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2018

NETePay 5.07 is now standard

Worldpay Integrated Payments will begin to deploy Datacap Systems, Inc.,  In-Store NETePay version 5.07.30 as the default standard for all new deployments starting August 29, 2018. This 5.07.30 version is versatile, feature-rich and, most importantly designed to be backwards compatible to previously enabled merchant deployment parameters.

 

With this latest In-Store NETePay, Datacap has evolved their best-in-class technology for future generations of POS developers, resellers and merchants.  Worldpay is pleased to partner with Datacap in bringing their trusted solution into a new era. The 5.07 NETePay is primed with new features and functionality.

 

Features 

  • 5.07.30 includes an automatic update component called the Director 5, which eliminates the need for any further DeploymentIDs.
  • Backward compatible to previous enabled merchant deployment parameters
  • PA-DSS Validated
  • EMV Debit supported on Ingenico and Equinox pads (more pending)
  • Store & Forward*
  • EWIC*
  • QuickChip for supported Ingenico and Equinox pads (more pending)

*requires integration changes

 

Important Support notice

 

Starting August 29, 2018 Worldpay Integrated Payments will default to generating PSCS staging files registered under NETePay 5.07.30. DeploymentIDs generated with the 5.07.30 will NOT be compatible with older NETePay version, so it is important not to mix the older DeploymentIDs with this newer application component.  Application version and DeploymentID version must be in sync!

 

POS Developers: Although this NETePay is backwards compatible, we want you to let us know when you are ready!  Many of you have already contacted us about your systems compatibility with a NETePay upgrade.  The previous 5.06.11 will still be made available if required. Our integration and support teams can assist with making sure you have the right NETePay version that meets your business needs. 

 

Installers:  You will need to update the In-Store NETePay running on the local POS and in any distributed installers or zip-drives. If this newest version of NETePay cannot be supported at the time of the merchant installation, contact Worldpay customer support and request an older version of NETePay be used when generating DeploymentIDs in the PSCS stage file creation.

      

 

For new or existing Worldpay IP developers, our integration team specializes in the Datacap interfaces and additional details about how to integrate the dsiEMVUS solution are located in the quick start guide.

 

For more information

For additional information or technical assistance on Datacap’s payment interfaces, contact us today

Parag Patil in London

 

Recently I had the opportunity to visit London and I was amazed by the convenience of contactless pay everywhere. For those of you who use Apple Pay with the Apple watch, you might have already experienced some of this. Despite the convenience and habit-forming nature of paying with the Apple watch, here in the USA, the adoption is not widespread and we’re still forced to get our cards out of the wallet. This is where London hits the mark in terms of universal adoption everywhere, thereby unleashing the true power of wearables.

 

From the moment I landed in London and took the metro to the city, I used my Apple Watch to pay everywhere till I caught my flight back at Heathrow. Though it seems like a minor convenience, it is a major advantage not having to get a card from the vending machine or trying to figure out the ticket price with the exchange rate. In fact, there was a day when I completely forgot to take my wallet with me because I never had a reason to get my wallet. I recall taking the bus and ferry to Greenwich and my Apple Pay worked there too. The simple act of raising your wrist, shaving a few seconds vs. getting cards out of wallet (or even the phone!) is what makes this delightful and habit forming experience. I must admit this meant I wasn’t aware at times how much I was paying for the ride.

 

They also have contactless pay at restaurants and bars, so no matter where go you can pay from your wearable Apple Watch. This reminded me of Disneyworld in Orlando where they give you a wrist band which acts as universal ticketing for the duration of stay and works seamlessly with rides and restaurants within the park.

 

Surely as we see more merchants adopting contactless with newer terminals in US, there should be a subsequent uptick in the number of people using wearables for payments. The reason for lack of mobile pay adoption was that there wasn’t any substantial difference between taking phone out of pocket vs. taking the card out of wallet. So consumers stuck to their existing habit of using the card. If you observe closely, most people are either talking on phone while waiting in lines at groceries and hence they would rather take the card out vs. use the phone. Wearables change that dynamic with that one step reduced in payments i.e. removing the card/phone out of pocket.  And merchants will benefit from moving to accepting more contactless pay and issuers would benefit from participating in schemes like Apple Pay.

