- January 27, 2016
- Posted by: Joseph LaRocco
- Category: Knowledge
The Micros EMV solution for restaurants is now here thanks to a partnering arrangement between Micros and Elavon, a top ten processor in North America. In 2014, Oracle Corp. made a tactical move and purchased Micros Systems, Inc., the leading POS system in the United States. This move signals an even greater focus on security, as well as functionality, for the Micros POS systems currently in use. We are also one of the few to now offer a Micros EMV pay at the table solution through another one of our strategic relationships, and it even provides auto tip adjust, saving time from having to manually add tips. This solution also eliminates the several trips wait staff often has to make bringing the ticket to the customer, picking up the ticket and running the card and then having to bring a copy back to the customer with their credit card.
One of the key steps involved in meeting EMV guidelines required Elavon and Micros to work together to integrate the Elavon gateway so the terminal could securely and easily communicate with Micros POS systems in the food and beverage industry. Just as Elavon successfully created the Converge gateway and merchant management software, Elavon also created its own proprietary secure payment gateway called “Fusebox”. Fusebox is the gateway or link between the credit card terminal and Elavon as the processor. This means that the credit card processing for a customer sale is transmitted through Fusebox to the processor and not through the Micros POS, which is more vulnerable to hackers. The data is encrypted as it is transmitted to the processor and a token is then created and transmitted on the return trip from the processor to the credit card terminal to approve or authorize the payment.
Elavon is the first processor to partner with Oracle and provide a true Micros EMV solution for restaurants. Fusebox provides the tokenization for added security when confirmation is transmitted on the way back from Elavon. As a result, the ordering, payment and credit card processing functions take place securely and seamlessly with one integrated EMV solution. Elavon is one of the largest processors in North America and is known for its competitive pricing and exceptional customer support.
Micros users can rely on Simplify software for the following features:
• Encryption at initiation and during the payment authorization process;
• Tokenization for additional security between terminal and Elavon’s servers;
• The only true Micros EMV solution for restaurants currently available, thanks to Elavon;
• Use of the Fusebox gateway eliminates the need for the Merchant Link gateway;
• Safe-T (silver and gold plans) greatly reduce the yearly PCI compliance process; and
• Great customer support and pricing from Elavon a leader in merchant processing.
We are happy to provide the Micros EMV solution for restaurants and retail businesses as well. Please feel free to contact Joe LaRocco at 203-599-1928 for more information on how we can help you save money on your processing costs with a secure EMV solution.
The security software provided by Elavon is called “Safe-T” and it provides EMV compliant processing of the customer’s credit card payment. Safe-T provides encryption of the credit card data being transmitted through the terminal during the swipe or insertion step process. The credit card data is protected from intrusion since Elavon’s Safe-T proprietary software scrambles the customer’s credit card information, which is not stored or processed in the Micros POS system. This encryption provides the needed safety and security to protect against data breaches at the POS system level. The end result of this encryption the cardholder’s credit card information cannot be memory scraped and stolen by hackers or unscrupulous employees.
Elavon’s software application, “Simplify” interfaces with Fusebox, triggering the creation of the token. The credit card data is not stored or processed via the POS system, it remains encrypted in transit to Elavon’s payment servers and it is only decrypted at Elavon’s secure data center. The same is true whether the transaction is occurring on a Micros POS system used in the restaurant industry or a Micros property management system (PMS) used in the hospitality industry.
The Micros EMV solution for restaurants is enabled by a certified pre-loaded terminal that executes the Simplify security application, which in turn drives the fully encrypted authorization process. The credit card data is encrypted on the terminal at the time of the swipe or insertion of the EMV chip card. The encryption is used not only to scramble the credit card data to prevent the theft of information by fraudsters, but also to create a “token” for further protection when data is being transmitted between terminal and the processor’s servers.
Merchants will also be happy to learn that by using the Fusebox secure payment gateway there will be no need for them to use an outside provider for the gateway. The Merchant Link gateway is no longer required for processing thanks to Elavon’s Fusebox gateway.
Another benefit to merchants using Simplify is that by using the Safe-T silver or gold plan their yearly PCI compliance questionnaire is greatly simplified, which saves merchants extra time and makes it easier for them to meet their yearly compliance requirements.
The highest percentage of data breaches and attacks historically come from POS breaches. Terminals are viewed as more secure and most experts agree that processing should only take place at the credit card terminal, not at the or through the POS system, regardless of the POS system being used. Terminals utilize advanced algorithms contained on a chip credit card to confirm that the credit card is authentic and validly issued. Most POS systems require a credit card to be swiped for payment and cannot accept chip cards. The use of encryption and tokenization is the only protection against currently prevalent malware at the point of sale.
In summary, Simplify from Elavon is the only secure software application currently on the market today that provides a Micros EMV solution for restaurants for the Micros 3700 series and Micros 9700 series of POS systems commonly used in the restaurant industry. In the near future it is anticipated that the e7QSR POS model for small restaurants, as well as the Simphony and Opera PMS platforms used in the hotel industry will also be able to provide an EMV solution based on the close partnership of Micros, Oracle and Elavon.