EMV Chip Card Reader Information & Credit Card Processing Safety - See Below

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EMV Chip Card Reader Information & Credit Card Processing Safety - See Below

See Below

Important EMV Chip Card Reader Information - See Below

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Description

If you would like a Chip Card Reader and Can use a processing company other than PayPal, Click Here, otherwise read on:

As mentioned in our product description, if you will be using our product with PayPal, you need to have PayPal’s Payments Pro with Virtual Terminal (need both which are typically bundled as ONE (1) account together) or a PayFlow Pro account.

You must have one of those accounts to be able to process credit cards using a computer with PayPal as the processor.

If you do not have one of these accounts and want to use our solution with PayPal, please call our customer service line at 224-677-0283 to find out how to get set up with these accounts quickly and easily.

Important EMV Chip Card Reader Information

Keep in mind that while we created this swipe solution for these merchant accounts, these Merchant Account Systems were designed as, and have always been, manual entry (not card present) systems.

Because of that they are not able to handle encrypted data from a Chip Card Reader as they are expecting non-encrypted data that would have normally been typed in through a computer keyboard.

Our system merely takes the non-encrypted data that is on the magnetic strip located on the back of a credit card (even a chip card) and sends it through to the merchant processing company (PayPal / PayFlow / Stripe) just as if someone was reading and typing that identical data off the credit card.

Even though you may be using our Magnetic Card Reader to swipe a credit or debit card to grab the Card #, Name and Expiration date, the data is being sent to PayPal through the PayPal "Payments Pro" or PayFlow Pro" Gateways as if you were merely typing the data through a website and PayPal is still processing the transaction as a "Card Not Present" Website transaction.

According to published information, Website Card Not Present Transactions are exempt from the the fraud liability issues related to EMV chip card transactions. (you should check with your PayPal Account Representative if you have any additional quesitons regarding this)

Magnetic strips will continue to be on the back of credit cards for some years to come so you will still be able to use this system with PayPal even as the new EMV chip cards are distributed.

With liability for fraudulent transactions being shifted more and more to the businesses who accept credits cards, it is more important than ever to practice proper credit card handling at all times as described in the Credit Card Processing Safety Section below for more information on this subject.

We will never tell you not to get an EMV compatible credit card processing solution; it just is not compatible with this PayPal Swipe Processing System for computers.

For our USA customers, we will be coming out with a computer swipe EMV Chip Card Reader and Corresponding Merchant Account Program Shortly – but they will not work with PayPal.

If you have any questions on these programs and specialized readers, please contact us at (224) 677-0283 x 2

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CREDIT CARD PROCESSING SAFETY

With liability for fraudulent transactions being shifted more to the businesses who accept credits cards, it is more important than ever to practice proper credit card handling as described below:

1)    With any system processing credit cards through a computer / tablet / smartphone we always recommend a wired secure direct internet connection or secure password protected Wi-Fi internet connection (not public) when processing any payments as well as smart handling of any credit card data (i.e.: not writing down credit card information on paper etc.)

It has been shown that even the new chip cards can be hacked by a person standing behind you with a special scanner to read the chip data. (you may have seen recent TV commercials selling protective wallets to block scanners – but the minute a person takes their card from the wallet, they may be potentially vulnerable to having their credit card data stolen)

2)    We also recommend verifying a customer (when a credit card is handed to you) by checking their Driver’s License picture and Signature with the Signature on the back of the credit card to verify that the person handing you the card is in fact the same person.

3)    Make sure to get a signed receipt with a signature that matches the one on the driver’s license.

(For #2 and 3) These practices are highly recommended and were basically required years ago but for some reason are no longer practiced – BUT SHOULD BE!

We HIGHLY recommend following all these procedures.

Also - Our software automatically dumps all credit card data once the transaction is processed. If you have any invoices in our software that do not get processed, please delete them immediately.

We hope you employ these protections in your conduct of business with credit card processing.

USBSwiper.com  -  (224) 677-0283

Latest Customer Reviews on USBSwiper

There are many positive things we could say about USBSwiper. I think the primary one is that it is a very clean and easy way to integrate a PayPal account with a physical store location and is the ideal transitional tool for online merchants who find themselves wanting or needing to sell offline. We roast and package premium coffees and sell them online, in our brick and mortar store, and wholesale through about 75 grocery stores in the Midwest.

We needed a USB card reader to test all of the cards we review, and are so far super happy with the reader we got from USBSwiper. No issues scanning at all, and it even reads some cards we've found difficult to swipe at various restaurants and cafes etc. Highly recommended!!

Carley Gregg - Nurtured Sew Naturally

I LOVE my USBSwiper!! I recently got USBSwiper.com's credit card processing system for Paypal Virtual Terminal just before attending my 1st ever event. Set up & testing to make sure it was working was quick & easy - and then actually using it at my event was a breeze! I got 2 sales that otherwise I would not have gotten! (folks who had spent the cash they brought & only had plastic to use) and I was the only vendor there accepting Visa/MasterCard - it gave me a definite edge over other vendors - I even had customers comment that it was so neat how well prepared I was. I have been recommending USBSwiper to ALL the other shop owners I know since I found your site - and now that I've had a chance to use my swiper - the recommendations will continue!!