20 payments insights for 2021

 

Last year, digital wallets surpassed  debit card usage in the U.S., and digital wallets are set to overtake credit cards as the leading payment option within the next five years. Don't get left in the dust left by the digital boom. Check out these 20 insights from Worldpay's 2017 Global Payments Report to prepare your business for the future:

 

1.In 2016, credit cards were the most popular  payment method around the world, with 29% saturation. However, by 2021, that will completely change, as an estimated 46% of consumers will use their eWallets to shop , instead of their credit or debit cards.

 

2. China is the largest eCommerce market in the world, and that's not going to change anytime soon. If you want to capture this market, look into accepting Alipay and WeChat pay on your website to attract Chinese shoppers. 

 

3. If you're looking to expand your business's footprint in North America, look to Latin America. Argentina will have the fastest-growing eCommerce market in Latin America for the next 5 years, outpacing both Mexico and Brazil, thanks to their high internet penetration rate (80.1% of the population has internet access) and a large middle class population.

 

4. Passwords are so 2017. Biometrics will spell the end for passwords - not just for point of sale payments, but for customers who shop and pay on their mobile device or biometic-enabled laptop or desktop.Current methods include fingerprint scans, iris scans, heartbeat scans, voice recognition, facial recognition, palm vein scanning, and even ear prints. 

 

5. Biometrics will go beyond the humble fingerprint scanner. While nearly all mobile wallets have allowed for payment authentication via fingerprint scan or PIN in the past, Apple’s recent debut of the iPhone X, with its 3D face-scanning detection technology, is set to lead a shift away from fingerprint scanning. Where Apple goes, the market usually follows. 

 

6. India is the fastest-growing eCommerce market in the world. Demonetisation and a large population of unbanked consumers have contributed to the rise of eWallets, led by Snapdeal, MobiKwik, and Paytm.

 

7. Businesses that know how to leverage big data to tailor gather insights on how their customer demands and preferences change over time will be able to build a longer term relationship with their customers. For instance, Costco turns over its entire product suite 12 times a year to better serve its 75 million US subscribers. 

 

8. Hong Kong is one of the leading digital economies with some of the highest rates of internet saturation in the world at almost 90%. 

 

9. Baby boomers will be the cause of an eCommerce boom. By some estimates, global household spending by people aged over 60 in 2021 will be twice as much as seniors spent in 2010 - to the tune of $15 trillion. This is due to a large, tech-savvy aging population who are already comfortable using social networks and shopping . 

 

10. Credit cards are the method of choice for  shoppers in Japan. In the country with the world’s oldest population, low smartphone use among consumers age 65 and older is restricting mCommerce from growing quickly.

 

11. Aussies are increasingly opting for using their eWallets like PayPal and Visa Checkout over credit cards. BPAY is a popular electronic bill payment system in Australia that is quickly dominating other bill payment services. Another thing Aussies are into: international shipping. Nearly 20% of Australian eCommerce was cross-border in 2016.

 

12. While digital wallets will remain the global payment method of choice for eCommerce, bank transfers will also surpass both credit and debit cards in popularity, becoming the second most popular  payment method in the world. This is good news for  merchants, since there is generally a lower cost of payment acceptance for bank transfers than for payment cards. 

 

13. In Malaysia, eCommerce growth is expected to outpace traditional in-store sales over the next 5 years. 75% of Malaysian internet users browse the web via smartphone.

 

14. Last year Singapore overtook Silicon Valley as the Number 1 source for start-ups, so it’s no wonder that 73% of internet users in this high tech city shop .

 

15. The US has the oldest eCommerce market in the world. And US shoppers are pretty traditional, with 75% of  transactions in the US paid via Visa or Mastercard.

 

16. In the Netherlands, iDEAL is the most widely used payment method , with 1 out of every 5 purchases made on a smartphone.

 

17. Subscription services will grow in popularity, due to consumers who are happy to pay for convenience. Right now, 92% of millennials and 70% of retirees in the US have active subscriptions. Look for the subscription model to make an impact beyond content subscriptions, to luxury goods to sports equipment, and even cars.  

 

18. The top 3 digital payment services for Russian shoppers are Yandex.Money, Webmoney, and Qiwi. Nearly 50% of  shoppers in Russia make at least one  purchase a month. 

