Sage 100

Credit Card chip compliant readers has any one found a chip compliant reader that will integrate with Sage100 ?

Can't you get them thru SPS?

Good question Brett. I had not considered that but I will certainly look there now.

Sage just issued a press release that they are EMV compliant. Here's what their site shows for compliant terminals: http://www.sage.com/us/sage-payment-solutions/na/~/media/site/Sage%20Payment%20Solutions/responsive/docs/EMVTerminalWeb

Thanks @WayneSchulz I wonder though if any of these will work with Sage100 and what Sage100 versions would be supported. I've already emailed our SPS rep to see what will integrate with Sage100. I'll send this link to her and see if she can tell me more.

Good question. Based on the appearance, I doubt they connect through Sage 100. Which eliminates all of the efficiencies that we have now with a swipe reader.

update! here is the reply that I received from our SPS rep. (I'm not sure what to think). EMV requirements do not apply to software based solutions only stand alone desk top credit card terminals. We can move forward and order the Magtek reader for them when they are ready to proceed.

Bizarre explanation. What is the difference from a POS perspective? I have a card in hand. I swipe it into Sage via a USB reader and I don't have to worry about being compliant. If I use a credit card terminal, I do have to worry??

I'm not really buying that answer either, and I asked her to elaborate

Good luck on getting an answer out of her. Doubt if she really knows (worse yet, will ANYONE at SPS know??)

Also spotted on the Sage KB: EMV directly impacts businesses that currently take payments as a ""swiped"" or ""card present"" transaction. Resolution Sage is integrating the PAX s300 with Sage software and will be making this solution available to customers. As a short--term interim solution a Class A terminal such as the Ingenico iCT 220 or iCT 250, or a Verifone VX520 or VX680 can be used to process card payments with the payment information automatically posted back to your Sage software. Please contact Sage Virtual Terminal Support at 877.470.4001 or by email at VirtualSupport@sage.com for any questions or to discuss your options.

interesting, I guess I should be calling support and not my SPS sales person here is her answer. If they have an actual credit card terminal then they would want to replace with a terminal that is able to read the chips. So regarding POS, the requirements for chip reading come directly from the card associations, Visa, MasterCard, Discover. The guidelines from the associations mandate that stand alone credit card terminals must be EMV compatible by October 1st. POS was not included in this deadline. POS at some point will be addressed, I have been told that the technology for reading a chip card within a POS is not yet completed. I am almost certain that once it is completed then a deadline for POS will be set. At this time there really is not deadline nor a requirement that a POS enable chip. This does not mean they are not compliant, this only means that as of today there is no deadline nor requirement relating to POS users for EMV. It is coming, but it has not been announced. My guess is it will be awhile as you have millions of retailers that still have not replaced the machines. I hope that helps.

One reason I make it clear to customers that they are responsible for PCI compliance and that I am not in the business of providing such advice.

I agree and I've made it clear that I'm not providing advice about compliance but I do need to help them get a terminal that will read the card and send it to Sage100 so the user doesn't have to manually type it in.

There are a couple of questions that can help you determine whether EMV applies. Is the Sage software user actually accepting payments within the Sage application? If so, is an actual card ""swiped"" during the transaction? Or is credit card information manually keyed in or recalled from a secure ""vault""? If a card is ""swiped"" during payment, your business is impacted by EMV and Sage recommends using EMV certified hardware. We also suggest anyone that has any questions about EMV to visit our Sage EMV website.

EMV stands for Europay, MasterCard, Visanamed after the companies that created a global standard for credit and debit card acceptance. This standard is now adopted by all major brands including American Express and Discover/Diners Club. EMV credit and debit cards have a secure microchip on the front of the card. Adds a new level of security, protecting sensitive cardholder information. During a payment transaction the embedded microchip works in concert with an EMV-enabled terminal to complete the transaction. http://www.sage.com/us/sage-payment-solutions/emv

If your customer is processing credit cards through Sage 100, you can purchase the compatible device from SPS.

I am confused. So if you just want a USB reader/scanner the plugs into Sage 100 as a la a swipe reader, which one should be ordered???

One of the 2 that indicate EMV - Verifone Vx520 DM or the Ingenico ICT220

APS also has one

Actually, neither one of them ""appear"" to integrate with Sage 100. Both appear to be standalone units. So much for going forward with this. According to Wayne's post, the difference is whether you swipe the card or key it. If you key it into Sage, you lose the efficiency and pay a higher keyed rate. If you swipe the card, you gain the efficiency but are responsible if the card is fraudulent. If you purchase the EMV readers, you aren't on the hook for fraud but you lose the efficiency because the reader is independent of Sage. Or is it? What am I missing?

