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2015 Liability Shift

In October 2015, Visa, MasterCard, Discover and American Express mandated liability shifts for fraudulent transactions. This means that merchants using legacy magnetic stripe readers for accepting credit cards carry the entire burden for merchant chargebacks if a card with a chip is swiped. While EMV payment terminals are typically more expensive to purchase than magnetic stripe readers, it’s important to weigh the upfront cost against the potential long term cost of paying for customer initiated chargebacks. Many consumers will prefer using merchants capable of processing EMV transactions because EMV advertises an enhanced level of payment security.

Chargeback liability has shifted. EMV chip card technology protects you.

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EMV Chip Card Processing

MobileBytes POS uses payment terminals with a built-in pin pad. They offer EMV, NFC/contactless, and MSR and are PCI PTS 3.1, MasterCard PayPass, Visa payWave, American Express ExpressPay, and Discover DPAS certified. Any MobileBytes POS tablet, whether Ethernet or Wi-Fi connected, can initiate and perform transactions on any payment terminal on the same local network.

Wave your Smartphone or Smartwatch to pay with NFC technology!

Near field communication (NFC), is a form of contactless communication between devices like smartphones and smartwatches using Apple Pay, Android Pay. MobileBytes POS, using the integrated PAX SP30 payment terminals, allows a user to pay for their purchases using their smartphone or smartwatch. Compared to EMV, NFC transactions are much faster and provide the same level of chargeback protection.

NFC technology works with Apple Pay, Google Wallet, and other mobile wallet programs.

Contact us Today

(904) 296-8200