Same-day ACH credit deadline: Are you ready?

In my last post, about four things you need to know about same-day ACH processing, I shared the list of same-day ACH deadlines. The first of those deadlines is coming up later this month – on Sept. 23, 2016, the deadline for implementing same-day ACH credits kicks in. Will you be ready for the changes? Here’s a checklist of things to look into to make sure you’re all set.

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Protecting your payment terminals from card skimmers

 

Skimmers, the “malicious card readers that grab the data off the card's magnetic stripe attached to the real payment terminals so that they can harvest data from every person that swipes their cards,” are most commonly found at ATMs, but earlier in 2016, retail giant Walmart found itself victim of skimmer installation on the self-checkout lanes at two separate locations.

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Comparing consumers and their cash habits

 

A new paper by the Federal Reserve Bank of San Francisco titled “Who Holds Cash?” takes a look at the cash holding and spending habits of average Americans amid ever-increasing payment options.

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EMV:  Where retailers and consumers stand today

 

As “chip cards,” or EMV-enabled credit cards, permeate checkout counters around the world, a new question has been added to the transactional conversation: Swipe or dip?

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Online shopping trends indicate consumer security concerns

 

Music, movies, cars, clothing, prescription medications, groceries, even fresh-baked cookies delivered to your door with a glass of milk at midnight – these days, you can buy almost anything online. It’s quick, it’s easy, and the options are almost endless. Still, according to the Census Bureau of the Department of Commerce, only 7.8 percent of sales in the first quarter of 2016 were e-commerce sales. Why?

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3 ways to avoid customer frustration during the EMV migration

dip your chip card

While other countries have fully migrated to EMV technology, the United States is still working on the EMV migration.  Unfortunately, this is causing some frustration during checkout – both for customers and employees.

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4 things to know about same-day ACH processing

Photo: Shutterstock

 

Same-day ACH processing will be here next year. Are you ready to take advantage of this new option? Here are four things you ought to know.

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EMV is here! Are you ready to go?


 

The EMV deadline is here, and more and more customers are seeing changes in how they pay at retail and restaurant checkouts across the United States. What’s the big deal about October 1? This is the date that liability for fraudulent charges on a credit or debit card shifts to whichever party offers the least payment security.

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