EMV Processing

EMV Processing

Chargeback liability has shifted. EMV chip card technology protects you.

In October 2015, Visa, MasterCard, Discover and American Express mandated liability shifts for fraudulent transactions. This means that merchants using legacy magnetic stripe readers for accepting credit cards carry the entire burden for merchant chargebacks if a card with a chip is swiped. While EMV payment terminals are typically more expensive to purchase than magnetic stripe readers, it’s important to weigh the upfront cost against the potential long term cost of paying for customer initiated chargebacks. Many consumers will prefer using merchants capable of processing EMV transactions because EMV advertises an enhanced level of payment security.

EMV enhances your level of payment security.

EMV Terminals

PAX Payment Terminals

Heartland Restaurant POS uses PAX S300, and SP30 payment terminals with built-in pin pad. They offer EMV, NFC/contactless, and MSR and are PCI PTS 3.1, MasterCard PayPass, Visa payWave, American Express ExpressPay, and Discover DPAS certified. Any Heartland Restaurant POS tablet, whether Ethernet or Wi-Fi connected, can initiate and perform transactions on any PAX terminal on the same local network.

Near Field Communication

Near field communication (NFC), is a form of contactless communication between devices like smartphones and smartwatches using Apple Pay and Android Pay. MobileBytes POS paired with the PAX SP30 payment terminal allows a user to pay for their purchases using their smartphone or smartwatch. Compared to EMV, NFC transactions are much faster and provide the same level of chargeback protection.


POS and Phone