 

19. Consumers in New Zealand are all about platforms with Alibaba and Amazon both having significant presence. 

 

20. South Korea's advanced IT infrastructure means that nearly all households are connected to the internet and most adults have a smartphone. South Korea is one of the largest eCommerce markets in Asia, and is expected to see double digit eCommerce growth in the next 5 years. 

EMV compliance and the switch to chip-enabled cards and readers can have a big impact on reducing a merchant's interactions with fraud. Stolen data, particularly credit card and other sensitive data is still a large problem for companies. As long as enterprises store these materials in their databases, hackers will continue to try to infiltrate business networks to get their hands on customer information. 

 

EMV is leading customers to develop new habits like using mobile wallets with a biometric for a faster checkout experience. Discover 5 more ways EMV is changing the landscape: 

 

1. EMV readiness is growing.

 

Consumers will be able to use chip and pin credit at 100% of merchants by 2020.

 

Consumers should be able to use their chip and pin credit and debit cards at 99% of merchants by 2019 and 100% of merchants in 2020.

Source: https://www.statista.com/statistics/419777/forecast-of-pos-terminal-adoption-to-emv-usa/

 

2. The US is a chip market leader.

 

Now the US is the largest chip market in the world.

 

Before EMV adoption, in 2015, the US was 25 years behind the rest of the world when it came to chip-based cards. In October 2015, the US transitioned to chip-based cards after several high-profile credit card hacks at Target, Home Depot, Michaels, and other big-box retailers. Now, the US is the largest chip market in the world.  

Source: file:///C:/Users/U316770/Downloads/Is%20EMV%20Working%20ISV%20infographic%20(2).pdf

 

3. EMV cards combat counterfeit.

 

Fraud levels have dropped by 76% among merchants that have transitioned to EMV.

 

According to Visa, EMV cards have been effective in reducing counterfeit fraud, which is the most common type of fraud committed in the US. Merchants that have transitioned to EMV cards have seen fraud levels drop by 76% from December 2015 through December 2017.

Source: https://www.darkreading.com/risk/fraud-drops-76--for-merchants-using-emv-says-visa-/d/d-id/1331891

 

After the EMV rollout, fraudsters are getting more sophisticated.

 

Call center fraud rates have doubled since 2015

 

Fraudsters are adapting to the widespread use of EMV by moving to card-not-present (CNP) fraud. Since skimming and creating fake mag-stripe cards are no longer as profitable as they once were, fraud rings have turned to  chargeback fraud (making fraudulent purchases using stolen identities and card numbers), as well as targeting call centers with social engineering to steal account data. Call center fraud rates have doubled since 2015.

Source: http://totalaccess.emarketer.com/article.aspx?r=1015789

 

What’s next? Contactless. 

 

In Australia, 93% of payments are contactless.

 

EMV is already being outpaced by new and improved secure payments technology. In Australia, 93% of payments are contactless. In Canada, 51% of payments are contactless. Along with additional security, contactless payment also increases the speed of the transaction.

Source: https://www.retaildive.com/news/emv-payments-in-2018-the-state-of-the-update/521709/

4 security threats facing merchants

 

If a business accepts credit or debit cards, they're responsible for protecting their customers' sensitive data from theft and misuse. Knowing the payments security threats that merchants face can help prevent a catastrophe, like a data breach or penalty fines from the major credit card brands from occurring.

 

Check out our infographic on the main threats that merchants face today, as well as the solutions that can help mitigate their risk: 

 

Security threats facing merchants

payment gateway is generally understood to be a software accessible interface provided to various types of merchants that facilitate card or other forms of electronic payments.  Developers can use this top 5 integrations with a payment gateway guide to learn more about how to better understand the variations of payment gateways.

 

hosted payments gateway pros and cons
Hosted payment gateways

When developers code to a hosted payment gateway, the gateway provider hosts a checkout page on their own servers, and web applications direct visitors to this "hosted" page when the process payment comes up in an  shopping cart. Payment integrations using a hosted payment gateway are easy to integrate and are generally responsive and mobile optimized.

 

Pros:  PCI scope is more easily reduced by relying on the gateway provider to secure the payment page and handle sensitive information.

 

Many ISVs use an HTML iframe option, where the cardholders may not even know that they're visiting an entirely separate secure page where the card data is entered.  The process is a secure and seamless user experience.

