GS Logo
The Green Sheet, Inc

Please Log in

A Thing
View Archives

View PDF of this issue

Care to Share?

Table of Contents

Lead Story

Data breaches, more than bad publicity


Industry Update

Insuring against compromise

Negotiating the economic currents

U.S. court trims AmEx's clause

ACH network gets more mobile


GS Advisory Board:
Challenge breeds opportunity - Part I

PCI Compliance for Dummies

Sumedh Thakar and Terry Ramos

Standing together against online fraud

And the nominations are

Selling Prepaid

Prepaid in brief

eCommLink refocuses, targets global remittance

Data breach leads to payroll card fraud

Event Innovation Inc.
Stored value - That's the ticket


Coming in from the cold at NEAA

Patti Murphy
The Takoma Group

The HMS odyssey

Ken Musante
Moneris Solutions Inc.


Street SmartsSM:
Rules by which to thrive, not dive

Jason Felts
Advanced Merchant Services Inc.

How to write right

Nancy Drexler
SignaPay Ltd.

Dead-on delegation

Vicki M. Daughdrill
Small Business Resources LLC

Keep an eye on the store

Adam Atlas
Attorney at Law

The lowdown on downloads

Dale S. Laszig
DSL Direct LLC

Company Profile

TransFirst Holdings Inc.

MicroBilt Corp.

New Products

Giving salons, spas the Midas touch

TouchSuite Salon POS
Company: Invenstar LLC

RDC, scanner tandem for small merchants

Jack Henry & Associates Inc.


Cut back without cutting out



Resource Guide


A Bigger Thing

The Green Sheet Online Edition

February 23, 2009  •  Issue 09:02:02

previous next

The lowdown on downloads

By Dale S. Laszig

The term "download" originated in the computing world; in the payments industry it refers to a file sent from a host processor to a credit card processing device.

For those of us who know only too well what a download is, here's good news: Downloads have become faster and easier than ever.

Still waiting for onscreen bars to turn to stars or hoping your download will be finished by the time you get back from lunch? New technology reduces wait times and offers time-saving strategies to get POS terminals programmed and out the door.

Twenty years ago, when dial modems were the primary method of data transfer, downloads could take up to an hour. Today, software applications can be loaded in a few minutes, or even seconds, with the use of smart technology.

This technological advancement is important because ISOs and merchant level salespeople don't make money until downloads are finished.


Whether it comes to downloading single terminals or a large population of devices, even the most experienced help-desk professionals rely on checklists to stay on track. And you should too.

Following is a sample hardware checklist:

The download two-step

Most downloads are two-step processes: a program load and a parameter load. The program load gives a terminal its primary software application. The parameter load gives the terminal its unique identity, including merchant identification number, receipt header and a list of credit cards it accepts. Some manufacturers have combined these two steps into one simple download. Each terminal type will vary.

When you have confirmed that your terminal is ready to be downloaded, what method will you use? Here are a few examples:

Spotlight Innovators:

North American Bancard | Simpay | USAePay | Impact Paysystems | Board Studios