Wave goodbye to your cash?

With Visa payWave, you simply wave your Visa card in front of a secure reader, and you’re on your way. Most of the time, a signature is not required for purchases under $25, plus, you retain control of the card during the transaction, which reduces the risk of fraud.

Visa USA | Personal | Visa payWave

Engadget mentioned the rolling out of Visa’s payWave with a giveaway at a San Francisco Giants’ game to get people interested in their new ‘convenient’ payment device. RFID is all very well for a lot of applications like library books or security tags in stores, but for your VISA card? So let me get this right, for low value transactions, a signature is not required? And all you need to do is be close to the reader?
Continue reading Wave goodbye to your cash?

Maestro, music please

We’ve been working on a change request to add Maestro to the credit cards that we accept for ecommerce payments. Switch started in 1988 but has now merged with the Maestro network owned by MasterCard in the UK.

Until recently, if you took Switch payments then UK customers who had new Maestro cards would still be ok (as long as you accepted the new 6759 prefix for your payments) however with the merging of the worldwide card base there’s a whole new set of card numbers which need validating.

A quick search on 18-digit Maestro cards that HSBC have been issuing raised a few e-commerce shopping cart forums where people were confused about these new card types. So I thought I’d share my findings:
Continue reading Maestro, music please

Credit card validation

We’ve been updating the e-commerce side of the website to work with Maestro cards in the near future. As a result, I’ve had my first delve into card processing and some of the simple techniques that you can use to validate a card before submitting details to a bank / online card processing service.

The strange sounding Luhn Algorithm is used as a quick checksum of the credit card digits (and a few other things) and will detect most transposed digits. Continue reading Credit card validation