Setting up for chip cards

[Morticia]

If this had gone correctly it would have been under office, policies. But, it has not.
I called earlier today, around 1, to find out when my machine would be programmed to do chip cards. I guess it's not a proactive processor because they told me I had to get the download, vs, maybe, they automatically do it?
After 35 minutes on the phone, the download started. After 90 minutes, it finished. Of course, my luck, the person who did the set up did not listen when I said I use a phone line to connect. It got set up for a WiFi connection. Which failed.
35 more minutes on the phone with a new tech and now waiting until the download is done.
Luckily, everyone checking in either paid in advance or is a repeat.

 

[OnTheShore]

But does your machine have the hardware required to connect to the chips? In my experience, there is more to it than just a software upgrade. (I was thinking about this as I swiped my card at the grocery store this evening... so many businesses are so far behind; this could be worse than Y2K! ;-)

 

[Morticia]

But does your machine have the hardware required to connect to the chips? In my experience, there is more to it than just a software upgrade. (I was thinking about this as I swiped my card at the grocery store this evening... so many businesses are so far behind; this could be worse than Y2K! ;-).

Yes. We got the machine with this day in mind. I just thought the processor would tell us they had the software ready. We tried running chip cards last year but they hadn't written the software yet.
Waiting now to see if it batches out on its own tonight.

 

[Arks]

I predict the chip switch will turn out to be a much bigger mess than Y2K.

 

[Generic]

I predict the chip switch will turn out to be a much bigger mess than Y2K..

It wasn't around here at all. It was almost invisible.
In fact the only time we notice is when companies haven't updated and we have to do things the old fashioned way.
In the last two years, that's happened to me at: Crate & Barrel, Red Lobster, Old Navy.... seeing a trend?

 

[JimBoone]

Asked about a new machine at least a year ago, but processor still says they are working on the "lodging program" and don't have machine available yet. We don't really use the lodging features anyway, but they insist we must have that program.

 

[TheBeachHouse]

what's a chip card?

 

[Morticia]

what's a chip card?.

what's a chip card?

Credit card with microchip built in. Look at your own cards.
Businesses are suppressed to be set up to accept these cards by October. Not all cards have the technology, tho.
Our machine won't accept a chipped card that we try to swipe, it forces us to use the chip reader.

 

[TheBeachHouse]

what's a chip card?.

what's a chip card?

Credit card with microchip built in. Look at your own cards.
Businesses are suppressed to be set up to accept these cards by October. Not all cards have the technology, tho.
Our machine won't accept a chipped card that we try to swipe, it forces us to use the chip reader.
.

what's a chip card?

Credit card with microchip built in. Look at your own cards.
Businesses are suppressed to be set up to accept these cards by October. Not all cards have the technology, tho.
Our machine won't accept a chipped card that we try to swipe, it forces us to use the chip reader.

I will check with DH if the bank has contacted him. Will make it a pita if the cards become unreadable. I guess we can type them into the res system if needed.

 

[undersea]

what's a chip card?.

what's a chip card?

Credit card with microchip built in. Look at your own cards.
Businesses are suppressed to be set up to accept these cards by October. Not all cards have the technology, tho.
Our machine won't accept a chipped card that we try to swipe, it forces us to use the chip reader.
.

I just read that they expect some 2/3rds to be set up by end of 2016 and 98% set up by end of 2017

 

[Morticia]

what's a chip card?.

what's a chip card?

Credit card with microchip built in. Look at your own cards.
Businesses are suppressed to be set up to accept these cards by October. Not all cards have the technology, tho.
Our machine won't accept a chipped card that we try to swipe, it forces us to use the chip reader.
.

what's a chip card?

Credit card with microchip built in. Look at your own cards.
Businesses are suppressed to be set up to accept these cards by October. Not all cards have the technology, tho.
Our machine won't accept a chipped card that we try to swipe, it forces us to use the chip reader.

I will check with DH if the bank has contacted him. Will make it a pita if the cards become unreadable. I guess we can type them into the res system if needed.
.

what's a chip card?

Credit card with microchip built in. Look at your own cards.
Businesses are suppressed to be set up to accept these cards by October. Not all cards have the technology, tho.
Our machine won't accept a chipped card that we try to swipe, it forces us to use the chip reader.

I will check with DH if the bank has contacted him. Will make it a pita if the cards become unreadable. I guess we can type them into the res system if needed.

Do you have a swipe machine or square?

 

[TheBeachHouse]

what's a chip card?.

what's a chip card?

Credit card with microchip built in. Look at your own cards.
Businesses are suppressed to be set up to accept these cards by October. Not all cards have the technology, tho.
Our machine won't accept a chipped card that we try to swipe, it forces us to use the chip reader.
.

what's a chip card?

