QwickPAY vs WisePIN

QwickPAY is a complete payment solution allowing your iOS device (iPhone or iPad) to become a highly secure point of sale system for card-present and card-not-present payments. Whether you need to accept payments in-store, curbside, for delivery, takeout, or via email invoicing, QwickPAY is ready with point of sale devices that accept secure data entered over the phone with manual entry, or in-person with a swipe, tap, or dip of a card, or from tap and go mobile wallets. Streamline the payment process and create frictionless sales and invoices to facilitate in-person and remote, touchless transactions with QwickPAY. QwickPAY removes 100% of the sensitive cardholder data from the merchant while still giving them the necessary information to process Card-Present, credit and signature debit transactions. QwickPAY gives merchants a total solution that helps to reduce their PCI scope. With QwickPAY mobile, the merchant NEVER possesses, transmits or comes in contact with sensitive cardholder data. QwickPAY has been EMV Level 3 certified with several major POS processors. Merchant Account REQUIRED. If you don’t have one, we can help you there too. Contact support@qwickpay.com for details. KEY FEATURES Tap to Pay on iPhone Card-present transactions for magstripe, EMV contact, EMV contactless and NFC payments Invoicing to enable touch-free commerce Kiosk Mode Simplified Menu Receipts can be sent via SMS, e-mail and print Saved receipts can be re-sent via SMS, e-mail and print Tally screen for entering multiple line item amounts Enhanced tip features: prompt for tip; 3 suggested tip percentages; Custom Tip; No Tip options In-app passcode lock History filtering for transaction types TECHNICAL SUPPORT For assistance related to processing, transactions, applications, and settlement, please contact your QwickPAY Service Provider. Your QwickPAY Service Provider is the vendor that provided you with your Login credentials, or you can directly contact your processor (the entity that supplied your merchant account). They will be able to provide you with the best possible service. Most merchant account providers have 365/24/7 support. OTHER FEATURES QwickPAY provides unmatched security for cardholders and merchants. Dynamic Payment Card Data. Encryption within the read head – Decrypted data delivered only to a PCI-DSS certified payment processor or gateway. Tokenization of sensitive data. Authentication (Card, Cardholder data, Card Reading Device, Host, Session) Eliminates the costs and hassles related to the chargeback process by identifying counterfeit cards.

What is POM? (PIN-on-Mobile or PIN-on-COTS) Traditionally, PIN Entry for Chip and PIN or PIN Debit has been implemented on special hardware with a physically secure numeric PIN Pad. In January 2018, the PCI Security Standards Council announced a new method for secure PIN entry called PIN on Mobile that allows the use of Consumer-Off-The-Shelf (COTS) devices. Why was this new PIN-on-Mobile system created? Merchants, especially small and micro merchants, need a lower cost, more easily available solution than traditional hardware-based PIN entry terminals. This enables these merchants to accept card payments and, therefore, result in increased card payment volumes. In addition, many governments are now advocating for card payments as a way to disburse governments benefits, track and collect taxes as well as fight corruption that can be occur with large amounts of cash. What is needed to support PIN-On-Mobile? The secure end-to-end PIN-on-Mobile solution is defined by the Payment Card Industry (PCI) Software-based PIN Entry on COTS Security Requirements. All systems must have the following components to meet the requirements: • A Secured Application - For PINned transactions, the secured app will generate PINPAD for PIN Entry - PIN is encrypted by an AES key which is protected by Whitebox Cryptography. The AES key will be updated once per month • Backend Security Monitoring Component - Sends notification and disables the device if abnormality is detected - A heart beat signal monitors the integrity of device and the secure application running on the device • A Secure Card Reader - PCI PTS 5.0 certified EMV card reader without MSR reader - Acquirer PIN key is injected into the device for Encrypted PIN block generation