- Swipe a credit card when the card is present or key the
account number for phone orders
- Require the last four digits of the credit card number to be keyed to
reduce exposure to counterfeit cards
- Verify cardholder address and validate card ID numbers to reduce
fraudulent transactions and charge-backs
- Preauthorize charges, then include tips in a follow-up transaction
- Use one point of communication (one computer runs the credit card server)
for all credit card transactions in the system
- Use safe, encrypted Internet communication (with Mercury Payment Systems
and PCCharge Payment Server) or standard telephone dial-up authorization
(with PCCharge Payment Server only)
Mercury Payment Systems
Mercury Payment Systems specializes in credit card processing integrated in point
of sale systems. Some of Mercury's benefits include:
- Software for processing with Mercury Payment Systems is included at no charge
in Point of Success Standard and Point of Success Premium software version 2.2 and above
- Mercury's fees can be very competitive, in many cases offering merchants
substantial savings over their current processor
- Delivery restaurants can use two merchant accounts with Mercury (one for dine-in
or carry-out when a card is present, and a separate account for delivery telephone
orders) to save on processing and discount fees
- Rapid merchant approval
- Easier end-to-end technical support services from both the Point of Success and
Mercury Payment Systems technical support groups
- Gift card processing is free when you use Mercury Payment Systems for your
credit card processing
For additional information about Mercury Payment Systems, contact your Point of
Success dealer or Point of Success staff at (800) 752-3565.
Processing Using PCCharge Payment Server
Using PCCharge Payment Server, merchants can, in most cases, stay with their
current credit card processor. See the PCCharge web site for details on this software.
Important: Before purchasing PCCharge Payment Server and the Point of Success
PCCharge Connector, contact your credit card processor to confirm that they support
restaurant credit card processing with tips for your merchant account. Some processors
will place credit card terminals in restaurant businesses that connect with processing
locations that do not process tips normally. You should also check the PCCharge certified
credit card processors list for this same information. If your processor does not support
restaurant businesses with tips or if your merchant account is not set up for tips, you
will not be paid for tips on credit card orders when using PCCharge Payment Server.
The following are required for processing with PCCharge Payment Server:
- Purchase PCCharge Payment Server software through your Point of Success
dealer or other source (PCCharge Payment Server is required, other versions of
PCCharge are not supported)
- Purchase Point of Success PCCharge Connector software
IMPORTANT: Gift card processing in Point of Success
is not available when using PCCharge Payment Server.
PCI/PABP Compliance
The PCI DSS (Payment Card Industry Data Security Standard, also known as Payment
Application Best Practices Data Security Standard) was developed to improve security for
credit card processing. Point of Success credit card processing is designed with these
security standards in mind:
- The full content of any track of the magnetic stripe is never stored
- The only information from the credit card that is ever stored is the
card number and expiration date
- The card number is stored with strong encryption for a short period of time
to facilitate void transactions
- Encrypted card numbers are automatically purged after 10 days
- The card validation code (three or four digit number printed on the back or
front of the card) is never stored
- Full card numbers are never displayed to system users after they are entered
- Card numbers printed on receipts are obscured (masked) with the exception of the last four digits
- The decryption key for the card number is not available to any user or technical service supplier
In consideration of these elements, Point of Success software is compliant with the
Payment Card Industry Data Security Standard version 1.1.
Protection of credit card information involves much more than just the point of sale
software you use. Other elements include setting up and maintaining a secure network,
internal business security practices, and using a PCI compliant credit card processor.
It is a merchant's responsibility to ensure that all the data security standards are met.
Get more information about and read the complete PCI DSS at this web site:
https://www.pcisecuritystandards.org
|
