PAX S90 Mobile Payment Terminal

Product Description (PAX 90) Credit Card Terminal

The PAX S90 mobile POS terminal has been designed to offer superior wireless performance, embedded in a ruggedized yet stylish form factor. With options for  Pax 90single  PAX S90 Mobile Payment Terminal – with CDMA, GPRS and EMV SIM or dual SIM functionality, and with a high capacity Li-lon rechargeable battery, the S90 is one of the most popular mobile terminals for merchants today. The S90 is PCI certified and delivers secure transactions with a state of the art 32-bit processor to support DUKPT, Master Session, DES, and 3DES. The ARM9 microprocessor assures faster, reliable transactions anywhere and every time.

The Pax S90 Mobile Payment Terminal is the perfect solution for your business and your charge card transactions. Built to withstand the outdoor elements and with a long lasting Li-Ion battery you never have to worry about credit card transactions failing on you.

Pax S90 is a powerful mobile payment terminal, with ARM9 CPU, large memory, compact design, and supports wireless communication methods and multi-application download.

Terminal PAX S90 c can be connected to a cellular GSM / GPRS network is designed to receive and bank credit\debit cards, payment acceptance, and loyalty and gift programs support. Mobile communication interface GSM / GPRS allows you to instantly use the terminal in the area of mobile network coverage without the need of purchase expensive telephone lines and LAN. Having built-in battery allows to use the terminal in taxis or on the street or in a restaurant.


PCI PTS 3.x approved
High speed ARM 11 processor and large memory capacity
Optional built-in contactless – PayPass, payWave
Optional 1D barcode scanner
USB & 3G connectivity
Large capacity battery
Dual SIM functionality



32-bit  ARM11


192MB (128MB Flash, 64MB DDR)


128 x 64 pixel LCD,
White backlit


10 numeric / letter & 8 function keys
4 ATM keys, 1 Power ON / OFF key


Thermal graphic printer, Speed: 18 lps
Standard paper roll: 58mm (2.25 in.)


Magnetic Card Reader        
Track 1 / 2 / 3, bi-directional, ISO7812


Smart Card Reader
1 user card, EMV


Contactless card Reader (built-in)
MasterCard PayPass
Visa payWave
ISO / IEC14443,Type A / B, Mifare®, Felica Compliant
Maximum effective distance up to 4cm
4 RF Indicators: Red Yellow, Blue, Green


Barcode Reader (optional)
1D barcode scanner


Card Slots
2 SAMs, ISO7816
2 SIMs (optional)


Wireless: GPRS or 3G (WCDMA)
Modem (optional):
Sync. (HDLC,  up to 9600bps)
Async. (V.92, up to 56Kbps)


Peripheral Ports
1 x RS232, 1 x Line, 1x mini USB (OTG),
1 x power charge


PCI PTS 3.x approved
DUKPT, Master / Session, DES, 3DES
ANSI / ISO9564 format 0, 1, 3
PIN ciphered key algorithm
ANSI X9.9 / X9.19 MAC algorithm


Li-ion battery, 1800mAh, 7.4V


0°C to 50°C (32°F to 122°F) operating temperature
-20°C to 70° C (-4°F to 158°F) storage temperature
10% to 93% relative humidity, non-condensing


Input: 100~240VAC, 50Hz / 60Hz, 1.0A
Output: 9.5VDC, 4A


Length: 199mm
Width: 87mm
Height: 61.5mm




Accessories (optional)
Leather Casing, Charging Dock,
Car Jack Charger

Credit and Debit Card Use Continues To Increase

U.S. consumers, whose use of revolving debt fell by more than 15% once the Great Recession hit, are finally re-embracing the credit card.

The thaw in spending appears to be in its early stages, but the trend line is now clear: borrowing with plastic is picking up steam.

“Going forward, we are expecting faster balance growth,” says Mustafa Akcay, assistant director of consumer credit economics at Moody’s Analytics.

