financial and Canadian Tire Bank. This expansion now supports Visa, Mastercard, and Interac, servicing a majority of cardholders in Canada. Services will be further expanded to TD Canada Trust, Scotiabank and the Bank of Montreal in order to fully accommodate Canada’s ‘Big 5’ banks, as well as two additional credit unions (iMore).

Apple Pay has potential to make a big splash in the Canadian market, primarily due to its cooperation with banking institutions. American Express is infamous for charging higher processing rates than its competitors, so Apple’s expansion beyond AmEx as sole proprietor of mobile transactions greatly increases its potential consumer base. In terms of customer protection, LoyaltyOne’s Senior Director of Research and Development believes that Apple Pay’s combination of security and branding are among its strongest selling points in foreign markets.

“Trust and security has remained a big issue with digital wallet adoption to-date, but studies show that consumers are more likely to adopt a mobile wallet platform and engage with the app if they trust a brand, and because banks are some of Canada’s most trusted brands, they are well-poised to get the most out of this digital trend,” says Berry. (MobileSyrup).

Having anticipated this major market shift, CoCard is fully equipped with a number of POS solutions that can quickly and efficiently service Apple Pay users in the United States. For more info about Apple Pay devices, call CoCard today at (800) 317-1819 or email at info@cocard.info.

 

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Tips for Preventing a Data Breach

Tips for Preventing a Data Breach

 

Tips for Preventing a Data Breach

 

When you think about data breaches, your mind probably jumps to the highly publicized incidents of companies like Target and Home Depot. Small business might think they don’t need to take security measures–but that’s not the case. Small business are as susceptible to data breaches as large corporations, and may actually be at greater risk.

Stephen Cobb, a senior security researcher at ESET, says that hackers like to target small businesses because they have more digital assets than a single customer, and not as many security measures put into place as a large enterprise. According to QSR magazine, small businesses like restaurants, are data-thief magnets because they process an abundance of credit cards and often use POS equipment.

Protect your small business with these data breach prevention tips from Chip and Terminal:

 

1. Be Proactive

  • Routinely check your POS systems to make sure they haven’t been tampered with.
  • Don’t wait for a problem to arise. Perform regular vulnerability assessments- once a week is advisable. These tests should be conducted on all systems associated with your network.

 

2. Make sure your credit card processing network is secure

  • Be sure adequate firewall and virus protection measures are put into place.
  • Avoid combining your network with your in-store free Wi-Fi. Make sure any open Wi- Fi networks your customers may use is on a separate network from the one where you process your credit cards.
    • If your devices are not properly installed, configured, and managed, you are taking on a large risk.

 

3. Hold your employees accountable

  • Train your employees on proper security measures. Creating a culture in your business that is more security-minded can help eliminate mistakes that may lead to a data breach. If your employees are knowledgeable and diligent in regards to your network’s security, they will be better able to notice atypical behavior.
  • Discuss with your employees the best way to optimize credit card security. Remind them that handling credit cards and physical cash is similar. There is a lot of responsibility that comes with handling money and information. Limiting how much employees handle credit cards out-of-sight can help prevent dishonest employees from stealing customer information.

 

4. Switch to EMV acceptance

  • EMV technology in the U.S. is catching up to the rest of the world after the 2015 EMV mandate. The chip that is embedded in EMV cards is encrypted and creates a new code every time the card is used to make a purchase, making the card unable to be replicated and more secure than a simple magnetic stripe card.
  • If a fraudulent charge has been made with an EMV enabled card, but a merchant doesn’t have the technology to process an EMV card, the merchant must accept the charge as a loss. Because of the liability shift it is critical that merchants invest in a processing system that accommodates EMV chips, whether they choose an EMV- enabled terminal or Point- of- Sale system.
  • The prevalence of EMV cards makes a data breach less likely because it is a lot harder for hackers to target individual cardholders as well as the businesses that accept them

 

If you would like more information on how to update your POS system and how to be more secure, including switching to EMV compliant technology, contact us at 800-317-1819!

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Julie’s Treasures and REVONU POS: Aye, the Perfect Match!

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REVONU POS is making a huge impact on the POS community, and to talk about why, we asked Julie Nelson, owner of Julie’s Treasures in Minnesota, a retail consignment store,  what she thinks about her new REVONU POS system and COCARD.

COCARD: What made you choose COCARD for your payment processing?

Julie: COCARD was recommended to me by the previous owner.

COCARD: Was the previous owner already using REVONU?

Julie: No, he didn’t have a POS system to run the business. But I definitely wanted to utilize one. The previous owner mentioned that COCARD had POS systems available and I really liked REVONU.

COCARD: So it seems like REVONU has made your business easier to manage! Could you give me some examples as to how REVONU has improved the operation of your business?

Julie: REVONU has made a positive difference! After getting REVONU, it has been easier to keep track of sales as it can sometimes be difficult to keep track of consignors. We also have two different shipping services that are out of the office, so we rely on REVONU to keep those organized. It is very important that we keep track of who we are selling to and who to pay!

COCARD: Would you say REVONU does a good job at catering to a retail business, such as Julie’s Treasures?

Julie: Yes

COCARD: Is it relatively easy for you to keep your inventory organized using REVONU?

Julie: Yes

COCARD: If you could see one feature be added/changed to REVONU what would that be?

Julie: Honestly, I haven’t encountered any issues!

COCARD: What is your favorite aspect of REVONU?

Julie: My favorite aspects are the sales tracking and the back office management options as well has being able to get support for REVONU and my merchant services account in one place with one call!

COCARD:  Thank you Julie for taking the time to speak with us today!  

Is REVONU POS right for your business?  Give us a call to set up a demo, we love to show it off!  800-318-1819

 

 

 

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Pssst! Did You Know That COCARD Has a Live Chat?

REVONU cartoon character right

 

Do you have any burning questions? Not feeling like picking up the phone? Would you like some more information about credit card processing, POS systems or have a question about your merchant account with COCARD? Then chat away!

I’m REVONU your POS system pal, and I’m here to tell you about our brand new live chat feature. It’s conveniently located on the bottom right corner of the screen on our website, www.cocard.info.

Look in the right hand corner of your screen right now, click on the blue box and one of our fanatical support members will answer any questions you may have, so don’t hesitate to chat us! Hope to talk to you soon!

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