Thursday, July 8, 2010
Wednesday, July 7, 2010
Need help with your payroll? In a recent client survey, 95% of customers we polled said they would hire us again as their payroll provider. Check out how we can help manage your reporting, compliance, POS integration, workers’ compensation and other payroll needs.
Payroll Services - Management, Automation & Processing for Human Resources (HR)
www.heartlandpaymentsystems.com
To help you manage your workforce efficiently, Heartland’s Payroll Services handles details such as reporting, compliance, POS integration and Workers’ Compensation — all with the pricing you need and the services your business and your employees' demand.
Payroll Services - Management, Automation & Processing for Human Resources (HR)
www.heartlandpaymentsystems.com
To help you manage your workforce efficiently, Heartland’s Payroll Services handles details such as reporting, compliance, POS integration and Workers’ Compensation — all with the pricing you need and the services your business and your employees' demand.
Tuesday, May 25, 2010
Report from QSR magazine.
www.qsrmagazine.com
Journalistic, Inc.
4905 Pine Cone Drive, Suite 2
Durham, NC 27707
phone (919) 489-1916
Heartland Payment Systems Know How to Keep it Safe
[2010-05-24]
Heartland Payment Systems has commercially launched its new, state-of-the-art payment card security technology — making it available to merchants and business owners nationwide.
Heartland has spent more than two years developing and ten months beta testing and iteratively improving this end-to-end encryption technology — called E3 — that is designed to protect cardholder credit and debit card data, rendering scrambled data useless to cybercriminals.
"Heartland leveraged its unique experience and knowledge to develop E3 — and made the financial investment needed to protect this sensitive information. Data is protected from the point of swipe and through Heartland's processing network — not just at certain points during the transaction flow," says Bob Carr, Heartland's chairman and chief executive officer. "We are making the highest degree of security available to every merchant regardless of size — without charging extra monthly or transaction fees and taxes. Additionally, because E3 does not allow card numbers to exist on or through a merchant's system or network — when combined with our Self-Assessment Questionnaire (SAQ) assistance services — E3 reduces the cost of PCI compliance and the risk of non-compliance for business owners."
In today's world, protecting card-holder data is critical — for merchants and consumers alike. In the past two years, there were more than 650 reported breaches — a significant number considering many believe the majority of breaches are never reported. That number continues to increase daily because — in just a few brief seconds — from the time a customer swipes a credit or debit card to pay for a purchase until the transaction is complete, sensitive card-holder data can be vulnerable. If a business' system is breached without encrypted card data, the owner may be forced to pay steep fines and deal with the stress and cost of legal issues, business recovery, and rebuilding customer confidence — and the possibility of going out of business.
To protect against this, E3 features layers of security using both software and tamper-resistant hardware — employing the Advanced Encryption Standard of encryption — AES — the most secure encryption algorithms available. E3 encrypts all Track 1 and 2 data from the card's magnetic stripe the moment it is converted from analog to digital data and enters a merchant's system as scrambled data ... never storing card numbers or passing them through the merchant's system or network.
"Centuries ago, cities across the world gave up on trying to protect themselves by making walls higher and thicker and more distant with moats," Carr says. "The enemy was always finding new ways to destroy the walls or circumvent the security efforts with Trojan horse attacks. We believe it is important to make card data indiscernible as it enters the payment cycle so if the firewalls are too weak, the enemy gains nothing of commercial value. We believe this is the enhanced security method the payment industry requires in today's world."
E3 is easy and cost-effective to implement. There are no changes to a merchant's daily routine or the speed of transactions — and no large equipment investment. Merchants purchase an E3 terminal or PC-based magnetic stripe reader/wedge at — or below — the prices of standard, less-secure processing equipment on the market today. E3 devices include EMV/chip card technology capabilities — which may be coming to the U.S. — and the ability to update encryption technology.
Once the hardware is installed, merchants continue normal business operations — saving time and money because E3 automates the process of continually changing the encryption keys that convert sensitive account information to encrypted data.