“U.S. consumers are becoming more comfortable in holding credit,” notes Scott Anderson, the chief economist at Bank of the West.

April data from the Federal Reserve Board showed that revolving consumer credit jumped at a 12.3% annual rate, after accounting for seasonal differences.

But even if that report overstated the magnitude of the rebound, as some observers suspect, other estimates also show that plastic-fueled debt is growing at rates unseen in several years.

Household credit on bank credit cards rose by 2.1% in May, which was the highest growth rate since the height of the financial crisis, according to a new report by Moody’s Analytics.

And analysts at Nomura recently declared that U.S. consumers’ propensity to carry credit card debt from month to month is at its highest level since October 2008.

“We now believe we’re at the early stages of a postcrisis inflection point in the level of spending that consumers are willing to finance on credit cards,” the Nomura report stated.

“Although we’re certainly not expecting consumers to go out and significantly re-lever their balance sheets, we do believe that consumer deleveraging is finally in the rearview mirror.”

The rebound is driven in part by a loosening of credit standards at card issuers, which clamped down on risky borrowers during the recession.

In the fourth quarter of 2013, 22% of loan originations went to borrowers with credit scores of below 660, according to data from Moody’s Analytics. That figure was up considerably from the postcrisis low of 12% in early 2010.

“Priced properly, a lot of money can be made on subprime,” says Robert Hammer, a credit card industry consultant. “But you’ve really got to be careful.”

Industry observers also point to improving consumer confidence as a key factor in the card market’s renewed loan growth. During the earlier stages of the economic recovery, many Americans bought cars, which they needed to travel to work, while delaying purchases of furniture, electronics and vacations.

“The big-ticket items are aging, and these are the items most likely to be financed by credit cards,” Akcay says. “The pent-up demand is very high.”

Some analysts maintain that the turnaround in revolving credit is still weaker than it ought to be. “It’s not happening quickly. It’s happening slowly,” says Moshe Orenbuch, a card industry analyst at Credit Suisse.

Orenbuch believes that some consumers who got rejected for credit cards when standards tightened have since sworn off plastic.

Cash-only Business Owners Loose 66% of their Sales

As American consumers begin to embrace tap-and-pay smartphone apps, relegating plastic to a deep recess in the pocketbook or wallet, more than half of U.S. small business owners continue to live in the past—forget mobile apps, they don’t take American Express, or anything other than cash.

For nearly 10 years Joe Coffee, a small chain of artisan coffee shops in New York City, accepted only cash. Not only was it a more profitable scheme—Joe’s average sale was $2.75 and credit card processing would eat up about 3 percent of each transaction plus add a laundry list of fees—but being cash-only was part of the company’s ethos.

“We thought of ourselves as the little mom and pop place with the owner behind the counter making coffee. Our signs were hand-drawn, our small coffee was $1.63, we’d only take cash—all those things went together,” said Jonathan Rubinstein, Joe’s owner.

Six years in, Rubinstein began to notice a shift in customer behavior. “We started reading our Yelp reviews—75 percent of the negative comments about Joe were about us not taking credit cards,” he said. “We were losing a lot of sales in terms of people not having cash and going to a competing coffee shop but also people spending less money who wouldn’t buy a $17 bag of coffee [beans] or a $75 grinder.”


