The EMV chip cards have already successfully reduced face-to-face fraud around the world – and is now making its way into your customers' wallets. With a "future proof" terminal or peripheral, you can start accepting EMV chip cards now. And, because EMV technology makes payment cards virtually impossible to copy and a PIN can verify the cardholder’s identity, you can significantly reduce the possibility of accepting counterfeit, lost or stolen cards.
Avoid October 2015 liability for fraudEMV helps prevent the use of counterfeit, lost and stolen cards, as well as reduces skimming attacks at ATMs and the point of sale. Liability for these transferred to merchants in October 2015
Build trust with your customersBy embracing EMV technology, you’ll be protecting your business from the liability and your customers will feel better than ever about doing business with you.
Security peace of mindMultiple levels of security means that even in the unlikely event of a data breach, your liability is mitigated.
Accept contactless payment optionsFirst Data solutions are enabled with RFID tap-to-pay sensors which enable you to securely accept Apple Pay and Android Pay at your point of sale.
Using the Web Dashboard (or logging into another area of the app)Login to www.noshlist.com to access other features including:
Why use a text waitlist?!Pen and paper wait-lists are confusing and old-fashioned. And shouting names to a crowded room to find a party? Who wants to do that. Guests are more likely to remain on a waitlist if they are able to roam around without having to stay within a designated area.
Pagers are expensive and often go missing or break. Restaurants can spend up to $6,000 investing in pagers when they first open, and up to $1,000 per year replacing lost and damaged devices.
NoshList provides an alternative to outdated, expensive wait-list systems. NoshList will allow you to keep an organized waitlist, text & call your customers when their tables are ready, and collect valuable analytics!
Which Clover devices does NoshList work with?It should work with all Clover devices. In addition, NoshList works on iPhone, iPad, Android phones and tablets. The remote web-view of the waitlist can be used on any computer or web-enabled device. All of these other devices will synch with your Clover device if you are logged in with the same account.
What if something doesn’t seem to be working right?The best thing to do for any technical issue is to go into the settings on your NoshList app and use the “Report Issue” feature to tell us what is going wrong. This will also send us detailed device logs we can use to better troubleshoot the issue.
What about the guests that do not have cell phones?Virtually every guest that walks through your doors will have a phone, but if they don’t (or do not want to share their phone number with you), you can still place them on the waitlist. These guests are easy to recognize as you’ll notice the “notification” button will be grayed. When it comes time to notify these diners, the host can simply locate them circa ’93.
Can I customize the notifications?Yes, with NoshList Premium you can modify the notifications that go out and the public waitlist people can check while waiting.
Can I use NoshList if I am not a restaurant?Certainly. NoshList started our solving the wait problem for restaurants, but has expanded and add features to let people better manage waits everywhere. The main thing you will want to do if you are not a restaurant is customize the text and call notifications that go out to customers, which you can do on the www.noshlist.com website in the Settings area.
What happens if I lose internet / 3G connection?You can still use NoshList, but will not be able to communicate with your customers via text or call. Once connectivity is restored, your waitlist will sync and you can resume customer communication.
Who has access to my customers’ phone numbers?Only you can see them in the app. We will never share or sell any of your or your customers’ information. For privacy reasons we also don’t make phone numbers available in any of our online reports.
The Perka™ solution connects you directly to your customers over their mobile phones, allowing you to run the same kinds of sophisticated loyalty marketing programs as nationwide chains—at a fraction of the cost. You can turn occasional visitors into loyal regulars with offers and rewards they’ll love, because when you keep customers happy, they’ll keep coming back.
Embrace every customer.
The Perka solution works on almost any mobile phone, tapping your customers into amazing rewards.
Expand your following.
Social media features can help you reach new customers and encourage repeat visits.
Treat your best customers.
The Perka platform helps you find your most valuable customers so you can offer them exclusive perks, special offers and extra-personalized service
• Apple recently announced Apple Pay™, a new way for consumers to safely and securely tap and pay using the new iPhone® 6 and iPhone® 6 Plus.
• With more than 60 million iPhone 6’s expected to be sold in 2014 (Source: Forbes, July 2014), consumers will be looking for, and asking for, mobile payment acceptance.
• There has never been a better time to review your point-of-sale system. With more consumers asking about mobile payments, including Apple Pay, as well as the shift of liability around the corner for chip card transactions (October 2015), now is the time to explore your point-of-sale options.
• We offer multiple solutions to provide your customers with an easy, safe and secure way to tap and pay.
For Clover Clients:
• Since you already have Clover™ Station, all you need to accept Apple Pay and other mobile payments is an FD40 PIN Pad. It easily connects to your Clover Station.
• The same PIN Pad can be used to accept chip cards which will be in use soon and which you are required to accept by October 2015.
