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

The development of usb swiper has allowed us to take our small business into it's rightful place in the business world. This application is not only affordable, it comes with a forum to troubleshoot, contact information for the developer and patient and educative owners. Drew has walked us through setting up the system, has addressed many of our personal needs within swiper- by alphabetizing the products list, adding different percentage discounts, different tax rates and they continues to keep their pricing affordable. We have tried to manage POS payments and contracts with other mac based POS providers and NONE compare to usb swiper. Drew has performed screen sharing with us many times- always eager to solve our immediate dilemma. The compact portability of the application and the ability to speak directly with the developer for troubleshooting has been a real pleasure. Buying Drew a beer to show our gratefulness for his efforts and keeping our POS system functioning at an affordable price is the reason usb swiper deserves the most innovative application award! Not only mac-users benefit from this app- but the UK is always on the forum seeking more!!!!! God bless you Drew and keep up the excellent work- looking forward to seeing your name in the big lights :) Kathy and Leslie at ten toes

My name is Countessa A. and I am the owner of True Perforations. My website is www.TruePerforations.com. The small business that I run is Body Modification services. The services include body piercing and Permanent Cosmetic services, along with jewelry sales. My business used to be solely run on cash only. In this day in age running your business that way is obsolete. Everyone, now days, doesn’t carry cash. I’m one of those people. So I decided to take my business further and start taking “plastic”. The only problem that I found with trying to accept that type of service through most banks is that they charge you way too much for the credit card processing service and for the equipment. Not to mention setting it up to your account was more of a hassle than anything. If I was a big corporation I’m sure it wouldn’t be a problem. But I’m not a big corporation. I then found PayPal’s Virtual Terminal. I had used that for some time. It was helpful for phone orders and web orders, but when it came to in person transactions; I didn’t really like having to type in all of my customers’ information every single time. That took a lot of time. After looking around some more for an easier (and faster) gateway, I found USB Swiper. It was relatively cheaper than anything else I had found. There were no super long term contracts, and the fees were super low. The thing that sold me was that they worked with PayPal and I no longer had to type in information! This is… RAD! It allowed me to me to store all my products and prices in this drop down menu… which makes it super for easy invoicing later. The one thing I loved the most is if I travel to a trade show or convention I could still take credit card transactions even if I don't have internet connection. I could process them when internet connection is back up or when it is available. That is also RAD! I have recommended many people (not just in my line of business, but others as well) to start using USB Swiper. I think every small or home based business should use this software. Not only is it amazing, but I would say everyone NEEDS to be using it. A lot of my customers’, who see and know that I use this, say that it’s neat and appreciate that it is small business friendly and happy they’re not contributing to a huge corporation. USB Swiper is super amazing, easy to use, and low cost. Everyone should be using it! If you’re not convinced yet, just look at their website and see what they have to offer. Sincerely, Countessa "Ms.Dee".

I purchased USB Swiper software and the swiper unit for one particular reason, I had a trade show to do. I needed the ability to quickly swipe credit cards and put payment into PayPal. My website has all that built in but I need portability and USB Swiper met my needs. We were at a 4 day show over 1,000 miles from home. Right from the first the software came up and operated. I did not have one glitch during the entire show and I was operating through a WI-FI connection the whole time. There are a few changes I'd like to see in the software interface but otherwise everything worked great and we were the top selling vendor at the show.