Wednesday, December 28, 2016

Important MasterCard Mandate Deadlines for WorldPay Customers

Update 3/23/2017: I was actually onsite installing Card Defender for a customer here in Idaho when she received a letter from Heartland addressing the same card number issues noted below. It was very comforting for the retailer to know that Card Defender meets or exceeds industry requirements for payment processing.

Another credit card compliance mandate - this time from WorldPay specific to 2 MasterCard Mandate Deadlines. Do contact your WorldPay  salesperson and your point of sale hardware and software provider to verify compliance if you received the communication below.

If you are orphaned, please contact me at 208-340-5632 or and I will do my best to assess your situation.

If you would rather contact me at RITE, I can be reached at  208-994-9404 or

P Logo 

Dec 20, 2016
Important MasterCard Mandates 
Action Required
At Worldpay, our valued customers and partner relationships are our highest priority. We are committed to providing trusted and reliable payments processing and are sending this important reminder requiring action with your point of sale partner.
MasterCard has issued two upcoming changes that may affect you, the MasterCard Unique Terminal Identification (TID) Mandate and the New 2-Series Bank Identification Numbers (BIN). While each update is very different, it is important to note the deadlines to comply are January 1, 2017 and May 1, 2017 respectively. You have been identified as a merchant that may be affected by these changes and may not already be compliant.

What is happening?
Effective January 1, 2017, merchants who do not adhere to the MasterCard Unique Terminal ID mandate which requires unique terminal identifiers for each independent card reading device in a single location, will fall into a status of noncompliance with MasterCard. For each transaction that violates this mandate, you may be assessed a fine by MasterCard.
All merchants with multiple card-reading devices, such as PIN pads, connected to a single host terminal are required to have each of their devices identifiable with a unique Device ID number to remain compliant and avoid fines from MasterCard.
What do you need to do?
To ensure you comply with the mandate, contact your point of sale partner immediately. Card reading devices are required to send separate and Unique Device ID numbers by January 1, 2017
If you would like to learn more about this mandate, click here to review MasterCard Unique Terminal ID Frequently Asked Questions (FAQs). For additional questions or concerns, contact your Worldpay Client Manager.

In order to support an expanding payments industry, MasterCard will begin issuing cards that utilize Bank Identification Numbers (BINs) beginning with a 2 in the range of 222100-272099. Effective May 1, 2017, merchants will be required to update BIN tables to support the new 2-Series BIN cards. If the appropriate actions are not taken, some MasterCard transactions will be declined at the point-of-sale (POS) and merchants in violation will be fined. 
What is happening?
Working with your respective partners, you will be required to update your POS terminal software in order to begin accepting and processing new 2-Series BIN transactions. If you do not update your software before the deadline, you will fall into a status of noncompliance. Each noncompliant merchant and/or ATM location may face fines in the as noted below.
  • Up to $2,500 per occurrence for the first 30 days
  • Up to $5,000 per occurrence for days 31-60
  • Up to $10,000 per occurrence for days 61-90
  • Up to $20,000 per occurrence for subsequent violations
A noncompliant occurrence is defined as any attempted and failed 2-Series BIN transaction that is confirmed as failed due to a merchant’s lack of readiness to support 2-Series BIN transactions.

What do you need to do?
Contact your point of sale partner immediately to make any necessary updates to BIN tables to support the new 2-Series BIN by the May 1, 2017 deadline.
If you would like to learn more about this mandate, click here to review MasterCard 2-Series BIN Implementation Frequently Asked Questions (FAQs). For additional questions or concerns, contact your Worldpay Client Manager.

© Worldpay 2016. All rights reserved. Worldpay, the logo and any associated brand names are trademarks of the Worldpay group of companies. Worldpay US, Inc. is a registered ISO/MSP of Citizens Bank, N.A., Wells Fargo Bank, N.A., and Eagle Bank, N.A.