These necessary encryption updates are performed at no extra cost to business owners. In line with Heartland's goal of making adoption of state-of-the-art data security easy for business owners nationwide, Heartland also does not impose extra — unnecessary — monthly or transaction fees and "taxes" for E3 technology.
Additionally, Heartland helps the vast majority of merchants who use E3 complete the appropriate forms required for PCI compliance so they don't have to decipher the complexities by themselves. All business owners who accept credit and debit cards are subject to the standards of the PCI Council. The PCI Data Security Standards (DSS) define how sensitive data is stored, processed, and transmitted. Most owners of small and mid-sized businesses are on their own to ensure they meet the more than 230 PCI standards.
Lastly, in the unlikely event of a data breach using E3, Heartland — with its "E3 End-to-End Encryption Warranty" — will reimburse a merchant's breach-related fines. If, during the warranty period on any particular Heartland E3 device, the device fails to prevent the unauthorized decryption of cardholder data on that particular device, and that failure is a result of a defect or error in Heartland's software or hardware, Heartland will pay the merchant the amount of compliance fines, fees and/or assessments the merchant pays to the card brands, issuing bank or acquiring bank. Heartland will also pay the merchant any costs he/she pays for a directly related forensic audit conducted by a PCI-certified Qualified Incident Response Assessor.
"Data security is mission critical in today's world," Carr says. "That's why Heartland is taking a leadership role in making end-to-end encryption available and easy to implement for merchants large and small. While not a silver bullet, we feel this technology is a significant leap forward in helping the payments industry — as well as merchants and consumers — mitigate much of the risk of cybercrime. We have been working on this solution for two years now and are proud to be able to offer it to the stakeholders of the electronic payments world."
For more information on this warranty and E3, access to a new payments security blog — "The E3 Blog" — and "Card Payment Security for the Small Merchant," a white paper written by Mercator Advisory Group's George Peabody — visit E3secure.com. To request photos of E3 hardware, contact LBrown@VaultCommunications.com.
www.qsrmagazine.com
Journalistic, Inc.
4905 Pine Cone Drive, Suite 2
Durham, NC 27707
phone (919) 489-1916
Heartland Payment Systems Know How to Keep it Safe
[2010-05-24]
Heartland Payment Systems has commercially launched its new, state-of-the-art payment card security technology — making it available to merchants and business owners nationwide.
Heartland has spent more than two years developing and ten months beta testing and iteratively improving this end-to-end encryption technology — called E3 — that is designed to protect cardholder credit and debit card data, rendering scrambled data useless to cybercriminals.
"Heartland leveraged its unique experience and knowledge to develop E3 — and made the financial investment needed to protect this sensitive information. Data is protected from the point of swipe and through Heartland's processing network — not just at certain points during the transaction flow," says Bob Carr, Heartland's chairman and chief executive officer. "We are making the highest degree of security available to every merchant regardless of size — without charging extra monthly or transaction fees and taxes. Additionally, because E3 does not allow card numbers to exist on or through a merchant's system or network — when combined with our Self-Assessment Questionnaire (SAQ) assistance services — E3 reduces the cost of PCI compliance and the risk of non-compliance for business owners."
In today's world, protecting card-holder data is critical — for merchants and consumers alike. In the past two years, there were more than 650 reported breaches — a significant number considering many believe the majority of breaches are never reported. That number continues to increase daily because — in just a few brief seconds — from the time a customer swipes a credit or debit card to pay for a purchase until the transaction is complete, sensitive card-holder data can be vulnerable. If a business' system is breached without encrypted card data, the owner may be forced to pay steep fines and deal with the stress and cost of legal issues, business recovery, and rebuilding customer confidence — and the possibility of going out of business.
To protect against this, E3 features layers of security using both software and tamper-resistant hardware — employing the Advanced Encryption Standard of encryption — AES — the most secure encryption algorithms available. E3 encrypts all Track 1 and 2 data from the card's magnetic stripe the moment it is converted from analog to digital data and enters a merchant's system as scrambled data ... never storing card numbers or passing them through the merchant's system or network.
