Semi-Integrated EMV Payment Solution

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1 acceo tender retail Semi-Integrated EMV Payment Solution tender-retail.acceo.com

2 Take control of your payment transactions ACCEO Tender Retail is a semi-integrated payment middleware solution that handles all aspects of electronic payment transactions including the critical communication interface between the point of sale and the transaction processor while giving merchants the power to choose the most cost-effective payment processors. Deployed in major retailers throughout the United States and Canada, ACCEO Tender Retail has been a leader in cutting-edge payment solutions for over two decades. Our team is at the forefront of innovation, having been one of the first providers to offer an EMV-ready solution with Point-To-Point Encryption (P2PE) in North America. A flexible payment solution Solution for numerous verticals including general retail, parking, municipalities, and un-attended ticketing Choice of your own brand of in-lane and mobile PIN Pad devices Direct-to-Processor payment processing Remote terminal management software Dynamic Currency Conversion (DCC) No monthly rental or transaction fees

3 ACCEO Tender Retail adapts to your business Because every merchant is unique, our solution is developed from the ground up to integrate seamlessly into any infrastructure, regardless of volume or legacy systems. Features Supports all payment methods you need today: debit, credit, contactless, chip, swiped, gift card, loyalty and mobile wallets as well as e-commerce payments. Handles all communication for a wide range of certified PIN pads and RFID devices Fully compliant with all PCI DSS requirements and PCI PA-DSS certified Certified with North American financial institutions EMV certified Key benefits The ability to select your payment processor allows you to take advantage of the best service and lowest transaction processing fees. The flexibility and scalability of ACCEO Tender Retail puts you in control of your own future: leverage payment technologies such as Apple Pay and Samsung Pay or integrate value-add solutions such as gift and loyalty cards. The remote terminal management solution, ACCEO Tender Retail Manager, allows for simple and central deployment of new POS terminals and strategic planning of updates to existing devices: leverage advanced remote management without the risks and costs of manual fleet updates.

4 Enhanced Security PCI compliance ACCEO Tender Retail is compliant with all Payment Card Industry (PCI) merchant and software developer requirements. Our solution meets the association s strict Payment Application Data Security Standard (PCI PA- DSS) and we are committed to the continuous improvements necessary to meet PCI s rigorous, ongoing auditing process. ACCEO Tender Retail is designed to help you comply with the Payment Card Industry Data Security Standard (PCI DSS). Point-to-Point encryption ACCEO Tender Retail supports Point-to-Point encryption (P2PE) and End-to-End encryption (E2EE). In order to protect the cardholder data from the entry point to the acquirer s secure decryption system, card data is encrypted as the card is swiped, tapped or inserted, and thus does not enter the merchant s system. Tokenization In order to offer a superior customer service, you sometimes need to store some cardholder information. As PCI standards require that cardholder data be secured when stored in payments systems, you need a solution that supports tokenization. By running with solutions that remove cardholder information and replace it with a random value, or token, ACCEO Tender Retail ensures that no sensitive data is stored at the merchant s level. ACCEO Tender Retail Manager An extensive and device-independent solution for remote terminal management and central PIN Pad update deployment. Contact us today for further information: info@tender-retail.com

5 Technologies Adapted to next-generation payment technologies, ACCEO Tender Retail is dedicated to continuously providing the industry standard in functionality. Whether it s EMV integration, compliance, mobile transactions or innovation for long lasting customer relationship, our secure and flexible solution allows forward-thinking retailers to maximize these cutting-edge opportunities in their own unique ways. EMV Chip Cards The adoption of chip-embedded credit and debit cards over traditional magnetic stripe cards opens up a whole new world of security and convenience benefits for merchants and consumers. EMV is essential for a fast, affordable and complete launch to the next level of fraud prevention and customer satisfaction. However, complete compliance with the stringent requirements of EMV accreditation can provide a hurdle for many merchants. Fully certified with all major processors, ACCEO Tender Retail s EMV technology takes care of all that. Regardless of volume or infrastructure, every merchant can realize the benefits of EMV migration: Increased fraud protection Reduced liability for chargebacks Greater operational efficiency no more receipts or receipt storage to verify signatures Secure transactions at offline or unattended locations Allows the use of wireless terminals

6 For a new age of selling Smartphone payments There is no doubt that payment with smartphones is becoming increasingly popular. The mobile market shows no signs of slowing down, as billions of people around the world own a smartphone. Payment systems equipped with ACCEO Tender Retail can carry-out smartphone transactions in a seamless and secure way, without additional investment of significant time or budget in hardware or development. The solution is compatible with various mobile payment applications including Apple Pay and Samsung Pay. Mobile POS Some customers would rather leave a store than wait in line to pay for their purchases. A mobile POS is the perfect solution for retailers looking to retain those clients while offering superior customer service. Whether your salespeople are equipped with smartphones or tablets, and whether these devices are equipped with card readers or docking stations, ACCEO Tender Retail will integrate smoothly into any mobile POS, while keeping transactional data as secure as regular point of sales do. Contactless payment Merchants looking to build their brand image, increase ticket size and drive throughput can provide their customers with the possibility to tap or wave their card at a reader and speed through the payment process. Customers retain their card Queues disappear Loyalty increases Next-generation payment technologies drive repeat business

7 Decentralized Architecture The ACCEO Tender Retail Solution is a Direct-to-Processor solution, i.e, our solution allows you to bypass a gateway and relay your transactions directly to your processor. Safe, simple and secure POS Eliminate the middleman Simplify payment routing No gateway transaction fees No monthly rental fees Increased security Acquirers Direct-to-Processor Approach Bank capture file POS is out of scope for PCI DSS & PA-DSS acceo tender retail Secure tunnel thru Internet No cardholder sensitive data is stored or transmitted Point-2-Point-encryption (P2PE)substantially reduces PCI scope within the store and network POS connects to ACCEO Tender Retail via TCP.IP to request payment; passes transaction identifiers and amount 2 ACCEO Tender Retail drives customer prompting on PIN pad 3 Encrypted card data retrieved from PIN pad 4 Authorization request with encrypted data sent by ACCEO Tender Retail to Processor 5 Processor decrypts and authorizes transaction 6 Approved transactions are captured for settlement. 7 A token identifying the card can be created and stored in a token vault (optional) 8 Authorization response with token returned to ACCEO Tender Retail 9 ACCEO Tender Retail displays result to customer 10 ACCEO Tender Retail returns result back to POS with masked account number, card type, and token

8 Team up with an innovative expert today Contact us acceo tender retail Head office 75, Queen Street, Suite 6100 Montreal (Quebec) H3C 2N6 Canada Tel.: Fax: North American sales Production support tender-retail.acceo.com Printed in Canada 1609