tender retail mcm...tender retail’s contactless payment enhancement is the simple, cost-effective...
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The payment solution of choice
tender-retail.acceo.com
Tender Retail MCM
Tender Retail MCM is a specialized middleware that handles
all aspects related to electronic payment transactions –
including the critical communication interface between the
point of sale and the transaction processor – while giving
merchants the power to choose the most cost-effective
payment processors.
If you accept electronic tender, MCM can help you lower your
costs and increase customer satisfaction, while reducing the
risk of customer data breaches.
Time-tested, scalable and exceedingly flexible, Tender Retail’s
flagship application is the culmination of over 20 years of
dedication to payment processing software. Stable, secure
and almost infinitely adaptable, MCM is the middleware
solution of choice for thousands of mid- and high-volume
retailers in every vertical across North America.
Take control of your payment transactions
FLEXIBLE AND ACQUIRER-AGNOSTIC
Because every merchant is unique, MCM is developed from the ground
up to integrate seamlessly into any retail infrastructure, regardless
of volume or legacy systems. It is designed with the knowledge that
every infrastructure is different and ease of integration is paramount,
and it is fully load-tested to meet the most rigorous requirements of
any major national retailer.
MCM supports all major card types, and allows the retailer to select
the payment processor of its choice. MCM can handle all aspects
of the transaction process: PIN pad interaction, communications
protocol, bank specific message WWWprocessing and receipt
formatting. It can even support instant online credit applications,
dynamic currency conversion and e-commerce payments.
What’s more, MCM is designed for today and tomorrow. As banks
change, as processors evolve, as new payment methods are
introduced, MCM will remain at the forefront – easily adaptable,
exceptionally reliable and dedicated to empowering merchants.
FEATURES■ Certified with North American financial
institutions
■ PCI PA-DSS certified and fully compliant with all PCI DSS requirements
■ Handles all communication for a wide range of certified PIN pads and RFID devices
■ Capable of processing PIN Debit, EMV chip card, all types of credit cards and private label cards including gift cards, loyalty cards and phone cards
■ EMV certified
Minimum system requirements▯ Current Windows or Linux operating system
▯ Pentium 4 processor or higher
▯ 2 GB RAM
▯ 160 GB hard disk space
▯ LAN adapter
Key benefits■ Ability to select and change your payment processor allows you to take advantage
of the most appealing offerings without impacting your POS; you can take advantage of the lowest transaction processing fees.
■ Limitless flexibility and scalability means you are in control of your own future when it comes to implementing new programs like gift or loyalty cards or wireless transactions.
■ Allows for simplified monitoring and advanced remote management, while instant online log files and alert management allow for preemptive client support.
■ Allows simple configuration of information specific to each POS station and new POS terminals can be added and activated while the server is still running.
The ideal complementary solution to MCM to help with remote management and data investigation.
MCM adapts to your business
MCM adapts to your business
Since our inception, our MCM solution has evolved to help numerous businesses optimize their payment
systems, including parking, reservation systems, transportation, general and speciality retail, public
services, recreation, travel, entertainment, and hospitality. MCM clients include, but are not limited to,
high-volume merchants, groceries, pharmacies, governments, restaurants, and self-serve kiosk operators.
SecurityPCI complianceTender Retail is proud to be compliant with all Payment Card Industry (PCI) merchant and software developer requirements. Our MCM solution currently surpasses the association’s strict Payment Application Data Security Standard (PCI PA-DSS) and we are committed to the continuous improvement necessary to meet PCI’s rigorous, ongoing auditing process. MCM was designed to help you comply with the Payment Card Industry Data Security Standard (PCI DSS).
Point-to-point encryptionMCM supports many point-to-point encryption (P2PE) and end-to-end encryption (E2EE)solutions in order to protect the cardholder data from the entry point to the acquirer’s secure decryption system. Card data is encrypted as the card is swiped, tapped or inserted, and thus does not enter the merchant’s system.
TokenizationIn order to offer a superior customer service, you sometimes need to store some cardholder information. Because PCI standards require that cardholder data be secured when stored in payments systems, you need a solution that supports tokenization. By running with solutions that remove cardholder information and replace it with a random value, or token, MCM ensures that no sensitive data is stored at the merchant’s level.
MCM Centralized (SERVER BASED)
MCM Decentralized
POS DEVICES
NETWORK
NETWORK
CREDIT CARD
DEBIT CARD
GIFT CARD
LOYALTY PROGRAM
PHONE CARDMCM
AC
QU
IRE
R
POS DEVICE
SECURE PIN ENTRY DEVICE
POS APPLICATION
POS DEVICE
SECURE PIN ENTRY DEVICE
POS APPLICATION
POS DEVICE
SECURE PIN ENTRY DEVICE
POS APPLICATION
NETWORK
CREDIT CARD DEBIT CARD GIFT CARDLOYALTY
PROGRAM PHONE CARD
AC Q U I R E R
POS DEVICE
SECURE PIN ENTRY DEVICE
POS APPLICATION
MCM
POS DEVICE
SECURE PIN ENTRY DEVICE
POS APPLICATION
MCM
POS DEVICE
SECURE PIN ENTRY DEVICE
POS APPLICATION
MCM
POS DEVICE
SECURE PIN ENTRY DEVICE
POS APPLICATION
MCM
MCM EnhancementsEMV Chip CardsThe adoption of chip-embedded credit and debit cards over traditional magnetic stripe cards opens up a whole new world of security and convenience benefits for merchants and consumers alike. However, complete compliance with the stringent requirements needed for EMV accreditation can provide a hurdle for many merchants.
