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Scrapping Card Fees
Rob Crutchington, Director at Encoded, discusses the changes for consumers in light of the latest government legislation banning credit and debit card surcharges and who will really benefit as a result. According to the Treasury, in 2010 the total value of surcharges...
GDPR Compliance
With the General Data Protection Regulation (GDPR) coming into force on 25th May 2018, many organisations are starting to consider what it will mean for them. Overriding national data protection laws and including new...
Deferred Debit Cards
Merchants and Payment Services Providers (PSPs) generally deal with three main types of card; Debit Cards, Credit Cards and Charge Cards. The rules and processes surrounding each of these card types has for the most part been clear...
Know more about PCI DSS compliance
We have just published our new booklet “The Truth about PCI DSS compliance in contact centres”, a compilation of blogs discussing many of the issues around this complex subject. Although the Payment Card Industry Data Security Standard (PCI DSS)...
Ditch the CVV
There are a number of myths around the three-digit card verification value (CVV) code found on the back of a MasterCard or Visa card (four-digits on the front if paying by American Express). However, is it time to ditch the code...
Green Star Energy Press Release
Green Star Energy, one of the newest entrants into the UK’s competitive residential energy market, has deployed interactive voice response (IVR) and automated payment technology from Encoded to offer customers a 24-hour meter reading...
A day in the life of a contact centre card payment
Have you ever thought about what happens once you enter your debit or credit card details into an automated system or read them out to a contact centre agent? The answer isn’t easy but it is more straightforward than many would like you to believe...
Six Design Tips to Improve IVR
Ask people in the street about interactive voice response (IVR) systems and you are likely to get very different viewpoints. Loved by many as a quick way to make a payment, check a balance or top up credit on a mobile ‘phone, many customers...
Five reasons why every contact centre should have a PCI DSS Compliance Programme in place
With Christmas fast approaching, contact centres are starting to prepare for increased calls and transactions. However, with payment card fraud continuing to rise and data theft constantly in the news, non-PCI DSS compliant contact centres...
Whose responsibility is it anyway?
The Payment Card Industry Data Security Standard (PCI DSS) was originally the brainchild of the world’s five largest payment card providers VISA, MasterCard, American Express, Discover and JCB International. Today, it is a global framework...
Wise up on PCI DSS and Save a Fortune
Every contact centre that accepts credit and debit card payments over the telephone needs to be PCI DSS (Payment Card Industry Data Security Standard) compliant. However the process of becoming and staying compliant can be hugely expensive...
White paper – Telephone Payments and PCI DSS
Making payments via a credit or debit card is now largely common place but the regulations around accepting card payments over the phone remains a mystery to most organisations. This is your chance to read the ultimate white paper...