 

Cons:  While many solutions try to make this process seamless, consumers sometimes recognize they are being directed to a different site for the part of the page that manages the completion of the checkout process.  If that is a clunky user experience, even though it is secure, it can increase cart abandonment due to concerns over security.

 

Review our Hosted Payments Page Overview documentation for information on processing via the Hosted Payments solution on the Express payment platform.


API accessible gateways

That's why many merchants that want more control over the checkout experience choose to host their own checkout pages. There are plenty of options to use a third-party shopping cart, rely on application ISVs, or use consultants or in-house developers to build their own applications. Here, the merchant’s website or app interacts with the gateway provider for payment transactions (Authorizations, Captures, Refunds etc.) using an SDK, XML or JSON API interface.

 

These type gateways offer more flexibility, but usually increase PCI DSS scope because merchants usually handle, store or transmit cardholder data.  JavaScript libraries that Tokenize sensitive data prior to transmission can come into play, helping keep applications out of PCI-scope. 

 direct payment gateways pros and cons

Direct gateways offered by payment processors

Major payment processors often provide their own gateways to simplify connections to their core payment platforms. Payment processors may provide additional features supporting card present, point-of-sale functionality as well as card-not-present functionality. Payment processors may also offer the same interfaces described above including hosted payment functionality, SDKs, and REST APIs.

 

Pros:  The advantage of dealing directly with a processor is that they may offer better pricing (because there are fewer intermediaries involved in the transaction), they can be faster and more reliable because there are fewer “hops”.  These gateways typically have better success rates in authorizing payments because the processor has full access to all the capabilities of their core payment systems. Plus direct gateways can structure transactions to maximize chances of success while also lowering interchange fees.

 

Cons:  Unless the payment processor gateway has experienced payment industry staff members to assist ISVs through the integration process, even relatively simple gateways offered by major processors can be more difficult to code to because they usually expose a richer feature set requiring a greater knowledge of payments.

 

Platform-centered gateways

And then there are solutions where merchants can load their product into a white-label solution.  Platform-centered gateways provide an infrastructure allowing merchants to offer goods and services directly from a full-service payment platform.  Solutions in this category allow merchants to maintain their own store on the platform itself and present a branded  storefront.

 

Pros:  Platforms of this type can solve a variety of issues for merchants including avoiding costly development or integration efforts and handling issues like internationalization, multi-currency support and a broader set of payment methods popular in different locales. These platform-centered gateways may connect to other gateways, and this may or may not be selectable by the merchant.

 

Gateway aggregator

Gateway aggregator solutions present simplified programming interfaces to developers and ISVs and also provide “back-end integrations” supporting a variety of other payment gateways. Here, the gateway aggregator acts as a  “switch” allowing developers to code applications to a single API and support a wide variety of other gateways when it is time to go to market.

 

Pros:  ISVs can offer a merchant their choice of gateway while reducing their own coding, integration, testing and maintenance cycles.

 

Cons:  A potential downside of this model is that integrations tend to be more general in feature-set, leaving more advanced features of some gateways unavailable.  Plus, every transaction goes through an additional step, where this additional business cuts into overall profits taken out of each transaction.


Click here to download our Payment Gateway Whitepaper and discover if your payment gateway is right for your growing business needs.

 

Take the developer survey to enter to win 1 of 3 $100 Amazon gift cards

We want to hear from you how payments developers work. Take any (or all) of our three developer work surveys to enter to win a $100 Amazon gift card.

 

We'll be giving away 3 $100 Amazon gift cards-1 for each short survey- so if you take them all, that's three chances to win! 

Sorry to be the one to break this to you, but someone has to say it: You’re not that great of a speaker. Sorry, but it’s just not your natural gift to wow a prospect, your employees, or an audience of colleagues.

 

public speakers are made, not born.

 

I’ll also share this good news with you: Public speakers are made, not born. Public speaking is a skill you can improve with study and practice, and I’ve got two resources that will help you in your quest to inform, entertain, and delight.

 

The books Do You Talk Funny? and Speak As Well As You Think offer practical guidance for speakers at any skill level. Do You Talk Funny? author David Nihill shares techniques from standup comics who – you might not have realized – are public speakers who keep your attention through storytelling and smooth delivery. I received Speak As Well As You Think as part of a course I took with John Vautier, a speaking coach at Vautier Communications, whose book details excellent fundamentals for public presentations.

