EMV® Cards: Chip-and-Signature vs. Chip-and-PIN


EMV® micro-chipped “smartcards”, which are gradually working their way into U.S. wallets, come in two versions: chip-and-signature and chip-and-PIN. The main difference between them is how they’re authenticated at the point of sale.

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Credit Card Declines and the Online Shopper


With the advent of mail order, telephone and online shopping, card-not-present (CNP) transactions have become commonplace. However, according to an independent study released last year, 17 percent of consumers have had their credit cards declined in CNP transactions. It concludes that the result is consumer aggravation, increased operational costs for banks and credit card companies and as much as $40 billion in lost revenue for online retailers.

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Meeting the Expectations of the Digital Consumer


The everyday lives and digital lives of most American consumers are now wholly intertwined, according to a recent study, and the ownership of mobile devices is revolutionizing the consumer shopping experience. Is your business ready to meet their expectations?

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What is PII?


PII is the acronym for the term Personally Identifiable Information — any information that can be used to distinguish or trace an individual’s identity and/or can be linked to an individual’s financial, educational, medical, or employment information. Obtaining PII by any means necessary is the goal of identity thieves and hackers, and it’s up to all of us to keep PII secure and out of their reach.

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Hacking Tops List of Americans’ Fears


Hacking — whether of credit card information, computers or smartphones — tops the list of crimes Americans worry about most, according to Gallup’s most recent annual crime poll conducted in mid-October.

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