The readers replace the swipe. It is efficient, fully integrated with Sage Exchange in Sage 100, and more secure IMHO.

@MichelleTaylor, So you're sure that the VeriFone Vx520 DM and the Ingenico ICT220 will integrate with Sage100? My client is looking to purchase 10 units for 4 locations. I emailed SPS and Sage100 support yesterday around noon - no answer back from them at this time.

@DavidOverholt I received that list from the SPS (Agent Manager Department) as the only compatible devices for Sage 100.

@BrianKelly - Can you comment on this since your company wrote the APS interface. Are there other EMV readers available? Are they plug n play?? I have several clients that I have to direct to a compatible unit. Also, as a general question, is the merchant liable for accepting CC if it does NOT have a chip??

@JeffSchwenk I've been told that responsibility is at the highest level of ""incompatibility"" so if the CC issuer does not provide a chip they are incompatible with the new regulations and they take on the responsibility. If the Card has a chip and the retailer only reads the magnetic stripe then they are accepting the responsibility. Again, I am not an expert but that is how it was explained to me

Hey @JeffSchwenk Brian is in SC where they are having all the rain and flooding. I hope he is ok and thinking of everyone is SC .

@BrianKelly - thinking about you too! I was in Myrtle beach 2 weeks ago, right when the first rains started, visited Charleston. what a great historic area. I hope all the residents are ok and all the 200+ year old buildings survive this.

update on the CC swipe machines. I called Sage support - Ronnie told me that Sage100 will not be compatible with Chip technology until January. - the confusion continues! My client has ordered the VeriFone Vx520 and we are going to hook it up and test as soon as we can. I'll update everyone on how that goes.

So does the liability transfer to Sage since they are incompatible with chip technology???

@JeffSchwenk, Brian Kelly is busy cleaning out a family member's house after significant flooding. Columbia, SC got hit pretty hard over the weekend. We've never seen water like this, and we've seen a lot of flooding in our area over the years. I'm in Charleston, SC, where our streets flood almost at every high tide. I believe Columbia got hit worse than we did. The data returned from the EMV readers is not exactly the same as the data returned from the mag stripe reader. Nor is the interface as simple as it used to be. At this point I do not believe there is a ""plug and play"" option without programming changes in the interface to Sage 100 ERP. We are working on it now for the APS integration. In my reading of the rules, if a merchant accepts payment on-site, the merchant could shoulder the liability of a fraudulent transaction if the original card used in the fraud (the card that was copied, for example) was issued with an EMV chip but the merchant did not have equipment to read the EMV chip. Fortunately, for our Sage 100 ERP users, very few accept on-site payment. For those that do, it would be good to move to EMV as soon as possible. We'll let you know as soon as the integration to APS is ready and what equipment is required. I do not believe that SPS supports EMV directly into Sage 100, yet, but I could be wrong.

@PhilipWhirley Thanks for the feedback. Hope everyone gets dried out quickly. I drove up from Savanah to Columbia to Charlotte on Saturday. Looks like I missed the brunt of it.

@DavidOverholt and @JeffSchwenk and @DianeRuth and everyone else who has been thinking about all of us in SC, and big THANK YOU for thinking of us and keeping us in your prayers (you spiritual folks). Our peeps are safe and accounted for, but there are a LOT of people who have lost loved ones and others who have lost everything they own. As you can imagine, nobody expected this level of devastation in this area of the state. All of us at ASI seemed to have escaped any significant damage or loss.

Well, some interesting feedback from my Sage contact regarding the compatibility of Sage 100 with an EMV reader. Thank you for bringing this to our attention. We have reached out to SPS and they are providing us with information. Support has been contacted so we are all on the same page. An SPS test account has been set up and we are moving forward with our testing today. Sage is on it!!!!! OMG Really???

if Sage was on it - wouldn't it have been tested and working already - just saying!

TG they still have resellers......

ok the latest from Sage Payment solutions. They confirmed that there are not any chip compatible readers that will integrate with Sage100. Target date is early 2016 I got some good news though; the SPS Tech that I spoke to looked up my client and their account is setup as a MOTO merchant type (Mail order/Telephone order). MOTO type merchants are not required to use the micro chip card readers at this time.

@DavidOverholt - MOTO-very good info; not sure how the chip will ever be required for a MOTO account where the card is not present. Hmmm...