Credit card with microchip built in. Look at your own cards.
Businesses are suppressed to be set up to accept these cards by October. Not all cards have the technology, tho.
Our machine won't accept a chipped card that we try to swipe, it forces us to use the chip reader.

I will check with DH if the bank has contacted him. Will make it a pita if the cards become unreadable. I guess we can type them into the res system if needed.
.

what's a chip card?

Credit card with microchip built in. Look at your own cards.
Businesses are suppressed to be set up to accept these cards by October. Not all cards have the technology, tho.
Our machine won't accept a chipped card that we try to swipe, it forces us to use the chip reader.

I will check with DH if the bank has contacted him. Will make it a pita if the cards become unreadable. I guess we can type them into the res system if needed.

Do you have a swipe machine or square?
.

what's a chip card?

Credit card with microchip built in. Look at your own cards.
Businesses are suppressed to be set up to accept these cards by October. Not all cards have the technology, tho.
Our machine won't accept a chipped card that we try to swipe, it forces us to use the chip reader.

I will check with DH if the bank has contacted him. Will make it a pita if the cards become unreadable. I guess we can type them into the res system if needed.

Do you have a swipe machine or square?

swipe.

 

[Generic]

what's a chip card?.

what's a chip card?

Credit card with microchip built in. Look at your own cards.
Businesses are suppressed to be set up to accept these cards by October. Not all cards have the technology, tho.
Our machine won't accept a chipped card that we try to swipe, it forces us to use the chip reader.
.

It will allow it only if it can't read the chip, three times. But at that point, you might as well call and make it a code 10, because there is something suspicious if it can't read the chip. The exception is Amex, which never did seem to get their chips to work with our machines properly.

 

[Skamokawa]

Asked about a new machine at least a year ago, but processor still says they are working on the "lodging program" and don't have machine available yet. We don't really use the lodging features anyway, but they insist we must have that program..

Back when we used a different processor, I asked for lodging AND restaurant (primarily so the tip area would show in receipts) but only the lodging features were added in spite of some back and forth about it. Couldn't be done. Another reason for square.

 

[Morticia]

what's a chip card?.

what's a chip card?

Credit card with microchip built in. Look at your own cards.
Businesses are suppressed to be set up to accept these cards by October. Not all cards have the technology, tho.
Our machine won't accept a chipped card that we try to swipe, it forces us to use the chip reader.
.

what's a chip card?

Credit card with microchip built in. Look at your own cards.
Businesses are suppressed to be set up to accept these cards by October. Not all cards have the technology, tho.
Our machine won't accept a chipped card that we try to swipe, it forces us to use the chip reader.

I will check with DH if the bank has contacted him. Will make it a pita if the cards become unreadable. I guess we can type them into the res system if needed.
.

what's a chip card?

Credit card with microchip built in. Look at your own cards.
Businesses are suppressed to be set up to accept these cards by October. Not all cards have the technology, tho.
Our machine won't accept a chipped card that we try to swipe, it forces us to use the chip reader.

I will check with DH if the bank has contacted him. Will make it a pita if the cards become unreadable. I guess we can type them into the res system if needed.

Do you have a swipe machine or square?
.

what's a chip card?

Credit card with microchip built in. Look at your own cards.
Businesses are suppressed to be set up to accept these cards by October. Not all cards have the technology, tho.
Our machine won't accept a chipped card that we try to swipe, it forces us to use the chip reader.

I will check with DH if the bank has contacted him. Will make it a pita if the cards become unreadable. I guess we can type them into the res system if needed.

Do you have a swipe machine or square?

swipe.
.

With the swipe machine - does it have the slot to insert the card into the machine or just the swipe part?
If you've got the newer machine with the slot then definitely contact your processor to get the download. Do not do it today! Wait until after the holiday weekend.
But not Tuesday either when everyone calls in with their problems!
If you don't have the slot you need a new machine.
Why? Because if you continue to use only the swipe on cards with chips and there is any sort of compromise of the card, it's your fault. End of story.
But, yes, my machine still works to hand enter info and there is no problem with doing that.

 

[OnTheShore]

So just to explain for anyone who doesn't know -- "Starting October 1, if you swipe the magstripe on the back of a chip card instead of dipping the chip, the liability for certain kinds of fraud shifts from the bank to you."
Not everyone will have chip cards right away, so you will still be swiping mag stripes, but when you are presented with a chip card, you should be dipping the card in a chip-card reader rather than swiping the card through a mag-stripe reader....

 

[Generic]

So just to explain for anyone who doesn't know -- "Starting October 1, if you swipe the magstripe on the back of a chip card instead of dipping the chip, the liability for certain kinds of fraud shifts from the bank to you."
Not everyone will have chip cards right away, so you will still be swiping mag stripes, but when you are presented with a chip card, you should be dipping the card in a chip-card reader rather than swiping the card through a mag-stripe reader.....