"Centuries ago, cities across the world gave up on trying to protect themselves by making walls higher and thicker and more distant with moats," Carr says. "The enemy was always finding new ways to destroy the walls or circumvent the security efforts with Trojan horse attacks. We believe it is important to make card data indiscernible as it enters the payment cycle so if the firewalls are too weak, the enemy gains nothing of commercial value. We believe this is the enhanced security method the payment industry requires in today's world."
E3 is easy and cost-effective to implement. There are no changes to a merchant's daily routine or the speed of transactions — and no large equipment investment. Merchants purchase an E3 terminal or PC-based magnetic stripe reader/wedge at — or below — the prices of standard, less-secure processing equipment on the market today. E3 devices include EMV/chip card technology capabilities — which may be coming to the U.S. — and the ability to update encryption technology.
Once the hardware is installed, merchants continue normal business operations — saving time and money because E3 automates the process of continually changing the encryption keys that convert sensitive account information to encrypted data.
These necessary encryption updates are performed at no extra cost to business owners. In line with Heartland's goal of making adoption of state-of-the-art data security easy for business owners nationwide, Heartland also does not impose extra — unnecessary — monthly or transaction fees and "taxes" for E3 technology.
Additionally, Heartland helps the vast majority of merchants who use E3 complete the appropriate forms required for PCI compliance so they don't have to decipher the complexities by themselves. All business owners who accept credit and debit cards are subject to the standards of the PCI Council. The PCI Data Security Standards (DSS) define how sensitive data is stored, processed, and transmitted. Most owners of small and mid-sized businesses are on their own to ensure they meet the more than 230 PCI standards.
Lastly, in the unlikely event of a data breach using E3, Heartland — with its "E3 End-to-End Encryption Warranty" — will reimburse a merchant's breach-related fines. If, during the warranty period on any particular Heartland E3 device, the device fails to prevent the unauthorized decryption of cardholder data on that particular device, and that failure is a result of a defect or error in Heartland's software or hardware, Heartland will pay the merchant the amount of compliance fines, fees and/or assessments the merchant pays to the card brands, issuing bank or acquiring bank. Heartland will also pay the merchant any costs he/she pays for a directly related forensic audit conducted by a PCI-certified Qualified Incident Response Assessor.
"Data security is mission critical in today's world," Carr says. "That's why Heartland is taking a leadership role in making end-to-end encryption available and easy to implement for merchants large and small. While not a silver bullet, we feel this technology is a significant leap forward in helping the payments industry — as well as merchants and consumers — mitigate much of the risk of cybercrime. We have been working on this solution for two years now and are proud to be able to offer it to the stakeholders of the electronic payments world."
For more information on this warranty and E3, access to a new payments security blog — "The E3 Blog" — and "Card Payment Security for the Small Merchant," a white paper written by Mercator Advisory Group's George Peabody — visit E3secure.com. To request photos of E3 hardware, contact LBrown@VaultCommunications.com.
Report from Convenience Store News
http://www.csnews.com/
May 25,2010
Heartland Payment Systems Launches Payment Card Security Technology
May 24, 2010 - CHICAGO -- Heartland Payment Systems launched its new, state-of-the-art payment card security technology to merchants and business owners nationwide. The company spent more than two years developing and 10 months beta testing and improving the end-to-end encryption technology called E3 -- designed to protect cardholder credit and debit card data, rendering scrambled data useless to cybercriminals, the company reported.
"Heartland leveraged its unique experience and knowledge to develop E3 -- and made the financial investment needed to protect this sensitive information. Data is protected from the point of swipe and through Heartland's processing network -- not just at certain points during the transaction flow," Bob Carr, Heartland's chairman and chief executive officer, said in a released statement. "We are making the highest degree of security available to every merchant regardless of size -- without charging extra monthly or transaction fees and taxes. Additionally, because E3 does not allow card numbers to exist on or through a merchant's system or network -- when combined with our Self-Assessment Questionnaire (SAQ) assistance services -- E3 reduces the cost of PCI compliance and the risk of non-compliance for business owners."
