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Insight on Merchant Payments and Data Security from 3Delta Systems

When to move to an integrated payment solution

Published: Mar 22, 2017  |  Author: Rick Ricker

As your business and card volume grows, you’ll save money by having your processing contract on “interchange plus” pricing, also called pass-through rates, on card transactions through a gateway that supports Level-3 data.

Interchange plus rates are lower and more transparent than tiered pricing, where you don’t often get the benefit of lower interchange from enhance data or other good card processing practices.

If you’ve moved into that medium-company range, between 1,000 and 10,000 card transactions a month or so, you’re doing enough volume to seriously consider an integrated solution.

Card payments up, checks down, fraud on the move, says Fed

Published: Mar 02, 2017  |  Author: Brad Barnes


Card payments are growing, as is the card fraud that’s tied to them, and check payments continue to erode, according to the latest federal data.

The news comes from the “Federal Reserve Payments Study 2016.” And if the information doesn’t sound groundbreaking, it does come as an endorsement of what sources in the payments industry have been saying for some time.

Card security tips for small business

Published: Jan 26, 2017  |  Author: Rick Ricker


The surge of fraud attacks in recent years is showing no signs of abatement, based on the latest Global Fraud Attack Index. Fraud rate rose 62 percent in just three quarters analyzed in the report. Even worse, the cost of fraud keeps climbing, too.

If yours is a new business or one that’s just now growing to a size where credit card payments are a necessary option, the thought of protecting customers’ credit card numbers can be daunting. Want to stress out or confuse a newbie merchant? Start tossing around an acronym like PCI-DSS.

It’s a scary crossroad, this junction of intimidated small businesses and ever more aggressive cyberthieves intent on hacking sensitive credit card data.

All aboard! Who’s getting on the blockchain train

Published: Jan 10, 2017  |  Author: Kara Szostek Lunsford


Last summer, we chatted with Kara Szostek Lunsford, director of Product Management for 3Delta Systems, about blockchain’s mainstream potential in the payments industry. But if there’s one thing we’ve learned about blockchain, it’s that things change quickly.

Companies pursued some 356 patents related to blockchain in November alone, and 12 percent of executives in financial services have deployed blockchain in production, according to the experts at PYMNTS.com.

Payment gateway basics, EMV vulnerability among 2016’s top posts

Published: Dec 29, 2016  |  Author: Brad Barnes

Last year, it came as no surprise that a discussion of EMV topped the list of most-read articles on 3Delta Systems’ Paying It Safe blog. After all, 2015 was the year of the big liability-shift deadline that coaxed many companies into adopting EMV’s chip-card readers at the point of sale.

So maybe it shouldn’t come as a surprise that 2016’s most-read post was a piece examining an exploit that hackers can take advantage of to make a card appear as if it doesn’t have an embedded chip — thus bypassing this authentication feature.

Readers were also very curious about another emerging technology, in dynamic CVVs, and a look at the realistic costs of Wendy’s massive data breach. And two pieces exploring the uses of payment gateways and how said gateways can lighten a company’s PCI compliance burden also garnered many reads and shares.

In case you missed any of these, here’s the full Top-5 list for the year.

Devaluing the data: The key to fighting malware

Published: Dec 21, 2016  |  Author: Ruston Miles


Today’s guest post comes from Ruston Miles, senior vice president and chief innovation officer for Bluefin Payment Systems. Bluefin, a 3Delta Systems partner, specializes in PCI-validated point-to-point encryption solutions.

As we close out 2016, the realization is much like 2015 (and 2014…and 2013) — data breaches are not going anywhere. In fact, according to the Identity Theft Resource Center, as of Dec. 13 there were 980 reported data breaches — a 26 percent increase over 2015’s total data breach number of 781.

Why do hackers breach point-of-sale (POS) systems and networks? To find valuable data that can be resold on the black market. At Bluefin, we liken data breaches to the equivalent of a modern-day bank robbery. Why rob a brick-and-mortar establishment when you can hack into a retailer’s POS, install a piece of malware, and watch the credit card numbers roll in?

‘Easy’ button for B2B payments? Diving into a new supplier portal

Published: Dec 16, 2016  |  Author: 3DSI staff


An endless source of friction between buyers and suppliers continues to be B2B payments. From paper checks and invoices, to phone calls and emails to track down payment statuses, to manual processes and hand-offs, there are many pain points impacting the flow of transactions.

To help ease that friction, 3Delta Systems and its companion company, AOC Solutions, recently announced a major boost of new features with AR-Exchange®, the companies’ innovative supplier portal.

And the industry is taking notice.