 

The authors have different backgrounds and angles for their books, and their blend of perspectives will put you on the path to speaking excellence … or, at the very least, on the path to not boring your audience to death. Here are some of my favorite passages from both books.

 

Do You Talk Funny?

  1. Almost every book ever written on public speaking says humor is a key part of successful talks. Yet none of them explain well how to employ it, which is about as useful as handing a MacBook Pro to a goat.
  2. Simply reading these principles won’t make you instantly funnier, more successful, or more attractive. Add a little practice, however, and it just might.
  3. Stories are told, not read. The storyteller connects with the audience when there is no page between them. Know your story “by heart” but not by rote memorization. Know your story well enough so you can have fun.
  4. Make an outline, memorize your bullet points, and play with the details. Imagine you are at a dinner party, not a deposition.
  5. A good leader needs to know how to create a connection, and the fastest way of doing that is by making someone laugh. Employees are humans, and humans respond to humor.
  6. You want to use words like weird, amazing, scary, hard, stupid, crazy, or nuts. “It’s crazy how soft modern-day workers have become.” The use of an attitude word (crazy) in the setup helps people focus and pay attention quickly.
  7. The first thirty seconds of your presentation can determine the rest of your talk. Rehearse this thirty seconds the most. Include your second-best joke at the start and leave your best until the end to go out with the strongest impression possible.
  8. Self-deprecating humor is a great tool to have in your back pocket, but be sure not to undermine your own credibility with too many wisecracks or humorous comments at your own expense.
  9. People like stories, but they tend to love funny stories.
  10. You don’t need all of the audience on your side to be a good speaker; 30 percent is plenty. Laughter is contagious.
  11. End your talk on an applause line that underscores a clear call to action.

 

 

Speak As Well As You Think

  1. A presentation — one human being speaking to a group — is the engine that drives almost all decisions in which money changes hands, actions are authorized, or power is deployed.
  2. The only way to judge a talk is by its effect on the listener.
  3. What does it mean to “speak as well as you think?” It means that when you get up to present you’re described with words like: credible, confident, interesting, genuine, natural, compelling, organized, professional, passionate, clear, concise, and charismatic.
  4. Make eye contact with your audience — one person at a time. Don’t dart your eyes restlessly from one audience member to another.
  5. Don’t stand in one spot throughout your speech or presentation. Limit your movements; you don’t want to move constantly. End up with two feet solidly on the floor — not in an incomplete half-stepping position. The person who is visually balanced appears strong, confident, and in command.
  6. People who speak at a higher volume project confidence. On a scale of 1 to 10, with 1 being a whisper and 10 a shout, your speaker’s voice — the voice you use when giving a speech or presentation — should be your voice at a 7-to-8 level.
  7. An uninflected voice is heard as a drone, a soft buzz. More than anything else, it induces sleep.
  8. 95% of all speakers need to project more energy.
  9. It doesn’t matter if you’re comfortable; you only need to look and sound comfortable.
  10. When you begin to construct a speech, ask yourself: “When I’m done speaking, what do I want listeners to do, to know, and/or to believe?” The answer to this question is your thesis.
  11. Introduce your speech with a bold, interesting statement. Share a startling fact or statistic, a killer quote, or an analogy.
  12. Don’t let your speech die an ugly little quiet death at the end. Your last sentence needs to sound like your last sentence. Convey that intentionality.
  13. Charismatic leaders project genuine likability because they have a mindset of genuinely liking their constituents.

 

I hope these tips are useful to you – they’ve certainly helped me communicate more effectively. Here’s a speech I gave on the main stage at the RSPA RetailNOW Conference in Dallas in which I try my best to integrate the lessons I’ve learned. I certainly (and unfortunately) didn’t execute on every one of Nihill’s and Vautier’s techniques … but I didn’t put anyone to sleep either.

 

 

For more On the Edge content, please visit the Worldpay Partner Advantage website.

 

Jim Roddy is a Reseller & ISV Business Advisor for Worldpay’s PaymentsEdge Advisory Services. He has been active in the POS channel since 1998, including 11 years as the President of Business Solutions Magazine, six years as a Retail Solutions Providers Association (RSPA) board member, and one term as RSPA Chairman of the Board. Jim is regularly requested to speak at industry conferences and he is author of the book Hire Like You Just Beat Cancer.