E3 features layers of security using both software and tamper-resistant hardware -- employing the Advanced Encryption Standard of encryption (AES) the most secure encryption algorithms available. E3 encrypts all Track 1 and 2 data from the card's magnetic stripe the moment it is converted from analog to digital data and enters a merchant's system as scrambled data ... never storing card numbers or passing them through the merchant's system or network, according to the company.
With E3, there are no changes to a merchant's daily routine or the speed of transactions -- and no large equipment investment, and E3 devices include EMV/chip card technology capabilities -- which may be coming to the United States -- and the ability to update encryption technology, according to Heartland.
Also, in the unlikely event of a data breach using E3, Heartland -- with its "E3 End-to-End Encryption Warranty" -- will reimburse a merchant's breach-related fines. If, during the warranty period on any particular Heartland E3 device, the device fails to prevent the unauthorized decryption of cardholder data on that particular device, and that failure is a result of a defect or error in Heartland's software or hardware, Heartland will pay the merchant the amount of compliance fines, fees and/or assessments the merchant pays to the card brands, issuing bank or acquiring bank, the company reported. Heartland will also pay the merchant any costs he/she pays for a directly related forensic audit conducted by a PCI-certified Qualified Incident Response Assessor.
http://www.csnews.com/
May 25,2010
Heartland Payment Systems Launches Payment Card Security Technology
May 24, 2010 - CHICAGO -- Heartland Payment Systems launched its new, state-of-the-art payment card security technology to merchants and business owners nationwide. The company spent more than two years developing and 10 months beta testing and improving the end-to-end encryption technology called E3 -- designed to protect cardholder credit and debit card data, rendering scrambled data useless to cybercriminals, the company reported.
"Heartland leveraged its unique experience and knowledge to develop E3 -- and made the financial investment needed to protect this sensitive information. Data is protected from the point of swipe and through Heartland's processing network -- not just at certain points during the transaction flow," Bob Carr, Heartland's chairman and chief executive officer, said in a released statement. "We are making the highest degree of security available to every merchant regardless of size -- without charging extra monthly or transaction fees and taxes. Additionally, because E3 does not allow card numbers to exist on or through a merchant's system or network -- when combined with our Self-Assessment Questionnaire (SAQ) assistance services -- E3 reduces the cost of PCI compliance and the risk of non-compliance for business owners."
E3 features layers of security using both software and tamper-resistant hardware -- employing the Advanced Encryption Standard of encryption (AES) the most secure encryption algorithms available. E3 encrypts all Track 1 and 2 data from the card's magnetic stripe the moment it is converted from analog to digital data and enters a merchant's system as scrambled data ... never storing card numbers or passing them through the merchant's system or network, according to the company.
With E3, there are no changes to a merchant's daily routine or the speed of transactions -- and no large equipment investment, and E3 devices include EMV/chip card technology capabilities -- which may be coming to the United States -- and the ability to update encryption technology, according to Heartland.
Also, in the unlikely event of a data breach using E3, Heartland -- with its "E3 End-to-End Encryption Warranty" -- will reimburse a merchant's breach-related fines. If, during the warranty period on any particular Heartland E3 device, the device fails to prevent the unauthorized decryption of cardholder data on that particular device, and that failure is a result of a defect or error in Heartland's software or hardware, Heartland will pay the merchant the amount of compliance fines, fees and/or assessments the merchant pays to the card brands, issuing bank or acquiring bank, the company reported. Heartland will also pay the merchant any costs he/she pays for a directly related forensic audit conducted by a PCI-certified Qualified Incident Response Assessor.
Monday, May 17, 2010
Act Now! Contact your elected officials today!
Help Fight Unfair Credit Card Fees!
I am writing you today to express my concerns about outrageously high credit card fees, and to enlist your support to put an end to credit card company price fixing.
> About $2 of every $100 American consumers spend using credit and debit cards go directly to the credit card industry through swipe fees, also known as interchange.
