We've been getting quite a few inquiries about the upcoming liability shift for credit card processing in the U.S. and how this fits in with Atrex. So to help answer some of the questions, here is what we know at this point.
The liability shift for credit card processing goes into effect on October 1st, 2015. In short, the liability shift means that merchants processing card present transactions using non-EMV devices with EMV-compliant (chipped) cards assume liability for transactions that are found to be fraudulent. It's our understanding that this only applies to card present transactions, and that the liability for keyed transactions will not change.
In preparation for this liability shift, we are currently working on implementing an EMV capable integration in Atrex with Mercury Payment Systems (MPS). This EMV integration will use the Verifone Vx805 device to provide for EMV card present, swiped card present, and PIN based debit transactions. Card on file and manually entered card processing will be either identical or very similar to what is currently available with our existing MPS integration.
For those of you using MPS with the MagTek iPad devices, you will be able to continue to use the iPad devices with a slight change to the processing flow and swap out to the Vx805 to implement EMV processing at any time.
Regardless of which device is used with the new MPS integration, it allows Atrex to be out-of-scope with regards to the PCI requirements because Atrex never handles the full card number.
PC Charge: PC Charge has been discontinued and Verifone's support for existing installations will no longer be available after October 1st or when your support contract for PC Charge expires. The official
end of life statement for PC Charge is available
here.
As we may need to make architectural changes to Atrex to provide for EMV processing, support for PC Charge may be discontinued in a future release of Atrex.
Please note that this is the information that we have currently available and it is subject to change.