Card Industry News

The latest card industry news brought to you by Hemisphere West Europe

The new £1 coin will enter circulation in March 2017, are you ready?

In 2014 it was announced that the £1 coin will be replaced in 2017 with a far more secure 12 sided bi-metallic coin. Our current £1 has become increasingly vulnerable to counterfeiting. Roughly one in every 30 £1 coins in circulation is now a counterfeit, generating significant cost to taxpayers, industry and the general public. From March 2017 both current and new £1 coins will be in circulation for 6 months where after the current £1 coin will be removed from circulation.

As the new design has been a complete overhaul, material specifications and dimensions have been radically changed. There is a demand for a quick and simple solution to being able to accept the new coin when the circulation date drops. If you have 100's of coin selectors or just 1, Hemisphere West Europe Ltd can provide a service or coin update options so you can prepare yourself and be ready to accept the new £1 coin.

HWE have the facility to update the following coin acceptance mechanisms;

  • wh Munzprufer EMP 800 Series
  • wh Munzprufer EMP 900 Series
  • wh Munzprufer EMP 500 Series
  • MEI Cashflow CF7000 / 9500 Series

From our offices in Oxfordshire we charge £15.00 per unit to update software and if necessary firmware on EMP series coin selectors to enable acceptance of the new £1 coin. If you are looking to reprogram your coin selectors yourself and wish to learn more on how to do so, we have alternative options for you also.

For wh Munzprufer EMP series coin selectors HWE can provide programming software which will enable you perform all updates yourself. There are 2 variants of whEasy which are;

  • whEasy - This is the complete programming tool with power supply from wh Munzprufer which includes the software, desk unit power supply and all cables needed for reprogramming.
  • whEasy Mobile - This is a compact package of whEasy and consists of the software, the Mobile dongle and all the cables needed for reprogramming. This variant is more suitable for travel/on site programming.

Both versions require a PC / laptop to run the programme.

With the EMP 800 Series only v5 and v6 coinfiles will be available from the factory, v4 is a legacy product and is no longer supported by the manufacturer. V5 files are chargeable but v6 files are without cost.

CPI have not yet finalised arrangements for the CF7900 / 9500 range but as the coin size is different on the new £1 coin it is likely a new tube will be required on the CF7900 coin changer.

Please contact HWE on 01793 780461 or for more details.

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What factors do I consider to accept credit card payment in an unattended environment?

Acquirer / Gateway
We recommend you first consider the Acquirer, are you set on using a particular acquirer? If so we can advise who has a solution with that acquirer, it is not the case that every payment gateway will have a solution with every acquirer. If the acquirer is not pre-set then select a payment gateway, they will have a list of supported hardware devices. The payment gateway will provide their software that interfaces between the payment hardware device and their processing centre, this reduces the requirement to develop your own software from scratch, it’s not plug n play but saves a massive amount of work


Hardware devices are designed for two environments, indoor and outdoor, the hardware you choose should be suitable for the environment it will be used in, unattended devices are built to a different standard than indoor devices, they are designed to withstand moisture ingress, temperature extremes and impact attacks, they have in built tamper switches which activate if an attempt to open the device is detected and have a password controlled activation mechanism. All new devices will conform to PCI PTS 3.x or above which is the security standard for hardware devices as defined by the PCI.

Listed below are the three main hardware devices, as of December 2015 all new card payment terminals must offer the customer the option to pay via contactless, so all three would be required for new deployments;

Pinpad – this allows the entry of PIN’s.

Card reader – reads the credit card usually by the chip but also has the capability of reading the magnetic stripe if the card is non EMV.

Contactless reader – reads contactless cards or other contactless enabled products (e.g. wristbands) as well as Near Field Communication (NFC) devices such as Apple pay.

Having all three devices will cover all possible options for card payment, but not all transactions require a PIN entry as the transaction value may be under the limit where a PIN is necessary, in this situation you could not have a Pinpad and thereby have a lower hardware cost.

Some manufacturers have a modular product, i.e. each device is separate and connected via cables and some solutions are all in one’s, i.e. a card & contactless reader in one device. You can see the different form factors on our website under products.

If you need help please contact HWE on +44 (0) 1793 780461 or

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Visa Contactless Mandate

Way back in September last year Visa announced that they are establishing contactless acceptance as standard by 31st December for merchants accepting Visa in Europe. With ever growing use of contactless payments in the last couple of years and with the contactless limit rising to £30 per transaction, contactless is quickly becoming the major player in card payments. From the announcement in October 2014 there are two points that need to be heard.

Any terminals that already exist have until December 31st 2019 to offer the facility for the client to pay by contactless means.

As of 31st December 2015 any new deployments must offer the facility for the client to pay by contactless means.

I want to briefly touch on the benefits of offering contactless payment.

  • Quick & easy
  • Reduces cash dependency
  • Replaces low value transactions
  • Compact in size
  • Same security as EMV
  • Faster transactions
  • Mobile Payments
  • Queue Buster

Most important of all is the December 2015 deadline, effectively all new deployments of card payment terminals must offer NFC (Near Field Communication) Technology by 31st December 2015. With growing demand and advances in the technology this is a big move by Visa and one which will be welcomed by contactless/NFC users all over Europe. With the increasing number of contactless cards creates higher consumer awareness and more applications offering the facility to pay by contactless means . In addition it will replace cash being used for low value transactions as its fast and secure. Car parking tickets, vending machines, libraries, small shops, etc. and soon to be taxi fares will all be made easier using contactless.

However, the December 2019 deadline gives sufficient time for a terminal to run its life-cycle of around 5 years, but ultimately must be upgraded by the deadline date.

Introducing Mobile payments like ApplePay gives NFC technology a fresh look and entices consumers to adopt the technology. Mobile payments use the same technology as contactless cards and have the same high security as you would expect from a usual bank card. All major banks have accepted this and are overwhelmingly satisfied with the popularity and convenience of it.  Using biometrics (fingerprint) to complete any transaction it gives the consumer peace of mind knowing it will only accept their unique fingerprint via TouchID or alternatively a personal passcode can be entered.

For more information on the contactless mandate and the deadlines mentioned above please call HWE on 01793 780461 or alternatively visit our website:

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