Bob Carr

Chairman and CEO ...

Bob Carr is chairman and CEO of Heartland Payment Systems. You can reach him at

Articles by
Bob Carr

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CSP Magazine

Industry View: How to Ease the High Cost of EMV

With EMV (EuroPay, MasterCard and Visa) timelines quickly approaching the convenience-store and retail-petroleum industries, POS system providers, pump providers and merchants are preparing for the October 2015 liability shift for in-store systems and the October 2017 liability shift for automated fuel dispensers. As retailers become acquainted with EMV and the needed system enhancements to support EMV, they soon learn that EMV can be a time-intensive and costly endeavor.

CSP Magazine

Industry View: Target Breach Is a Wake-Up Call

In the shadow of the data breach at Target, the petroleum/convenience store industry cannot afford to postpone taking action to improve data security.

After a credit or debit card is swiped to accept payment, many entities may be taking a cut of your money from that transaction. You might think that the card brand—such as MasterCard, your processor and the bank issuing the card—are all taking cuts, and you would be correct. However, many others that are almost always hidden from merchants may also be taking a cut.

It’s a staggering thought. According to a report by Cisco, there will be more mobile Internet devices—such as smartphones, tablets and laptops—than people on the planet by the end of the year.

Your operational network—the computer systems, telecommu­nications components and various links that support running the business—is not a trendy or glamorous topic.

Will you observe what happens, make it happen or wonder what happened?