We love our clients, and occasionally they have questions. Here are some answers.


I need to order more paper rolls for my terminal. How can I do that? Out of paper? Congratulations, you must be processing a lot of payments. Order more paper here

What is PCI Compliance, and why do I need to do it? Data security is crucial for any business that accepts credit and debit cards. A typical data breach costs a small business $25,000 to $50,000. Semper clients who successfully complete the PCI Compliance process may receive as much as $100,000 in coverage per security breach incident. To increase awareness and facilitate better policies and procedures around the handling of cards and payment data, the major card brands created the Payment Card Industry Council (PCI). The council oversees the Data Security Standard (DSS) for the industry. Semper Payments works with clients to see them through the PCI-DSS compliance process so that they can implement security policies and guidelines geared toward best practices in their organizations.

I haven't received a monthly statement yet. Not a problem. Many processors charge a monthly fee for paper statements, so we don't sign our clients up for them unless they request it.  In order to view statements online, please complete the registration process here.  If you would prefer to receive a paper statement, let us know here.

What is EMV, and why do I need it? EMV (an acronym for Europay, MasterCard® and Visa®) is a global technology standard for payment cards. An EMV terminal will communicate with the chip on the EMV card (commonly referred to as a Chip Card) at the time of acceptance to validate the authenticity of the card with the entity that issued the payment card.   EMV helps reduce counterfeit card fraud.  Upon implementation of EMV in the United Kingdom, payment card fraud rates immediately dropped by 25%.  By accepting chip cards you help protect your business from card fraud liability and prepare your business for the future payment application technology.

Why do I need an EMV terminal if my current terminal works fine? Your current terminal may function correctly for magnetic stripe cards, but an EMV terminal is required to support chip-enabled cards. On October 1st, 2015 Visa, MasterCard, and American Express shifted liability for stolen card transactions to merchants who are not EMV/chip compliant. In order to protect your business from potential card fraud liability, you will need an upgraded EMV enabled terminal solution.

How do Chip Cards Work?
Instead of consumers swiping a credit card as they do today, consumers will insert the chip-enabled card, chip side up, into an EMV terminal. The terminal will then read the chip on the card to ensure that the card is valid. The card will stay in the terminal until the transaction is complete.

All Semper Payments clients have access to an online reporting platform with the following:

Montly Statements: View summaries of batch and fee totals, as well as year-to-date trend data.

Processing Volume: Easy access to processing amounts updated monthly to provide reports on transactions, chargebacks, credits, returns, and other expenses related to your electronic payment processing. Reports are easy to understand and roll-up monthly, quarterly, and annually for up to 4 years.

Electronic 1099-K: You can sign up to receive your Form 1099-K electronically to avoid postal delays or delivery and security issues. This 24/7 reporting tool helps you save valuable time while completing your business tax reconciliation each year.