Friday, December 23, 2016

End of Year Advice - 2016

A few "ponderings" to share as we close in on the final few days of 2016 and look forward to 2017:

  1. Please remember the true meaning of Christmas as you celebrate and reflect with family and friends - Jesus birth is the true "reason for the season".
  2. Take some time to plan out any physical inventory counts and ensure that you have the correct training on how to use any physical inventory count features in your point of sale software.
  3. Reflect back on how you use your point of sale system to spot any gaps or room for improvement (or a new system).
  4. Keep an eye out for pesky new regulations and security requirements so you are not blind-sided with outdated equipment that is non-compliant.
  5. Still using Microsoft Dynamics POS 2007/2009/2.0?  Full end of life for these programs is coming up on July 9th, 2019. While this is still a couple of years away, I'd recommend that you start thinking now about a migration plan. Keep in mind that you do qualify for a low cost upgrade to the new Retail Management Hero software.
  6. Planning on using Microsoft Dynamics RMS for the next few years (end of life is not until July 2020/2021 - depending on which support contract you are on)? A few suggestions:
    • Keep an eye on Retail Management Hero since the upgrades are fairly low cost and painless (but watch for differences in features, add-ons and functions).
    • Make sure that you are on version 2.02 of RMS so all the latest service packs and hot fixes have been applied.
    • Consider using Card Defender to ensure compliance with credit card security, EMV, SHA-2, etc.
    • Avoid Windows 10 if possible for the time being.
    • Make sure that you are aligned with an Dynamics Partner that is committed to supporting RMS, HQ and Retail Management Hero - we have actually acquired customers from around 3 different Dynamics Partners that are phasing out support for various point of sale software programs.
  7. Watch this blog and my YouTube Channel for more information on Cloud Retailer which is a cool hybrid point of sale system that combines the best of what cloud based and on-premise point of sale systems offer.
Right now it looks like I will be headed to multiple states in the first half of 2017. Confirmed so far are Seattle, WA, just about all of Idaho, Salt Lake City, UT, and Minneapolis, MN. Pending are Portland, OR, Denver, CO, Phoenix, AZ, Tuscon, AZ, Dallas, TX, San Francisco, CA, and San Jose, CA.

Do contact me at 208-340-5632 or if I can of assistance. Thanks!

Wednesday, December 21, 2016

Ransomware: What It Is and What To Do About it

Must read for any retailer with information specific to explaining Ransomware as well as what steps to take to prevent Ransomwear. This is an official government publication that can be found at:

Friday, December 16, 2016

Critical Deadline for First Data, SHA-256, and Microsoft RMS

A quick reminder that if you are using First Data for merchant services along with the Microsoft Dynamics RMS software that the deadline for being SHA-256 compliant is December 28th, 2016 (next week!).

If you have not yet taken steps to replace outdated credit and debit card processing equipment, it needs to be taken care of now as First Data has indicated that they will not allow processing via Datawire starting December 29th, 2016.

If you are unsure, it would be smart to contact your First Data merchant salesperson and/or your Microsoft Dynamics RMS Partner to confirm that your system is SHA-256 compliant.

The most common situation involves still using "old school style" credit card swipes that connect to a USB port or use a keyboard wedge style interface.

The good news is that there are multiple solutions to upgrade to SHA-256 compliant equipment AND still use the Microsoft RMS software. These options may include using a separate payment terminal or installing Card Defender for Microsoft RMS.

As always, contact me at 208-340-5632 or - I do work for a Microsoft RMS Partner so I can offer advice and solutions.

Wednesday, December 14, 2016

Updates on the Most Current Version of Retail Management Hero

Thanks to Retail Realm for providing this update related to the Retail Management Hero

Below are some updates related to the Retail Management Hero (RMH) point of sale software
which is a direct replacement for Microsoft Dynamics RMS as well as a great point of sale
software product for single location retailers. You can reach me at 208-340-5632 or for more information about RMH or RMS.

How to obtain a 30 day trial version of Retail Management Hero:

RMH 3.1 Now Available!

