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18

Apr

晶片信用卡加快結帳本月起免簽名

晶片信用卡加快結帳本月起免簽名對大排長龍等結帳感到厭煩的購物者，可能會看到情況改善。信用卡公司美國運通、發現和威士卡，從本月起，將不要求使用晶片卡的顧客結帳時簽名。行業專家指出，取消簽名對零售商和消費者都是好消息。簽名不再是檢查購物者身分的可靠方法，簽名規定只會使交易放慢。創辦個人理財公司MagnifyMoney的克雷蒙茲(Nick Clements)表示，很多國家已取消簽名，改用晶片和個人識別密碼科技，後者需要購物者刷卡後輸入一個獨特號碼。克雷蒙茲說，取消麻煩的簽名，可使信用卡交易更容易順利進行，何況很少人查簽名。英國在2004年就取消簽名，「我們落後很多」。數十年前，商家可能依賴顧客簽名來證明身分。但是信用卡公司透過分析顧客交易歷史和辨識開支模式，研發出精密的防範身分詐欺新方法，使得簽名完全沒用。此外，信用卡網站CreditCards.com專家舒茲(Matt Schulz)指出，很多商家已停止對小額購物要求簽名，所以顧客甚至可能未察覺簽名取消，因為他們已習慣小額購物不用簽名。
20

Dec

What is Interchange?

Understanding Interchange It’s the underlying cost of a credit card sale. There are many entities involved whenever you process a credit card transaction. First, there is the acquiring bank, who Dharma represents. Dharma and other MSPs are referred to as Merchant Service Providers. As you will discover merchant services are varied, but the MSP always represents you, the merchant. Secondly, there is the card-issuing bank. The card-issuing bank represents the customer, and is the bank who
14

Dec

什么是PCI COMPLY和相关费用

什麼是 PCI？你需要它?

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