Switch Talk

Switch Commerce blog discusses industry news, terminal management, atm processing credit card processing best practices and new technology.

Report Says 24% of Data Breaches Come From Retail and Restaurants

by Michelle Latham

Data Breaches

This article covers a recent report released by Verizon that states that 24% of Data Breaches Come From Retail and Restaurants

How the ISO and Processor Need to Understand Processing Risk

by Michelle Latham

Merchant Account Risk Assessment

ISOs should recognize, control and mitigate the risks associated with credit card processing; this demands the knowledge of rules, regulations, and guidelines of card companies and regulatory bodies. The knowledge of in-house risk as well as the importance of accountability allows ISOs to provide merchant accounts to companies of all varieties and sizes, even in [...]

GAO Says ATM Surcharge Fees Have Increased

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Banks are seemingly always in search of new ways to generate revenues and line their pockets with the hard-earned cash of their customers. Though ATM fees are certainly nothing new, their recent increases have been the subject of much debate as of late. According to the latest Government Accountability Office (GAO) investigation report, over the [...]

The Intro Guide For Merchants on EMV Technology

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EMV allows for a chip technology that has the added benefit of reducing stolen payment card data. The distinguishing feature of EMV is a secure chip that is imbedded in the plastic payment card. Once a card’s data is compromised a counterfeit card would be unusable without the presence of that card’s unique components. This [...]

The Future of Interchange Fees

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Before credit card payments took over the marketplace, paper checks were the typical method of payment to merchants. This has changed, however, as bank-issued cards are now the standard method of payment. What caused this change? In part, it was a shift in the balancing act issuing banks played with Interchange fees. As a result, [...]

EMV Adoption is Coming to the U.S.

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The adoption of EMV in the United States is coming and it will affect the whole industry. Therefore, all participants will need to receive the needed information so they can understand how they will be affected by chip enabled payment cards. EMV Adoption For Financial Institutions Card issuers will need to think about what the [...]

Expect More States to Consider Banning Checkout Fees

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This blog covers checkout fees and how many states are considering to ban swipe fees and how some major retailers have no intention of charging them.

Recent Study Says Credit Card Usage Spurs Growth in the Economy

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The article covers a recent report released bu Visa which explains how the usage of electronic payments impact the growth of the economy.

Best Practices in Regard to Your ATM’s Physical Security

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This blog covers threats your ATM faces as well as how to lower your risk of compromising your ATM machine.

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