Higher Education is in the spotlight and it’s not to highlight the good work that so many of you do day in and day out. You can’t watch the news or read the paper without seeing a negative story about tuition increases or the explosive growth of student debt. Politicians are tuned in, and the...
Last month, I discussed a simple truth for your cashiering PCs: “If you type or swipe payment cards, you’re in PCI scope.” PCI standards have evolved to include all of the touch points for cardholder data, including computers that touch this information for only nanoseconds as they transmit...
Payment card security has continuously evolved to provide more stringent protection for cardholder data. From its initial focus on large payment gateways and processors, the scope of cardholder data security has expanded to include all merchants , all sizes , and all systems . Compliance...
I recently found myself thinking that it was just two years ago when PA-DSS (Payment Application Data Security Standard) became “real” for many colleges and universities. Sure, the PCI standard was already in place. But it really hit home for many campuses when ERP vendors began changing the...
Did you know that PCI specifications have versions just like software? The newest version, PCI 2.0 , became effective on January 1st. The good news is that most PCI 2.0 changes do not add to your "to do" list. They simply clarify existing requirements. However, one clarification will...
Recently on one of our many flights around the country, John Murphy, Vice President of TouchNet, and I were reflecting on the changes in the financial world over the last two years. John made an offhand comment that sounded something like "Twas the night before the crash, and all through the...
The Credit C ard A ccountability, R esponsibility, and D isclosure Act of 2009 ( CARD Act ) became law in May 2009, bringing forward significant change for the credit card industry. For consumers, it provides a long list of new protections against deceptive or unfair business practices....
Rules, Regulations, and Reform 3 R's of Campus Payments When the pendulum swings in either direction, it goes to extremes. That's exactly what has happened in the finance industry in the last year or so. Not since the 1930s has there been more legislation passed affecting money and...
Debit card volume has grown exponentially in recent years. Merchants and consumers both appreciate the ease and speed of debit transactions. However, there is a dark side to debit cards, too. Merchants feel "dinged" by the high discount rate and consumers feel "dinged" by banking...
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