To decouple or not!
With the adoption of the EMV standards looming and the liability shift coming with the new standards the smaller independent retailer has to make a decision soon on how to comply. To be clear non compliance is not an option. Since most tier one retailers have implemented encryption data breaches will go downstream to the smaller less secure retailers. The option most retailers are considering is to upgrade or replace their POS software to meet the new EMV standards. There is another viable option for retailers who don’t have heavy transaction volume. That option is to “Decouple” their payment processing from their POS system. Get standalone payment terminals that are fully complaint to deliver encrypted data to your processor. Many of the devices will also take PIN entry and some the mobile wallet payment options.
The downside your transaction time will take a bit longer the upside is you will totally complaint and secure and possible even qualify for lower transaction fees. Something to consider!