Tender Retail’s EMV enhancement – available as an easily integrated option for MCM – takes care of all that. Fully EMV certified with all the major processors, the EMV enhancement is essential for merchants looking for a fast, affordable and complete launch to the next level of fraud prevention and customer satisfaction.
Regardless of volume or infrastructure, every merchant can realize the benefits of Tender Retail’s EMV integration:
■ Increased fraud protection
■ Reduced liability for chargebacks
■ Greater operational efficiency – no more receipts or receipt storage to verify signatures
■ Global compatibility – essential for any merchant visited by international tourists
■ Secure transactions at offline or unattended locations
■ Allows the use of wireless terminals
Tender Retail is dedicated to continuously
providing the industry standard in
functionality with our MCM enhancements.
Whether it’s pay-at-the-table, kiosks, mobile
transactions or payment via a simple
wave of a credit card in front of a reader,
MCM allows forward-thinking retailers the
flexibility to maximize these cutting-edge
opportunities in their own unique ways.
Contactless PaymentMerchants looking to build their brand image, increase ticket size and drive throughput can provide their customers with the possibility to tap or wave their card at a reader and speed through the payment process.
Tender Retail’s contactless payment enhancement is the simple, cost-effective way to realize these benefits without the expense of major system upgrades. Specifically designed to handle the demands of high-volume locations with frequent low-ticket transactions, contactless payment is a simple add-on to MCM that utilizes an RFID-driven reader to handle contactless transactions while still operating on an existing magnetic stripe infrastructure. Contactless is perfectly suited to high-volume service and retail environments.
More benefits for merchants■ Customers retain their card: Say goodbye to time-consuming magnetic
stripe card transactions.
■ Queues disappear: No more fishing for change, fumbling for signatures or waiting for PIN entry.
■ Loyalty increases: Enhance your image while providing cutting-edge convenience and service.
■ Built-in security: Contactless cards use a dynamic data authentication process that instantly validates acceptability. Plus, less card-handling means less opportunity for skimming and identity theft.
MCM Enhancements
Mobile PaymentMobile POSBecause some customers would rather leave a store than wait in line to pay for their purchases, the line busting approach is an interesting solution for retailers looking to retain those clients while offering superior customer service. By having your salespeople walk around the store with a mobile point of sale that includes a handheld checkout device, you can minimize the waiting lines while mitigating the risk of seeing your customers having second thoughts before purchasing items.
Whether your salespeople are equipped with smartphones or tablets, and whether these devices are equipped with card readers or docking stations, MCM will integrate smoothly into your mobile POS, while keeping transactional data as secure as regular point of sales do.
Smartphone contactless paymentThe mobile market shows no signs of slowing down, as billions of people around the world own a smartphone. We find more and more uses for them, and a lot of smartphone owners can’t even leave the house without them. It has even been proven that you are more likely to forget your wallet at home than your mobile phone. In light of this, it seems obvious that contactless payment with smartphones will become increasingly popular.
Payment systems equipped with MCM can carry-out smartphone transactions in a seamless and secure way. Our MCM solution is compatible with various mobile payment applications, including Apple Pay. Customers with NFC-enabled smartphones can register their card information in a mobile payment app. At checkout, they simply have to tap their phones on the payment terminal or wave it in front of the device.
Stored value and loyalty cardsA series of components can be added to MCM that give merchants the opportunity to provide their customers with a variety of stored value offerings, such as gift cards, and loyalty programs without investing significant time and money in modifying existing POS systems. These components are fully integrated within MCM – one platform manages all card transactions – meaning no standalone hardware and easy reconciliation of purchases, redemptions and promotions across multiple stored value and loyalty programs.
Our stored value and loyalty cards enhancement incorporates the same renowned flexibility that has made every Tender Retail application the industry standard. We’ve partnered with the leading providers to develop a one-stop solution that gives merchants the freedom to instantly switch to the provider that best suits their needs at any given time. Minimize expenditures and maximize customer relationships – all with a few mouse clicks.
If your business deals with electronic payments, opt for a payment solution that will keep
you ahead of the competition. Find out more about Tender Retail’s products and services today!
Main office2 Lansing Square, Suite 400 Toronto, ON M2J 4P8 Canada
Phone: 416 - 498 - 1200 Fax: 416 - 498 - 0255
tender-retail.acceo.com
North American sales1 - 888 - 225 - 2249
Production Support 1 - 877 - 808 - 5445
a division of ACCEO Solutions Inc. 1412