• And as a special thank you for being a Clover customer, we are also offering one month free of Gyft Cloud, a new mobile gifting solution available on the Clover App Market – just in time for the holidays, the most popular time of the year for gift card sales.
o Manage an entire mobile gift card program directly from your Clover Station
o Set up and training will only take a few minutes
o Boost sales, build loyalty and engage customers with confidence.
o Be on the cutting edge of reaching your mobile savvy customers
o Reduce fraud associated with paper certificates and punch card
o Your customers can redeem gift cards right from their mobile phones.
o Track balances and issue store credits easily with no bookkeeping headaches
For Terminal Merchants/Clover Eligible:
• Get Clover Station with the FD40 PIN Pad to keep up as payment technologies advance. You’ll also enjoy a simplified and convenient way to run your business including:
- Inventory tracking
- Employee management
- Customer insights
- Loyalty and marketing programs
- Payment acceptance, including Apple Pay and chip cards
• The same business management system can be used to accept chip cards which will be in use soon and which you are required to accept by October 2015.
• And as a special thank you for buying or leasing a Clover Station, we are also offering one month free of Gyft Cloud, a new mobile gifting solution available on the Clover App Market – just in time for the holidays, the most popular time of the year for gift card sales.
- Manage an entire mobile gift card program directly from your Clover Station
- Set up and training will only take a few minutes
- Boost sales, build loyalty and engage customers with confidence.
- Be on the cutting edge of reaching your mobile savvy customers
- Reduce fraud associated with paper certificates and punch card
- Your customers can redeem gift cards right from their mobile phones.
- Track balances and issue store credits easily with no bookkeeping headaches
• NOTE: If the merchant is not interested in upgrading to Clover, please let them know that there are other POS options to get them ready for Apple Pay and chip cards (see Terminal Merchant section)
For Terminal Merchants, Not Clover Eligible:
• You can easily add an FD35 PIN Pad to your existing <FD100/200/300> terminal. That’s all you need to get ready for Apple Pay. And the same PIN Pad will work for chip cards, too.
• NOTE: Other terminal solutions that will currently work with Apple Pay and chip cards are the FD130 and the FD130 Duo with the FD 35. However, those terminals are not eligible for the promotional discount.
©2014 First Data Corporation. All Rights Reserved. All trademarks, service marks and trade names references in this material are the property of their respective owners. EMV™ is owned by EMVCo LLC. Apple and iPhone are registered trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.
Additional Key Points about Apple Pay:
• With the new release of iPhone® 6 and iPhone® 6 Plus, Apple is poised to accelerate the growth of mobile commerce and catalyze the “card-less” environment in an unparalleled manner. It provides a digital “wallet” in the device, in which consumers can store payment options that can be used to ‘tap and pay’ for goods and services.
• This contactless use of a mobile device to perform payment transactions is facilitated via Near Field Communication (NFC) communications technology.
• NFC-based transactions are treated just like the other in-store transactions (assessed at Card Present rates)
• While contactless payments have been around for a while, the ability to use one’s phone to ‘tap and pay’
What is the situation
Most small and mid‐sized businesses (SMBs) use standalone point‐of‐sale and
As a result, SMBs waste precious time manually entering sales information into their
Time Saving, Worry‐Free Operation
• Sales information is automatically transferred. Merchants no longer need to
manually enter sales information into their accounting solution or continue
relying on pen and paper for accounting
• Built-in data validation ensures data is transferred reliably and accurately
• Signing up takes only a few minutes
• Commerce Sync automatically configures the service to your merchant’s
accounting solution for initial use, so your merchant doesn’t need to be an
accounting expert to get started quickly
Either daily sales summary or breakdown by individual sale
• Taxable and Non‐Taxable Sales
• Tax Collected
Track non‐inventory income and expense items in the accounting solution
• Shipping and Handling Fees
Account for items sold by:
• Store Location
• Department (automotive vs. hardware)
• Revenue Center (e.g. gift shop vs. dining room)
• Subtotals by Tender Type
• Product Category (e.g. food vs. beverage)
• Tax Rate
With help from First Data and Clover Station™… this restaurant increased sales and business efficiencies too!
For a great example of what First Data and Clover™ Station can do for small business, look no further than Carter’s.
The restaurant implemented Clover and now has quite the appetizing tale to tell.
“I popped into Carter’s to see how they are doing, and they are LOVING Clover,” Amanda reported about her happy client. “The manager says she and the owner are watching their sales on Clover’s reporting tab ‘like a stock ticker’ and are so excited they finally know how much they are making. Their sales have skyrocketed.”
