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The transition to EMV is still underway—a huge opportunity for you.

An August 2017 report issued by Visa shows that only 45-50% percent of U.S. merchants are able to accept chip-enabled credit and debit cards—even though October 2015 was the official deadline for compliance with the new EMV payment processing standard.

This gap presents an enormous opportunity for solution providers to sell new chip card processing hardware bundled with complementary high-margin services. And Ingram Micro is here to help, with a broad range of services you can leverage at every phase of the EMV implementation process.

As chip cards continue to saturate the market—and merchants are compelled to accept the more secure technology—helping your retail customers become EMV-ready is not only a top priority from a security standpoint, but it offers huge profit potential for you.

EMV has proved effective in reducing fraud.

The U.S. is one of the last of the world’s major economies to adopt chip technology, but the success of EMV technology in preventing credit and debit card fraud has already been well established worldwide. In the six years since Canada shifted to EMV, for example, credit-card fraud was reduced by 68 percent, and debit-card fraud by 88 percent.

Some merchants have been reluctant to install chip-card readers. They don’t believe it will benefit their business. However, statistics show that even a single incidence of card fraud can be very costly: An estimated 44 percent of small businesses have been affected by card fraud, with an average cost of $9,000 per incident.

According to Visa, in March 2017, chip enabled Merchants saw a 58% drop in counterfeit fraud from previous year.

And with liability shifting to the least compliant party in the transaction, card issuers and banks usually transfer the costs to merchants.

Ingram Micro makes the EMV transition easier for you and your retail customers.

The migration to EMV—and developments like mobile point-of-sale and in-app purchases—requires a significant change in how businesses accept payments. To complicate matters, technology innovation has created lots of options: stationary vs. mobile, contact vs. contactless, standalone vs. companion, Bluetooth vs. connected and even Wi-Fi and cellular options.

Ingram Micro leverages the power of vendor partners like Ingenico Group*, ID TECH**, VeriFone***, and MagTek**** to supply the right devices for your customers’ specific needs, as well as a host of high-margin services you can leverage to maximize your sales opportunities.

A range of EMV services for your customers.

A wealth of revenue opportunities for you.

Ingram Micro has built an EMV offering that includes everything solution providers need to implement EMV and other innovative payment capabilities for their customers:

  • Partnerships with leading EMV-enabled equipment manufacturers
  • Key injection services through Ingram Micro’s private key injection facility, which has passed stringent industry audits and is certified secure
  • Scalable deployment and installation services that allow solution providers to take advantage of opportunities regardless of size, timeline or geographic area
  • Expert PCI (payment card industry) and wireless assessments to ensure networks are secure and optimized for mobile payments—and to offer help with addressing issues revealed in the assessment process
  • Secure de-installation, removal and disposition services for old equipment
  • Cellular device activation services to ensure devices are ready to use upon arrival
  • Merchant services that allow retailers to accept credit and debit payments while offering residual income opportunities for the solution provider
  • Preferred application development network to simplify the process for solution providers without an in-house developer
  • Educational resources, including written materials, webinars and industry events, to help solution providers learn about the market and technology

Key injection services through Ingram Micro can help you facilitate activation.

Without key injection, a payment device simply will not function in a live environment. The required service involves loading software and secure key encryption data directly into payment terminals and devices so they can work properly.

Ingram Micro built its very own key injection facility, which has passed all required industry audits and meets electronic payment industry standards as a secure facility. Additionally, Ingram Micro’s key injection facility offers resellers a billable service from which to derive additional revenue.

Leveraging Ingram Micro’s deployment and installation services.

Even though a growing number of resellers have the capabilities to perform payment device installations in-house, opportunities can arise that pose too tight a timeline, too large a region for rollout, or other implementation challenges.

With Ingram Micro Deployment Services, you’ll never have to pass on an installation and deployment opportunity again—including rollouts on a regional or national scale.

Ingram Micro can provide a scalable, rapidly deployable workforce at multiple locations with a single point of contact for project management. We’ll assemble a qualified team of experts to meet your customers’ specific project requirements and timelines to ensure the highest level of execution and support services.

Disposal of used payment technology—a value-added service for your retail customers.

As new EMV terminals are deployed and installed, the old payment devices need to be disposed of properly. This is not simply a matter of discarding the equipment since payment terminals often contain sensitive data that needs to be handled with discretion. Given the potential liability of having data fall into the wrong hands, resellers generally don’t want the responsibility of disposing of the old systems and prefer to have Ingram Micro handle the actual execution for them.

Ingram Micro offers a complete portfolio of disposal-related services, including de-installation and asset removal; packaging and palletizing; refurb, repair and re-marketing; issuance of certificates of destruction; online data erasure and destruction; asset processing; de-manufacturing and recycling. Leveraging these services offers an additional revenue source for you—not to mention an important convenience for your customers.

Case Study: Ingram Micro helps a national apparel retailer meet new EMV requirements.

CHALLENGE
As the October 2015 date for EMV migration approached for retailers accepting credit and debit cards, a nationwide apparel and accessories retailer needed to install new payment terminals in each of its 850 stores across the United States within an 8-week time frame. The retail chain reached out to its reseller for help. The reseller partner engaged the services of Ingram Micro Deployment Services to assist with the installation since it didn’t have enough resources to complete the project within the given timeline. Acting as an extension of the reseller, the Ingram Micro Deployment Services team managed all aspects of the project.