NOPE. Starting October 1st if you aren't equipped to read chip cards, the liability for counterfeit cards shifts to you, regardless of if the card is chip enabled or not. So, if you taken by fraud and you have a chip reader, things haven't changed. If you don't have a chip reader.... you are responsible, not Visa/MC.
Nothing to do with the card having a chip or not. Or if the transaction happens with a chip. It's all about the merchant being chip enabled.

 

[Momma Smurf]

So just to explain for anyone who doesn't know -- "Starting October 1, if you swipe the magstripe on the back of a chip card instead of dipping the chip, the liability for certain kinds of fraud shifts from the bank to you."
Not everyone will have chip cards right away, so you will still be swiping mag stripes, but when you are presented with a chip card, you should be dipping the card in a chip-card reader rather than swiping the card through a mag-stripe reader.....

NOPE. Starting October 1st if you aren't equipped to read chip cards, the liability for counterfeit cards shifts to you, regardless of if the card is chip enabled or not. So, if you taken by fraud and you have a chip reader, things haven't changed. If you don't have a chip reader.... you are responsible, not Visa/MC.
Nothing to do with the card having a chip or not. Or if the transaction happens with a chip. It's all about the merchant being chip enabled.
.

It also means that our current credit card machines will still accept chip cards, the only consequence is we eat the charges if it's a bad naughty card. Right? So, no need to jump through hoops until the whirlwind settles...

 

[Generic]

So just to explain for anyone who doesn't know -- "Starting October 1, if you swipe the magstripe on the back of a chip card instead of dipping the chip, the liability for certain kinds of fraud shifts from the bank to you."
Not everyone will have chip cards right away, so you will still be swiping mag stripes, but when you are presented with a chip card, you should be dipping the card in a chip-card reader rather than swiping the card through a mag-stripe reader.....

NOPE. Starting October 1st if you aren't equipped to read chip cards, the liability for counterfeit cards shifts to you, regardless of if the card is chip enabled or not. So, if you taken by fraud and you have a chip reader, things haven't changed. If you don't have a chip reader.... you are responsible, not Visa/MC.
Nothing to do with the card having a chip or not. Or if the transaction happens with a chip. It's all about the merchant being chip enabled.
.

It also means that our current credit card machines will still accept chip cards, the only consequence is we eat the charges if it's a bad naughty card. Right? So, no need to jump through hoops until the whirlwind settles...
.

What whirlwind? The US is one of the last places on earth that doesn't handle the chip cards. Visa, Mastercard and WallyWorld had to force the banks to change.
If you have a chargeback and you don't have a chip enabled machine.. you lose... automatically. Each and every time.
Why is everyone seem so afraid of every little change? Do you want more security? Less fraud?
One more important note... unlike a swiped card, the chip actually proves that the card was presented. So the guest's only way to claim that they weren't there is to actually claim the card was stolen. It means that they can't try a chargeback after staying with you without declaring the card stolen... in other words, they would need to commit fraud to back out of paying you if the card was presented.

 

[Momma Smurf]

So just to explain for anyone who doesn't know -- "Starting October 1, if you swipe the magstripe on the back of a chip card instead of dipping the chip, the liability for certain kinds of fraud shifts from the bank to you."
Not everyone will have chip cards right away, so you will still be swiping mag stripes, but when you are presented with a chip card, you should be dipping the card in a chip-card reader rather than swiping the card through a mag-stripe reader.....

NOPE. Starting October 1st if you aren't equipped to read chip cards, the liability for counterfeit cards shifts to you, regardless of if the card is chip enabled or not. So, if you taken by fraud and you have a chip reader, things haven't changed. If you don't have a chip reader.... you are responsible, not Visa/MC.
Nothing to do with the card having a chip or not. Or if the transaction happens with a chip. It's all about the merchant being chip enabled.
.

It also means that our current credit card machines will still accept chip cards, the only consequence is we eat the charges if it's a bad naughty card. Right? So, no need to jump through hoops until the whirlwind settles...
.

What whirlwind? The US is one of the last places on earth that doesn't handle the chip cards. Visa, Mastercard and WallyWorld had to force the banks to change.
If you have a chargeback and you don't have a chip enabled machine.. you lose... automatically. Each and every time.
Why is everyone seem so afraid of every little change? Do you want more security? Less fraud?
One more important note... unlike a swiped card, the chip actually proves that the card was presented. So the guest's only way to claim that they weren't there is to actually claim the card was stolen. It means that they can't try a chargeback after staying with you without declaring the card stolen... in other words, they would need to commit fraud to back out of paying you if the card was presented.
.

Just saying we are waiting until the rush to meet the deadline is over.
Are you sure that if we have a legitimate signature charge backs won't be upheld?
Also, about 65% or more of my charges are keyed.