firearms payment processing

Chargeback Reason Codes

Each credit card chargeback is defined. The definition will help you
understand what happened from the card issuer’s perspective; that is, what
conditions or circumstances existed that caused the card issuer to issue a
chargeback on the item.
Reason Code 30: Services Not Provided or Merchandise Not Received
Reason Code 41: Cancelled Recurring Transaction
Reason Code 53: Not as Described or Defective Merchandise
Reason Code 57: Fraudulent Multiple Transactions
Reason Code 60: Illegible Fulfillment
Reason Code 62: Counterfeit Transaction
Reason Code 71: Declined Authorization
Reason Code 72: No Authorization
Reason Code 73: Expired Card
Reason Code 74: Late Presentment
Reason Code 75: Transaction Not Recognized
Reason Code 76: Incorrect Currency or Transaction Code or Domestic
Transaction Processing Violation
Reason Code 77: Non-Matching Account Number
Reason Code 80: Incorrect Transaction Amount or Account Number
Reason Code 81: Fraud—Card-Present Environment
Reason Code 82: Duplicate Processing
Reason Code 83: Fraud—Card-Absent Environment
Reason Code 85: Credit Not Processed
Reason Code 86: Paid by Other Means
Reason Code 96: Transaction Exceeds Limited Amount




firearms payment processing

Credit Card Numbers Stolen

Augusta, GA –If you have recently eaten at Somewhere in Augusta Restaurant, Bar and Grill, you may  want to check your credit card statement.The Richmond County Sheriff’s Office contacted the restaurant owner on Friday to let them know customers’ credit card numbers have been stolen.

According to the owner, John Fiske, charges have originated in Texas, Tennessee, and the country of Colombia.

Fiske says there’s no way his employees are responsible, because cards are encrypted when swiped and the system they have does not retain credit card numbers. The numbers only go to a processing company.

The Richmond County Sheriff’s Office is investigating this matter. Jillian Benfield is interviewing the head of Tech Crimes at the Richmond County Sheriff’s Office. She will find out how criminals are able to do this and how you can protect yourself.




firearms payment processing

Visa Reports Double-Digit Payment Volume Growth

Visa CEO discusses more than DOJ probe

I n a May 2012 conference call, Visa Inc. Chief Executive Officer Joseph Saunders revealed the card company’s debit card business is under investigation by the   U.S. Department of Justice. He also discussed the company’s second fiscal quarter 2012 profits, growth strategies, and new products and solutions. The quarter ended March 31.

“On March 13 … the U.S. Department of Justice Antitrust Division issued a civil investigative demand requesting additional information about PIN-authenticated Visa Debit and elements of our new debit strategies, including the fixed acquirer fee,” Saunders disclosed.

He said Visa met with the DOJ in March to turn over the materials requested in the civil investigative demand. “In a business as complex as ours, the department’s request is not unexpected,” he said. “Visa has received four other requests for information from the department since 2007, each of which took from 9 to 24 months to complete. All have been resolved.” He added that Visa is “continuing to provide materials and cooperate with the department.”

Regarding the company’s “strategies to compete for routing decisions, our incentive program for merchants is on track,” Saunders said. “We’ve taken a tailored and surgical approach to win strategic volume and offered competitive incentives to merchants.”

DOJ spokesperson Gina Talamona said the department has no comment on the investigation.

FANF fee explained

Visa instituted the Fixed Acquirer Network Fee (FANF) in February 2012 – after the Durbin Amendment to the Dodd Frank Wall Street Reform and Consumer Protection Act of 2010 cut debit card transaction fees in half. Saunders said the FANF would “offer merchants greater incentive to route transactions over our network” while lowering transaction costs. He told investors the DOJ began its investigation before the FANF went into effect April 1, 2012.

The FANF is a cost retailers pay to be a part of the Visa network. It applies to acceptance of all Visa products. Fees are charged to acquirers or processors based on a complicated formula that takes into account, among other things, merchant size and location.

According to the Merchants Payments Coalition, a national organization of retailers dedicated to credit card fee reform representing approximately 2.7 million stores, many retailers are complaining they unfairly end up paying both a brick-and-mortar FANF and a card not present FANF. Visa said the fixed acquirer fee lowers merchant transaction costs “in aggregate.”

Debit volume growth

The Durbin Amendment hit Visa hard but “is playing out as we expected,” Saunders said, adding that the company’s aggregate debit volume grew only 2 percent in the company’s second fiscal quarter 2012 (which ended March 31, 2012) and “has continued to decline in April.”

