EMV | Schulz Consulting

EMV Credit Card Processing For Sage 100 and Sage 100cloud

October 17, 2018 by Wayne Schulz

If you are accepting credit cards with your Sage 100 or Sage 100cloud accounting software then you’ve likely been asked by customers whether your terminals support the new EMV credit card security.

EMV cards are smart cards (also called chip cards or IC cards) that store their data on integrated circuits in addition to magnetic stripes (for backward compatibility). These include cards that must be physically inserted (or “dipped”) into a reader, as well as contactless cards that can be read over a short distance using near-field communication (NFC) technology. Payment cards that comply with the EMV standard are often called Chip and PIN or Chip and Signature cards, depending on the authentication methods employed by the card issuer.

The integration of credit cards offered by Paya eliminates re-keying and is fully supported by Sage 100 and Sage 100cloud across all supported version.

For more information use http://go.paya.com/Sage50Core2.html

Do Credit Card Processing EMV Rules Apply To My Use Of Sage 100?

March 28, 2016 by Wayne Schulz

According to Wikipedia:

EMV is a technical standard for smart payment cards and for payment terminals and automated teller machines that can accept them. EMV (Europay, MasterCard and Visa) cards are smart cards (also called chip cards or IC cards) which store their data on integrated circuits rather than magnetic stripes, although many EMV cards also have stripes for backward compatibility. They can be contact cards that must be physically inserted (or “dipped”) into a reader, or contactless cards that can be read over a short distance using radio-frequency identification (RFID) technology. Payment cards that comply with the EMV standard are often called chip-and-PIN or chip-and-signature cards, depending on the exact authentication methods required to use them.

There are a couple of questions that will help you determine whether EMV applies to your use of credit cards within Sage 100.

Is the Sage 100 user actually accepting payments within the Sage 100 application?
If so, is an actual card “swiped” during the transaction?
Or is credit card information manually keyed in or recalled from a secure “vault”?
If a card is “swiped” during payment, your business is impacted by EMV and Sage recommends using EMV certified hardware.

We also suggest anyone that has any questions about EMV to visit the Sage EMV website.

Sage Payments Officially EMV -Certified

October 9, 2015 by Wayne Schulz

Sage North America this week announced that their Sage Payment Solutions business is EMV (Europay, Mastercard, Visa) ready with EMV-certified payment processing.

EMV, referred to frequently as “chip and pin” is a technology standard for secure processing of credit cards. Beginning October 1, SMB merchants will need to manage shifts in liability for fraudulent transactions if they are not EMV-enabled. EMV benefits include more secure credit card transactions; opportunities to support new contact, contactless and mobile terminals; and a reduction in chargebacks.

“While October 1 was an important date for EMV readiness, it was really just a starting point,” said Paul Bridgewater, CEO of Sage Payment Solutions, the payments division for Sage North America. “Cardholders are continuing to receive their chip-enabled credit cards, while businesses are actively investing in their payment environments to support the required changes. That said, achieving EMV certification is a major step forward, and Sage will be certifying additional hardware in order to offer our SMB customers, business and integration partners a full suite of EMV-capable solutions.”

via Sage

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