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Education

service. It is huge a huge benefit to gas stations that are which gives an extra level of protection. This results in less
targeted based on their location to have an extra measure fraud.
of fraud protection before the fuel can be dispensed and
the gas station experiences a loss. Proactively putting merchants on VTA at the time of setup
reduces fraud at the pump. Check with your ISO/processor
A complicated integration to see how you can enroll your merchants in this program.

With The U.S. migration to EMV chip technology underway Also, if you have merchants with a high chargeback rate,
for fuel merchants and a date for compliance now set for a good retention tool is to get them on VTA to help reduce
October 2020, some speculate that the fuel industry will fraud. They will see a significant change quickly while
not be ready by the deadline. The card brands recognize deterring fraudsters from using their pumps as a means to
that the fuel industry has unique challenges with a check whether stolen cards are still active.
complicated infrastructure and specialized technology
required for fuel pumps. It is not an overstatement to say this service is truly
beneficial. It has been instrumental to many of our
In many cases, to become compliant store owners have had merchants and has significantly reduced fraud.
to replace their pumps altogether, ripping up concrete and Safari Njema!
installing new pumps. In addition, there are still issues
about developing and providing a sufficient supply of Dee Karawadra is president and CEO of Impact PaySystem, and Emily
regulatory-compliant EMV hardware and software. Visa Karawadra is the company's chief financial officer. Since 2001, Impact
is suggesting that merchants utilize VTA and AVS to help PaySystem has been a leading provider of payment processing technolo-
combat fraud at the pump in the interim until EMV is fully gies and services to merchants throughout the United States. Through
functional. alliances with payments industry leaders such as Chase Paymentech,
First Data, Buypass, Sage and more, Impact PaySystem offers tailored
Once EMV is fully implemented at AFDs it does not mean solutions to meet the unique needs of each merchant. Dee and Emily will
that fuel retailers should stop using VTA. The service uses welcome your questions and comments at dee@impactpays.com and
recent fraud trends to help score the risk of transactions, emily@impactpays.com, respectively.