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    At CBMS we value the security and protection of your business as well as your customers/clients. For this reason, CBMS has invested far beyond what is required to protect you when it comes to the PCI protection and standards policies. ALL our services are offered with the peace of mind that you are covered when it comes to PCI.

    The Payment Card Data Security Standard (PCI-DSS) represents a common set of industry tools and measurements to help ensure the safe handling of sensitive information. Initially created by aligning Visa’s Account Information Security (AIS)/Cardholder Information Security (CISP) programs with MaterCard’s Site Data Protection (SDP) program, the standard provides an actionable framework for developing a robust account data security process – including preventing, detecting and reacting to security incidents.

  • EMV

    Keeping our merchant account holders educated on industry mandates and liability shifts is a vital part of what CBMS is doing to deliver the highest standards of customer service. Utilizing EMV equipment and sharing crucial updates with our account holders has reduced liabilities and potential expensive fines from ever being assessed to the merchants. Read more about how EMV has impacted the industry since 2015 below.

    Today, for most counterfeit card fraud that occurs at retailers’ in-store locations, liability is with the card issuers. Beginning in October 2015, that liability shifted to the merchants in certain cases unless they have replaced or upgraded their card acceptance and processing systems to use chip-enabled devices and applications to process payment transactions. With the October implementation, many card issuers, merchants and processors implementing EMV chip technology are asking, “Who is liable for what and when under these fraud liability shifts?”

    The EMV Migration Forum white paper, Understanding the 2015 U.S. Fraud Liability Shifts, provides information collected from certain payment networks to assist merchants, acquirers, processors and others implementing EMV chip technology in the U.S. to better understand liability shifts. This document simplifies essential information surrounding the liability shifts to help stakeholders meet these dates and to streamline the migration to chip technology.
    The following liability shifts and payment networks are addressed in the white paper:

    • Counterfeit Fraud Liability Shift. Applies to the following payment networks: Accel, American Express, China UnionPay, Discover, MasterCard, NYCE Payments Network, SHAZAM Network, STAR Network and Visa
    • Lost or Stolen Fraud Liability Shift. Applies to the following payment networks: American Express, Discover and MasterCard
    • Liability Shifts for Cross-Border Transactions. Applies to all global payment networks