Saunders also noted that Visa’s Interlink PIN-based POS network bore “the brunt of the regulatory impact” and experienced a decline in every month of the quarter. “Interlink volume has experienced notable deterioration,” he stated. However, he added that the network accounted for less than 10 percent of Visa’s U.S. debit revenue. He also stated he believes Interlink will be more competitive in the fourth quarter 2012 when the impact from new regulations and new debit strategies will be evident.

The profit picture

Saunders said Visa posted net operating revenues of $2.6 billion in its second fiscal quarter – a 15 percent increase over the previous year. “These revenue gains were driven by double-digit payment volume growth globally, continued out-performance of credit spend worldwide and a strong cross-border activity,” he stated.

Visa’s credit card volumes grew 14 percent; debit payment volumes were up 7 percent during the same quarter; cross-border volume was up 16 percent globally; transactions grew 8 percent; and payment volumes increased 6 percent for all Visa products.

Saunders said Visa payment volume has grown every quarter for the last nine quarters in Latin America, with the second fiscal quarter 2012 realizing a 25 percent growth rate. He noted that growth was particularly strong in Brazil where the company has “just reached an agreement with a large Brazilian bank that has traditionally maintained the majority of its business with one of our largest competitors

“With this new agreement, we estimate that 50 percent of that client’s card portfolio will be Visa branded in the next few years.” He also expects more than 90 percent of Visa transactions in Brazil soon will be routed over Visa’s own VisaNet, up from 63 percent today.

In addition, Saunders discussed a new agreement with mobile phone network Vodafone Group PLC to preload Visa mobile prepaid accounts onto the Vodafone virtual wallet now under development. He also referred to agreements to promote deployment of near field communication through its payWave technology, the importance of the company’s investment in security and development of beta testing for Visa’s digital wallet




firearms payment processing

American Express Posts Record Profits

Benefitting from higher cardholder spending and low loss rates, American Express Co. posted record profits for the first quarter.

Amex’s U.S. Card Services unit’s net income rose 35.5% to $752 million for the quarter  “Cardmembers spent a record amount on their American Express cards, continuing a trend that has translated into overall share gains during the last two years,” Chief Executive Officer Kenneth I. Chenault, 60, said in the statement. “The overall recovery in the U.S. remains uneven and the environment in Europe continues to pose challenges for the global economy.” ended March 31, from $555 million a year earlier, the firm said in a press release April 18.

Revenue from Card Services grew 8.3% during the quarter to $3.9 billion from $3.6 billion.

“Cardmembers spent a record amount on their American Express cards, continuing a trend that has translated into overall share gains during the last two years,” Chief Executive Officer Kenneth I. Chenault, 60, said in the statement. “The overall recovery in the U.S. remains uneven and the environment in Europe continues to pose challenges for the global economy.”

Total card billed business rose 12.1% to $107.7 billion from $96.1 billion, while total cards in force rose 2.7% to 41.2 million from 40.1 million.

Amex ‘s outstanding consumer card loans also grew during the quarter. Total outstanding loans rose 4.5% to $51.4 billion from $49.2 billion, while the charge-off rate on outstanding receivables declined 140 basis points to 2.3% from 3.7% a year ago.

“Credit quality continues to be among the best we have ever experienced, and our lending portfolio continued to grow at moderate levels,” Kenneth Chenault, Amex chairman and CEO, said in the release.

Amex’s International Card Services net income rose 4.2% to $197 million from $189 million, with revenue up 8.3% to $1.3 billion from $1.2 billion.

Global Commercial Services income declined 3.8% to $177 million from $184 million a year ago, while revenue grew 9.1% to $1.2 billion from $1.1 billion, reflecting higher spending on corporate credit cards.

Global Network & Merchant Services income rose 14.1% to $357 million from $313 million a year earlier, with revenues up 9.1% to $1.2 billion from $1.1 billion.

Overall Amex reported net income of $1.26 billion, up 6.8% from $1.18 billion, with total revenue of $7.6 billion, up 8.6% from $7 billion.



