Ritz Camera Coupons, Coupon Codes, Promotional Codes and Pro
Ritz Camera Coupons
What Are Contactless Payments?
Contactless payments create a whole new field of payment options for merchants. Contactless payments are quick, simple and pave the way for greater profits. A smart computer chip, with data and an antenna is embedded into a credit card, debit card or fob. When the card or fob is tapped on a radio frequency reader, the reader sends out a radio signal that activates the card, the information on the card is read and the payment is processed without a signature for purchases less than $25.00 with no chargebacks to the merchant.
“Merchants don’t need to worry about compatibility with their present systems or security” said, Mohamed Khan, President and Founder of ViVOtech, Santa Clara, Calif.-based developer of contactless software, transaction management systems and readers.
“We have been working closely with processors, card issuers and terminal providers to create an open system using the IS0 14443 standard. It uses secure encryption technology. The contactless card doesn’t leave the customers’ hands therefore it is more secure and there’s no skimming of data,” assured Kahn who sees contactless as a great opportunity for merchants to increase revenue. He envisions contactless payments as a replacement for cash because they are faster, more convenient and cost less due to less shrinkage and less labor involved.
There are two types of contactless readers available: Peripheral Contactless Readers (PCRs) that plug in to existing POS terminals, and Integrated Contactless Readers (ICRs) that replace traditional readers and offer both magnetic-stripe- and contactless-reading capabilities. Merchants can purchase either type of reader. The PCRs usually cost around $150. Some merchant service providers such as Acies, however, are offering deals competitive plans and free readers with terminals.
David Robertson, Publisher of The Nilson Report (Carpinteria, Calif.) estimates that there are 12 million contactless cards currently in circulation in the U.S. He predicts that first contactless successes will be at the brand name retailers and then merchants in the areas where cards are deployed will follow suit when their customers ask to use their contactless cards.
Customers are asking for contactless in the New York Metro area where many cards have been “dropped,” says Oleg Frier CEO and President Acies, Inc, a New York City-headquartered national payment processing and financial services provider. Other areas where there are substantial contactless readers and cards include Atlanta, Philadelphia, Denver, Dallas and Orlando, says Khan.
Studies show the speed and added value of contactless payments because typically when someone does not pay with cash the amount of the transaction increases. Visa trials showed their contactless card transactions were 25% faster than cash. MasterCard PayPass trials showed an increase in transaction amounts and 12 to 18 second reductions in payment times for drive-thru transactions. Aite Group reports that CVS, the drug store chain, has found the average contactless transaction takes 12.5 seconds, versus 26.7 seconds for magnetic-stripe card payments and 33.7 seconds for a cash transaction.
Merchants who have a small time frame to service customers, such as fast food restaurants, coffee houses, movie theatres, drug stores, convenience stores and drive-thrus can benefit greatly from contactless payment methods. McDonald’s, AMC Theatres, CVS, Meijer, Duane Reade, Regal Entertainment, Ritz Camera, Arby’s, Cold Stone Creamery, Eckerd, Carl’s Jr., Good Times Burger, KFC, RaceTrac, Subway, Sonic (Drive-In Restaurants) and Walgreens have installed contactless readers. Convenience stores are gearing up to accept contactless payments. Contactless readers are being installed in 5,300 7-Eleven stores and 350 Sheetz stores. WaWa markets is installing over 2000 readers in its 540 stores co-branded with a credit card and loyalty program.
Card associations are also gung-ho for contactless payments.
“It takes a village to launch a new technology, at Visa, we have an absolute commitment to assure success of contactless payments,” said Elvira Swanson, Visa spokeswoman. Visa, with four million Visa Contactless cards in circulation, offers collateral materials, online demos, and merchant support teams to help educate merchants.
“This is the real thing. Contactless is beyond the ‘chicken and egg’ concept stage now, when you look at how many financial institutions have made the decision to offer contactless and the number of national merchants accepting it,” said T.J. Sharkey, Vice President, Business Development, U.S. Acceptance, MasterCard International. MasterCard is supporting contactless in many ways. Merchants who accept contactless payments are listed at the MasterCard Web site where there are demonstrations on how their Tap N Go, PayPass cards work. Television commercials illustrating their PayPass cards are airing nationally.
Banks issuing contactless cards include Citibank, MBNA, HSBC (debit cards), JP Morgan Chase, Key Bank (debit cards) and Citizen.
