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April 24, 2019

We've been talking about EMV for what feels like an eternity now. With a massive year-long effort to get all of our clients' set-up with EMV compliant equipment, we were very successful. Backing it up a bit - in 2015 consumers began receiving their chip cards and these cards set the groundwork for many industry related changes and benefits. Businesses needed to gain the capability to accept these new cards and without a very clear picture and/or a proven track record, the thought of updating their equipment and changing the way they have done business forever wasn't exactly met with a smile. However, we are pleased to be here tod...

November 13, 2017

While mobile payments are steadily increasing in prevalence and usage, only about 10% of customers regularly use them. This means tech companies are trying to come up with new ways to make usage easier or more appealing for the other 90% of customers not using, so that mobile payments can become more of a major player in the industry. 

Although 10% is a substantial portion of the market for such a new payment option, it is nowhere near what it could be, assuming most people would prefer the ease that comes with this form of payment. Tech firms are trying to innovate and discover new solutions that would draw people in and compel t...

October 16, 2017

Apple Pay is a leader in contactless payments, with many adopting this as their main form of payment. And why not? It’s quick, convenient, and simple. Last year, Apple Pay was also made available for use over the web, opening the door for many businesses all over to decide if they want to adopt this form of payment.

Apple Pay is a preference for many because all it takes is a swift movement of their phone to complete a transaction. No rifling through wallets, no incorrect PIN entries, no questions to answer. The simplicity of a transaction is what makes purchasing so enjoyable for many users. By bringing this to the web, e-commerc...

October 2, 2017

Ways to pay are transforming and adapting, with more options available than ever. Because of new technology, types of businesses, and customer preferences, customers can make payments even more conveniently than before. A method preferred by many restaurants is slowly taking over in the industry because of its convenience and ease.

Pay-at-the-table is exactly what it sounds like; it gives customers the ability to pay from a terminal stationed at the table instead of using a server as a medium to process the payment. Think self-checkout at the grocery store. Customers now don't have to wait to pay, or can take all the time th...

September 18, 2017

Mobile phones aren’t the only devices offering on-the-go payment anymore, Fitbit has gotten in on the action with the new Fitbit Ionic, and VISA has just enabled payments through it! The Fitbit Ionic is Fitbit’s first smartwatch, and in an effort to appeal to those who prefer cashless payments Fitbit has ingrained NFC technology into it, creating a much simpler transaction for all users.

Payments will be made through Fitbit Pay, their new payment function, and users can attach their VISA debit or credit cards by loading them onto the Fitbit companion app. Transactions will happen in the same manner as traditional NFC payments, wit...

July 26, 2017

Did you ever think it would be this easy to pay somewhere without an attendant? Unattended payments are becoming more secure and efficient due to advancing technology. Customers are choosing self-service options more and more, so it’s important that payment technology takes this into consideration. You may just start seeing more unattended payment technology as the industry determines what is most efficient.

These unattended payments didn’t just appear out of nowhere, though. They arose specifically because of the demand of consumers and the changing payment standards. Because card use continues to rise, and things like Apple Pay...

May 31, 2017

Dating back to the establishment of the first ATMs in the 1960’s, ATMs have always required physical credit and debit card acceptance. However, things are starting to change now. A new advancement has taken place with the creation of cardless ATMs. People will now be able to use a process that works similarly to new mobile payment methods. Many customers are now adopting these methods in stores, restaurants, and cafes, but the introduction of this technology into ATMs will allow it to be used at an even wider scale. More and more banks are hopping on board with this new advancement at an increasing rate. This new payment process...

May 3, 2017

At Payhub Payments we offer credit card processing equipment, which all contain mobile wallet acceptance. Mobile wallets are convenient, fast, and offer loyalty rewards. Automobiles are adopting in-car payments using mobile wallets and we are very excited about this adaption! Here’s a bit of insight about this new innovation.

Think about driving up to a gas station in the cold winter months, and instead of getting out again to pay, you can simply pay from inside your car. Well, this is now a reality. Our friends at Visa are partnering with Honda, as well as working with smart meters and gas pump manufacturers, to establish in-vehi...

April 3, 2017

With the explosion of EMV technology for payment processing it is hard to keep track of what has been occurring. Businesses and consumers have lived with this new adoption for one year now. EMV standard has transformed the payment industry and we want to provide insight for your business as to what EMV looks like in 2017.

1. With the adoption of EMV standard, studies have been popping up regarding this new technology. Recently, studies have shown that by the end of 2017 EMV technology should increase by 98% due to laws that will come into play later down the road.

2. Many forget that EMV just came to be about a year ago, which also...

February 13, 2017

With technology on the rise, payment trends have evolved and improved, helping ease the process for both merchants and consumers. Below we are going to list 5 of the biggest payment processing trends of 2017. 

  1. Mobile Payments: More and more companies are hopping on board to use mobile payment processing. You’ll find many popular brands are now mobile wallet-compatible to make paying easy for customers at the touch of their hands, and on many different mobile devices too. 

  2. Cloud-Based POS Systems: POS systems are helpful as they make business owners and customers lives easier, accepting different types of payment methods l...

January 30, 2017

Subscription commerce is a subscription model that involves a customer paying a certain subscription fee in return for a recurring product or service. No, subscription commerce is not exactly new, but it is making an expansion into new markets and becoming increasingly popular for both consumers and business owners. Subscription services enable repeat purchasing behavior without having to influence the consumer to buy again, while also providing a consistent source of revenue for businesses. Consumers also love the surprise, popularity, mystery, and savings factors that come along with subscription commerce.

Subscription boxes are...

December 12, 2016

During the busy holiday season, the digital market is booming for shoppers now more than ever. Paypal discovered that consumers frequently used mobile devices for their holiday shopping, but recognized a problem with this method. Believing their 14 million retailers were being bogged down by the digital world, PayPal just launched an app as a result to help fix this issue. The app, called PayPal Business, makes its objective to make the digital navigation process for business owners simpler, faster, and more on-the-go. 

The app helps your business stay up to date on your company and customer activity along with providing the chanc...

November 14, 2016

A new method called the “buy button” is transforming and simplifying online payments. Twitter, Facebook, Pinterest, Instagram etc. are all social media outlets that have incorporated this buy button into their websites. The buy button is an additional type of payment processor for consumers that is on the rise. More and more companies are hopping on board to integrate this new and easy way to purchase a product with just a single click of a button. It is redefining the customer to business relationship. If the buy button continues to improve and consumers enjoy this new method, then social media mediums will be able to charge a f...

July 6, 2016

Walmart filed a lawsuit against Visa in May in the New York Supreme Court. Walmart is suing on this matter due to Visa not allowing their customers to verify their chip enabled debit cards transactions only using a signature instead of a pin number. Walmart claims that these signature debit card transactions are a less secure method of payment and are a more expensive way to manage over Visa’s network. 

Walmart believes that a pin number in today’s marketplace, is the only cardholder verification to guarantee the most security for your payment processing. It is now said today that chip cards are much more difficult to hack be...

June 15, 2016

History of Bitcoins and What They Mean Today

Bitcoins are regarded as the world’s first decentralized currency and were first conceptualized by Satoshi Nakamoto in 2007. There is uncertainty as to whether Satoshi Nakamoto is actually an individual or a pseudonym for several different individuals. Nevertheless, by August 2008 an application was made by three individuals for a patent for the Bitcoin concept and later in the month, was registered.

This was followed by a series of events and in January 2009, version 0.1 of bitcoin was released.

The first bitcoin transaction took place between Satoshi and a gentlemen named H...

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