SOLUTION
The Deployment Services Project Management Office took charge of the project and scheduled the installation of every retail site. A skilled technician was dispatched to each site to replace the existing terminals with EMV-compliant terminals.

Throughout the course of the project, the reseller received daily updates via email as well as 24/7 access to the Deployment Services Project Management online portal. Deliverables included signed work orders by the store managers and photos of each payment terminal that was installed.

RESULTS
All 850 site installations were completed within the 8-week project timeline, and the retail chain has met its EMV requirements. The reseller partner has very satisfied customers and is now engaged with another nationwide installation of payment terminals—this time for a major women’s clothing retailer.

EMV implementation is not the only topic you should be addressing with your retail customers. PCI security is an even more important point of discussion. Online fraud is an ever-increasing concern today, and ensuring PCI compliance should be a top priority for any business.

While EMV only affects businesses that accept credit and debit cards in person, PCI security applies to any organization or merchant that accepts, transmits or stores any cardholder data—online, over the phone or in store. And unlike EMV, noncompliance with PCI security is a finable offense.

Before you can take any action to help secure a customer’s environment, you first need to know what’s working and where the gaps are. An assessment is a critical first step. When the demand or scope of such an undertaking is too much to handle with your own staff, an Ingram Micro qualified security assessor (QSA) can conduct a comprehensive three-phase PCI DSS (data security standards) compliance assessment for you.

Once problem areas are identified, Ingram Micro has a variety of security partners who can provide products to help your customers achieve compliance. Vendor partners like Trend Micro, Symantec and others offer firewall, antimalware, intrusion prevention, and other security measures to protect sensitive financial data on physical devices, in the cloud and in virtual environments.

With EMV pushing more criminals toward online fraud, ensuring the protection of cardholder data should be at the top of every business’ priority list.

Ingram Micro can help you conduct wireless assessments.

EMV impacts more than just the retail sector. Medical offices, hotels, schools, stadiums and restaurants all are opting to accept the new form of payment cards. In the restaurant and food service industry specifically, this requires that a member of the waitstaff bring a mobile/wireless payment device to the table, which in turn requires a robust wireless network to support all of the mobile payment terminals.

Adequate wireless coverage can only be assured through a wireless assessment, which is another service—and revenue opportunity—Ingram Micro offers reseller partners. The Ingram Micro assessment team will identify your customers’ radio frequency (RF) interference issues and develop a detailed plan to implement a wireless architecture that ensures optimal coverage, signal strength and throughput. That way, your restaurant customers will know, without a doubt, that their new mobile payment devices will function properly.

How to address cellular activation.

EMV requires certain businesses without traditional retail store environments—like food delivery trucks, taxi services and limousine companies—have payment processing devices with cellular connectivity so customers can make payments at the point of transaction.

Such devices need to be activated on the network of a cellular carrier like Verizon, Sprint or T-Mobile, and Ingram Micro can assist with this activation, providing your retail customers with an easy seamless implementation process and you with an additional revenue opportunity.

Leveraging Ingram Micro’s preferred app dev network.

To eliminate the need for a payment terminal, businesses are turning to their apps to make paying for a product or service easier for customers.

Two notable examples are Starbucks and Exxon Mobil. Both companies recently updated their respective apps, giving customers the ability to pay within the app itself—and eliminating any potential stumbling blocks to locking in a sale. Starbucks even went the extra mile and added functionality to allow customers to order ahead, a big differentiator for a quick-service establishment.

With the growing proliferation of apps, resellers that don’t have their own development teams can miss out on opportunities. Enterprise applications are costly to develop, and there’s no “one-size-fits-all” solution. App development is another area where Ingram Micro—and our network of application developers—can be leveraged as a resource.

Merchant Services deliver an additional source of ongoing revenue.

To accept a credit or debit card payment, merchants not only need the appropriate hardware but also a relationship with a payment processor. This relationship determines which types and brands of cards they can accept as well as the rates they will incur.

Functioning as the liaison to these payment processors—and helping to customize the relationship with respect to payment terms, rates and other services—can be a value-added service for your retail customers and an additional source of income for you. And Ingram Micro can be an excellent resource to turn to for help.

A wealth of EMV-related educational resources.

Even to a seasoned veteran, EMV implementation requires a deep knowledge of how the payment environment works and who the players are. Becoming ready to tackle EMV can be challenging, to say the least.

Ingram Micro offers a wealth of resources with everything you need to know to successfully sell and implement EMV. These include educational materials like recorded webinars, infographics, playbooks, blogs and other materials that let you learn at your own pace. If you prefer a more interactive environment, Ingram Micro’s EMV subject matter expert is available to offer you and your team a personalized webinar.

Ingram Micro also participates in industry events, third-party webinars and other programs designed to help spread the word and educate reseller partners on the latest PCI developments.

Make the most of EMV.

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about Ingram Micro’s EMV capabilities—and the huge opportunities they offer you and your retail customers. Make the new industry standard in card payments pay off for you.

For more information please be sure to visit us online or fill out our form to schedule a consultation with an Ingram Micro EMV expert.

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