There have been several pilot contactless programs in sports stadiums including San Francisco, Seattle, Baltimore, and Philadelphia. Recently, another form factor of contactless has been added into the mix, with the trial of NFC (Near Field Communications) contactless payments from cell phones at the Philips Arena in Atlanta. Season ticket holders with Chase-issued Visa credit accounts and Cingular Wireless accounts can make contactless payments by simply holding their Nokia mobile phones equipped with Philips’ NFC semiconductor chips and ViVOtech software near one of the 150 terminals. NFC is compatible with ISO 1443 readers has other features such as the ability to transmit a coupon to a reader.
“Contactless payments are the wave of the future and will change the way the world pays for purchases,” Khan said enthusiastically.
About the Author
Go to the Lung Pain website for information on pain in the lungs. Visit the Meaning Of Roses website for info on symbolism of roses. Want to learn everything on good lab values? Visit the Normal Lab Values website.
Visiting Cancun on the Cheap
With its whitewashed beaches and azure waters, the Mexican paradise of Cancun balances the peace of the beach with a fun and fabulous nightlife, including clubs such as Coco Bongo and My Place.
When you are not lazing or dancing, you can swim with dolphins, deepsea dive, and snorkel. Or golf, shop, ride horses, and drink in the ancient Mayan archeological sites.
In October of 2006, Hurricane Wilma devastated many areas of the Peninsula. But help has since rolled in from all over the world, and many areas of the city have been rebuilt. In some cases, they have been upgraded to higher quality hotels and wider beaches.
Best Travel Times
The hurricane season begins in September, so opt for cancellation insurance when booking flights during this time.
You might also want to consider planning your vacation during the off peak winter months, because airfares and hotel rates tend to be less inflated. Look for midweek bargains, which are generally most significant from Tuesday through Thursday. You can save a lot by shopping around for travel packages and discount air travel. Make sure you tell your travel agent about your budget and what kinds of attractions and experiences are most important to you. If you do not work with a travel agent, keep your eye on the major online travel sites to snag the best deals. Here is a web page that compiles and posts updated coupon codes from Travelocity, Expedia, Site59.com and CheapCarribean.com:
Keep your eyes and ears open for deals on the following popular hotels, in particular:
Le Blanc Spa & Resort
Royal Sands
JW Marriot Cancun Resort & Spa
Ritz Carlton Cancun
Hilton Cancun Golf & Spa Resort
Marriot CasaMagna Cancun Resort
Fiesta Americana Grand Coral Beach Cancun
Riu Palace Las Americas
Royal Islander
Riu Cancun
Surrounding Attractions
There are so many things to do in the Cancun area, you can afford to be selective. Plan ahead for day trips and go early, before the sun gets too hot and the crowds come out en masse.
Here are some popular attractions in the area you will want to consider:
Chichen Itza: Ancient Mayan archeological structures
MayaVenture: A labyrinth with treasure hunts
Plaza de Toros: A bullring that has bullfights every Wednesday afternoon
Cenotes: Deep, water filled sinkholes in limestone
Isla Mujeres: A small and charming island 8 miles across the baby from Cancun
Playa del Carmen: Small resort town about 40 minutes south of Cancun by car
Xcaret EcoPark and Sian Kaan biosphere along the Riviera Maya
Xel Ha: Archeological site and ecopark, located between Playa del Carmen and Tulum.
Tulum: Best known for its Mayan ruins. Tulum is also the starting place for much ecotourism and adventure travel.
Other Cancun Travel Considerations
If your primary goal is to visit Cancun on the cheap, the best advice is to find accommodations out of the “hotel zone” which is located right in the middle of the city. There are plenty of things to do there and lots of great places to visit but the hotel and restaurant prices can get pretty steep downtown.
Here is a checklist of items you will want to pack for your Cancun vacation:
Clothing: Several pairs of comfortable shorts, tee shirts, dress slacks, a sundress, sweater or light jacket, socks, undergarments, sandals, tennis shoes, plastic bag for dirty clothes
First Aid: Pain relievers, eyedrops, necessary medications and prescriptions, bandaids, neck pillow
Protection: Sunglasses, eyeglasses and/or contact lens, sunvisor or baseball cap, umbrella or rain poncho
Snacks: Peanuts, crackers or potato chips, gum, candy and bottle of water
Equipment: Camera, extra film, batteries, portable compact disc player with headphones, favorite book
Documentation: Valid passport, drivers license and birth certificate, emergency contact information, money and travelers checks, computer printout of airline ticket confirmation. (Make sure to write the name of your destination hotel inside and outside of luggage and be sure to have an adequate lock on each piece of baggage.)
Vacationing in Cancun need not be expensive because it does not cost much at all to lounge on the beach, swim, backpack, picnic, take photos, walk along the beaches and the streets, and to simply sit still and enjoy the sights and sounds of the city and surf.
About the Author
Jamie Jefferson compiles the latest online Coupon Codes including Mexico Travel Deals.