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Heartland Lawsuit Dismissed Again

A federal judge in Texas has again dismissed a lawsuit filed against Heartland Payment Systems and its two acquiring banks. The lawsuit, which stems from the 2009 data breach at Heartland that resulted in cybercriminals gaining access to 130 million payment card accounts, was filed by five financial institutions that accused Heartland and its acquiring banks of breach of contract, breach of fiduciary duty, and negligence. The plaintiffs, which included the Pennsylvania State Employees Credit Union, Lone Star National Bank, and Sea Board Federal Credit Union, said the acquiring banks should have monitored the security of Heartland’s computer systems. One of the acquiring banks, KeyBank, filed a motion to dismiss the complaint, which the judge in the case granted on the grounds that the plaintiffs did not plead that the Visa and MasterCard networks created a joint venture among the issuers and acquirers, which included the plaintiffs and KeyBank. The judge also notes in his ruling that the plaintiffs did not address the problems in their pleading from their previous complaint, which was also thrown out on the grounds that the five financial institutions were not protected as “third-party beneficiaries” in contracts between Heartland and its acquiring banks. Former Heartland CIO Steve Elefant says the legal precedents established in the case could discourage financial institutions from filing similar lawsuits against Global Payments, which recently suffered a data breach.

From “Heartland Suit Dismissed” (04/09/12) Kitten, Tracy


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Multi Currency Processing

Multi-Currency Conversion enables you and your customers to transact in their own currencies, at guaranteed prices. We simplify the complex procedures and eliminate the foreign exchange risks that are associated with foreign currency management.

We offer a comprehensive suite of credit/debit card processing in cooperation with several major European, American and Asian banks. We have the capability to accept more than 150 currencies and offer very competitive rates and worldwide deployment. All credit/debit card transactions are processed through a secure, PCI-compliant SSL connection.

Accept Credit Cards

No matter how long you’ve been in business, you may not be sure about how to accept credit card sales from your clients. Perhaps you long to start processing credit payments so you can increase the amount of your sales revenue or offer your clients more payment transactions. Maybe you’re just tired of chasing bad checks or waiting for monthly payments on client accounts. If you’re ready to add credit card processing to your line of customer services, a merchant services account may be just what you need.

A merchant account associate can show you how to accept credit card sales by using the right type of processing equipment. By signing up for a merchant account, you will soon find out if you’re approved, and upon approval, you can start using your account to implement a credit processing system for just about any type of business you’re in. A simple credit card terminal equipped with a printer can be plugged into an outlet at your store or shop to let your customers quickly swipe credit cards for easy payments on the purchases they make. Your merchant account underwriter will charge a certain amount for each transaction, or you might be able to opt for a low percentage rate on your monthly credit payment volume. If you’re in a window washing or another service business, or if you deliver items like baked goodies, you can lease or buy a wireless credit card processor to take with you in your travels for point-of-sale credit card payments.

How soon can a merchant account let you know how to accept credit card sales? The first thing to do is find a bank or another financial backer who will provide this type of account for your business. Then apply for your company account by filling out an online application or by completing and mailing a printed form. Some banks may charge an application fee of $100 or more, so find out ahead of time if you will need to pay this fee, and if so, you might want to consider shopping for another account provider. Also check into the costs associated with a particular merchant account so you can find the best deal, as these can carry several types of fees, some of which may at first appear to be hidden. When your account is approved, you can immediately get set up with the right equipment to handle credit card payments, e-checks, and debit payments as well. You may even want to consider setting up a digital processing system so your customers can dial a toll-free number, browse products online or from a print catalogue they have already received, and punch in their orders as well as a credit card number and expiration date for payment. You don’t even have to hire someone to staff the phone line, although it is probably a good idea to have someone available for a few hours during a typical business day.

Ask your bank or another financial lender to tell you more about the ways in which a merchant account can show you how to accept credit card sales.





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