Can a solution like Clover Station really have that big of an impact on sales? You bet your barbeque it can. In Carter’s case, here’s why:
Speedier service = higher sales
Much of the client’s business is carryout. With Clover’s easy touchscreen software, the restaurant is moving customers and their orders through the line more quickly, and the parking lot is clearing out faster. So when people drive by and see the place isn’t overflowing, they realize they can get their food faster and are more likely to stop in. Essentially, the volume of business they were doing on Fridays and Saturdays is now happening every day of the week.
“The quicker turnaround has made their customers happier, and it’s made a huge difference in sales,” said Amanda. “They are making 30-40 percent more every single day.”
Clover’s integrated payroll functionality is a far cry from the restaurant’s old, highly manual system. Employees were clocking in by writing down their arrival times on a whiteboard – an imperfect tracking system to say the least. Now, workers clock in with Clover.
“They are already noticing that the workers are more likely to show up on time now that they know they won’t get paid for the time they are late,” Amanda said.
Similar to the payroll situation, Carter’s was manually tracking inventory – literally, with pencil and paper. Not since Clover Station arrived, however. Now, rich inventory functionality is integrated right into the solution, providing a level of visibility the restaurant has never had before.
“Clover has totally changed things for them, in a matter of about 10 days,” Amanda said. “It’s incredible to watch. Now they really understand what’s going on in their business.”
Click here for more information about Clover and web link how to get it.
"New technology is transforming what consumers
expect from retailers and financial institutions.
As payments, banking, social networking, and
commerce intersect through smartphones, tablets,
personal computers, and brick-and-mortar stores,
consumers seamlessly cross online and offline channels
in pursuit of value, convenience, validation, and a buying
experience personalized to their specific preferences."
What Is the Universal Commerce Innovation Exchange?
The Innovation Exchange, sponsored by First Data, is a group of industry thought leaders who provide perspectives on consumer and technology issues related to the convergence of in-store commerce, eCommerce, and mobile commerce.
The goal of the Innovation Exchange is to advance conversation on Universal Commerce, spotlighting many of the opportunities, challenges, and realities faced in bringing the vision to life - all through open and continued discourse among some of the leading experts in this evolving arena.
The Innovation Exchange represents diverse roles and viewpoints within the industry.
Integrated Customer Experience
Discussions among the sub-group of Innovation Exchange members centered on the need for organizations
to present a common purchase experience to customers, regardless of where they choose to interact.
Organizations need to understand what customers expect. Given that consumers’ needs and desires fluctuate
often and based on many variables, organizations must focus on their abilities to adapt quickly and easily to
meet customers’ expectations.
Cyber Attacks Increasingly Target Small Companies Monday, August 27, 2012
Article by Jim Cloonan
According to a recent report from Symantec, targeted attacks on the IT networks of small businesses have doubled in the past six months.
There were on average 58 targeted attacks a day on the networks and computer systems of companies with less than 250 employees or less in the last six months. This number represents almost 36% of all targeted attacks on companies, Symantec said. This number represents an 18% increase since the end of December 2011.
According to Paul Wood, Symantec’s cyber security intelligence manager, “There appears to be a direct correlation between the rise in attacks against smaller businesses and a drop in attacks against larger ones. “It almost seems attackers are diverting their resources directly from the one group to the other.”
Perhaps this is because larger companies have more resources and dedicated CISOs. As a result they do a better job of securing their computer networks.
The total number of daily attacks continued an upward path during the first half of 2012, according to Symantec, with an average of 151 targeted attacks blocked each day during May and June.
During the first half of the year, the total number of daily targeted attacks continued to increase at a minimum rate of 24 percent with an average of 151 targeted attacks being blocked each day during May and June.
Large enterprises consisting of more than 2,500 employees are still receiving the greatest number of attacks, with an average 69 being blocked each day.
It may be that your company is not the primary target, but an attacker may use your organization as a stepping-stone to attack another company. You do not want your business to be the weakest link in the supply chain. Information is power, and the attackers know this, and successful attacks can result in significant financial advantage for the cyber criminals behind them.
Access to intellectual property and strategic intelligence can give them huge advantages in a competitive market,” Wood said.
Cross-posted from MyITView
We offer to protect valuable payment card data with the First Data® TransArmor® solution- Free!
Secure payment card data from the point of sale and prevent it from entering your environment through the powerful combination of tokenization and
encryption to help reduce your risk and simplify your PCI compliance effort.
Why You Need It?
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The Global Gateway e4SM solution closes the gap for merchant’s wanting a fully-featured payment gateway solution to easily enable payments on their website or in the mail order or telephone order environment. Set-up is simple and seamless and links businesses of all sizes to a robust payment solution built on newer technology, that supports a range of payment necessities from simple to complex. FDIS offers a simple, reliable and secure payment gateway solution that meets online payment acceptance needs today and supports growth plans for tomorrow.
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