> In 2008 alone, American consumers paid $48 billion in credit and debit card swipe fees.
> This fee is set in secret by the credit card industry, forced on business, and foisted on consumers.
> It is costing American merchants and consumers billions in higher retail prices whether or not they pay with cards or with cash or checks.
> Interchange fees have tripled since 2001, from $16 billion to $48 billion. This is the fastest growing cost for most retail businesses (growing faster than health care costs) and, for many, is the second highest operating cost.
> Visa member banks collectively agree to charge the same swipe fee rates. MasterCard member banks do, too. This is price-fixing. It hurts merchants and consumers and it must stop.
> The fees can't be negotiated and are not adequately disclosed to merchants or consumers.
> That's why unfair credit and debit card swipe fees continue to rise rapidly despite improved processing technology, consistently low interest rates, and rapidly rising card volume.
> The Government Accountability Office recently concluded that small businesses are hurt the most by swipe fees because they pay higher rates than their large competitors.
> Moreover, Americans pay among the highest credit card interchange fees in the world, three times what British consumers pay and seven times the rate that MasterCard recently agreed to with the European Competition Commission, for example.
> Governments including Britain, as well as the European Union, are taking steps to deal with credit and debit card interchange fees and make them fair.
> The United States lags far behind our other major trading partners in terms of grappling with this threat to open markets and free competition.
> This is why I urge you to support S 1212, The Credit Card Fair Fee Act, which stops the price-fixing by the credit card industry and provides an open and transparent process to negotiate credit card interchange fees.
> Thank you for your attention to this issue.
Sincerely,
Brad Tabor
I am writing you today to express my concerns about outrageously high credit card fees, and to enlist your support to put an end to credit card company price fixing.
> About $2 of every $100 American consumers spend using credit and debit cards go directly to the credit card industry through swipe fees, also known as interchange.
> In 2008 alone, American consumers paid $48 billion in credit and debit card swipe fees.
> This fee is set in secret by the credit card industry, forced on business, and foisted on consumers.
> It is costing American merchants and consumers billions in higher retail prices whether or not they pay with cards or with cash or checks.
> Interchange fees have tripled since 2001, from $16 billion to $48 billion. This is the fastest growing cost for most retail businesses (growing faster than health care costs) and, for many, is the second highest operating cost.
> Visa member banks collectively agree to charge the same swipe fee rates. MasterCard member banks do, too. This is price-fixing. It hurts merchants and consumers and it must stop.
> The fees can't be negotiated and are not adequately disclosed to merchants or consumers.
> That's why unfair credit and debit card swipe fees continue to rise rapidly despite improved processing technology, consistently low interest rates, and rapidly rising card volume.
> The Government Accountability Office recently concluded that small businesses are hurt the most by swipe fees because they pay higher rates than their large competitors.
> Moreover, Americans pay among the highest credit card interchange fees in the world, three times what British consumers pay and seven times the rate that MasterCard recently agreed to with the European Competition Commission, for example.
> Governments including Britain, as well as the European Union, are taking steps to deal with credit and debit card interchange fees and make them fair.
> The United States lags far behind our other major trading partners in terms of grappling with this threat to open markets and free competition.
> This is why I urge you to support S 1212, The Credit Card Fair Fee Act, which stops the price-fixing by the credit card industry and provides an open and transparent process to negotiate credit card interchange fees.
> Thank you for your attention to this issue.
Sincerely,
Brad Tabor
Friday, May 14, 2010
Heartland Makes its Debut onFORTUNE 1000 List |
 Heartland has been named to the 2010 FORTUNE 1000 list of America’s largest companies by FORTUNE magazine.The FORTUNE 1000 is a list of the 1000 largest American companies ranked on annual revenues. Heartland debuts at No. 954 with 2009 revenues of $1.652 billion. "To be recognized as a FORTUNE 1000 company is a great honor for Heartland," said Bob Carr, Heartland’s chairman and chief executive officer. |
Thursday, February 25, 2010
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