We're excited to announce that Retail Management Hero (RMH) 3.1.0 is now available for download and purchase. This new release provides a number of exciting new features, multiple bugs fixes, and numerous improvements. Highlights include:

New Features:
  • Gift Vouchers
  • Loyalty
  • POS Profiles
  • Role Based Access Security
  • New Integrated Payment Processors
 Fixes and Improvements:
  • Multiple bugs fixes and stability improvements
  • Custom POS Buttons Management
  • Improved Receipt Management
  • Import of Purchase Orders from Microsoft RMS to RMH
  • Transaction Item: Item Messages
  • Built-in Browser Improvements
  • Receipt Journal: Reprint a transaction using a different template
  • View Receipt from the Customer History
  • Add BIN location to Item Properties
  • Cancel Work Order functionality
  • Customer Search: Search by company

If you are an End User and/or Retailer, contact your software Vendor or contact
New feature training docs are published at in the Training Materials section. 
Visit the website at and then sign up / login. For questions or issues regarding the website, email

NOTE for ISVs: The 3.1.0 POS SDK version is linked to the corresponding RMH release version and must be used when developing apps and extensions for RMH 3.1.0. You can download this SDK from the RMH POS SDK Link in the Portal. Also, please note that this SDK is also included in the full distribution of the Retail Management Hero v 3.1.0 product and can be found under the RMH POS\RMH POS SDK folder.

RMH 6-Month Product Update Webinar 

The past 6 months have seen a lot of companies becoming trained and certified in RMH as well as Microsoft RMS users and retailers implementing the RMH solution into their business. This webinar will give you the latest product news, version updates, added features and functionality, marketing and sales news, implementation stories, etc. It will end with a Q&A.

Thursday, Jan. 12th, 2017
9 am PST
Retail Management Hero was co-developed by Retail Hero and Retail Realm.

About Retail Hero: Retail Hero is a company well-known to the Microsoft Dynamics RMS partners and customers because of its value-added plugins and add-ons such as customer loyalty programs, various utilities and "RMS Lite" point-of-sale program.  
About Retail Realm: Retail Realm is a multinational company specializing in creating and managing a portfolio of vertical business software solutions that are marketed worldwide through a community of resellers. 

Wednesday, December 7, 2016

RITE Card Defender for Microsoft RMS Wins Big Over Shift4

I am pleased to pass along that RITE recently closed a large sale with a retail chain using the Microsoft RMS point of sale software to deploy our Card Defender EMV solution.  The main competition was Shift 4 and the retailer initially balked at the up front costs for Card Defender when compared to the up front costs for the Shift 4 solution.

As both Card Defender, and Shift 4 provide an EMV/chip card processing solution for Microsoft RMS, a cost comparison was done to show the true long term costs of Card Defender versus Shift 4 over the course of 5 years.

The 5 year total costs for the Card Defender solution from RITE came in around $14,000.

The 5 year total costs for the Shift 4 solution came in around $48,000 (!).

Needless to say, the retailer choose Card Defender as their Microsoft RMS EMV solution.  This is an important example in terms of factoring long term costs (or Total Cost of Ownership) and not just comparing initial deployment costs when looking at EMV options for Microsoft RMS.

More information on Card Defender can be found at , by calling me at 208-340-5632, or emailing

Monday, December 5, 2016

RITE Customer in the News

Nice article about retail popup stores that features one of our retail point of sale customers:

I've worked with Mixed Greens for more than 5 years and also have about 7 other retailers within 6 blocks of Mixed Greens that are clients/customers as well. All of these stores use the Microsoft RMS point of sale software.

Always fun to see a customer in the news (in a favorable way)!

EMV Adaption News in The US

EMV adoption rates in the US continue to be around 50/50 for retailers in the United States for various reasons but it appears that the EMV adoption rates in US retail stores of all sizes will increase to 90 percent in 2017.  Obviously this would be great for retailers and consumers alike.

The full article can be found here:

I've personally seen a lot of smaller retailers contacting me in Q4 about EMV solutions like Card Defender as there are starting to see fraud as well as requests from consumers to have customer facing payment terminals so the stores employee's never come in to contact with the consumers credit or debit card.