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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Restaurant POS Systems – What is the difference?

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This question was posed to me when I met with the owner of two Italian restaurants this past Friday.  What is the difference in all of these systems now?

My response was “All of these systems, what do you mean?”

I learned first hand from a very savvy business owner that there are a lot of companies reaching out to him to offer him a POS System.  I also learned that they were offering one single solution, be it a tablet or a traditional solution – and pushing what they offered hard.

None of the companies took the time to talk to this business owner about features, and features are what make the biggest difference.

These two restaurants needed reservation tracking, table clearing features, kitchen messaging, market price item setup, and much more.  I learned this because I sat and asked to be taught about the business.

Twice this business owner has purchased solutions that were not a fit for his business.

I can tell you, that wont happen again.  Now he will have a solution that does what his business needs, and nothing that it does not.

Would you like to talk about your business needs with me, and learn about the Restaurant Solutions my team has to offer?

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The First Year: Goals, Challenges, and Accomplishments with EMV

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It has been little more than one year since the liability shift began on October 1st, 2015, where merchants would be liable for fraudulent activity in their stores, as opposed to credit card companies.  And since then, small and large businesses alike have made the switch to EMV.  Here is a look at some of what the transition has been able to accomplish, along with some of the challenges we continue to work through:

The Main Accomplishment: The main goal was to take a bite out of fraud, and so far, the switch to chip-enabled cards is doing just that.  Mastercard, for example, in a press release last month, noted a 54% decrease in fraud between April 2015 and April 2016.

We do have a few areas where we continue to work on improving, and they include:

  1. During this transition, not all merchants use EMV-card processors.  So sometimes you might be required to swipe, while other times you may need to insert the card chip-first.  It can be confusing, but it is a necessary step to ease the transition.
  1. Speed of transactions. Some EMV payment processors are faster than others, and we want all of them to be quick, to get you in and out of a store swiftly.  With different card brands having different speeds for payment processing, we would like to eventually develop a more streamlined, efficient payment speed that everyone works within.
  1. Bottlenecks. With many merchants deciding to upgrade to EMV-supported payment processors, certification can be a lengthy process, along with lead time needed to manufacture chip cards.  Both can be a lengthy process, and Visa, for one, starting in July 2016, introduced initiatives to ease the certification process.  And the card manufacturer, Oberthur, can manufacture cards in five days, cutting lead time significantly from the traditional weeks-long lead time.

Overall, we are making strides towards eliminating fraud in the United States, chiefly thanks to the merchants and consumers.  We will continue to work on these items to ensure a better transition.  To learn how COCARD can work with your company to ease the transition from stripe cards to chip-enabled cards, call us today at 1-800-317-1819.

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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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The EMV Files: A Conversation with Chip and Terminal

Cartoon illustrations of an EMV Chip Card reader and EMV Credit Card

Last week we introduced Chip and Terminal, who have a lot to say about EMV, mainly because they are the main components in EMV technology. So we were lucky enough to be able to book a slot on their busy schedule this fall season to interview them and ask them a few questions. Personally, we think they’d be great on Bravo, but they might have competition with a real housewife or two.

COCARD: Hi Chip. Hi Terminal. We’re so glad that we could ask you two a few questions about EMV. Really, we’re honored. Could you just start by telling us a little bit about yourselves?

Chip: Sure, well I’m Chip, and I’m the small chip that’s embedded in credit cards with EMV technology. Banks have already started transitioning to cards including yours truly, and plan on having all cards in the US utilizing EMV technology within five years.

Terminal: I’m Terminal, and all cards containing chips, will be dipped into terminals to be read. I like to say that I give new meaning to dipping the chip. I provide a one-time code to authenticate the card. Because of this, your data is protected, preventing a person from stealing a code that is only good for one transaction.

COCARD: So when did you first realize that you worked so well together, that you were a great team?

Terminal: I’ll take this one Chip. We’ve had a couple of countries really benefit from EMV technology. There’s the UK, which reduced fraud by more than half between 2004 and 2013 upon implementing EMV cards. Then there’s Canada, eh, that started the EMV roll-out in 2003 and reported fraud of $29.5 million (CAD), down 79% from 2009, which was $142 million (CAD). So I would say that it’s taken some time to see the effects, but in the past few years, we’ve really seen the impact that EMV cards have had in reducing fraud for many countries around the world.

COCARD: EMV is new for many business owners. So I’m sure you understand how such a change might make people anxious. What would you say to assuage the fears of business owners everywhere?

Chip: Well, first the sky is not falling. It might seem like it, but it’s not. The proof is that it’s already been successful in other places, and the US is simply one of the few developed nations that has not adopted this technology. EMV, through its authentication process, is really what makes these cards, our cards, more secure. So they are a safe and secure way to pay for things. We think that any business owner can appreciate the feeling of comfort that security brings.  The big thing for business owners to remember is that banks have a five year plan and that only 21% of US cards will have the embedded chip by the October 1st liability shift..

COCARD: Anything else you’d like business owners out there to know?

Terminal: We just want you all to stay informed. Keep learning. The more you know, we think the less you’ll feel out of your element with something that can benefit your business.

COCARD: Thanks Chip. Thanks Terminal. You were both great. We appreciate that you were able to take time out of your busy schedules—you two are in high demand—to spend a few minutes with us at COCARD. Have a great day.

Chip: You too.

Terminal: Yeah, thanks COCARD.

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