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Table of Contents

Lead Story

Gen Y poised to rock payments


Industry Update

Senate committee brings interchange to account set for Boot Camp

Opening Pandora's Box?

HMS' parent sold

Alleged TJX cyber criminals indicted

Payments primed for new growth

To listen actively

Vicki M. Daughdrill
Small Business Resources LLC


GS Advisory Board:
What's up in this downturn? - Part I

In transit with the unbanked

Generation Y not?


Banking on generational changes

Patti Murphy
The Takoma Group


Street SmartsSM:
Telemarketing - The horn of plenty

Jason Felts
Advanced Merchant Services

Bold new mode in modems

Dale S. Laszig
DSL Direct LLC

It really isn't what you know

Nancy Drexler
SignaPay Ltd.

The buyers are back

Lane Gordon

To listen actively

Vicki M. Daughdrill
Small Business Resources LLC

The buyers are back

Lane Gordon

Company Profile

IMS Inc.

New Products

Mirror success with facecard

Company: edő Interactive

Data breach insurance has your back

Merchant Data Security Policy
C.L. Frates and Company


Burnish legacy with mentoring

Burnish legacy with mentoring



Resource Guide


A Bigger Thing

The Green Sheet Online Edition

August 25, 2008  •  Issue 08:08:02

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Bold new mode in modems

By Dale S. Laszig

There are as many styles of selling in our industry as there are merchant level salespeople. Whether we call our business merchant services, value-added solutions or recurring revenue platforms, we share a common denominator: We depend on high-speed modems to perform our work.

Just as we have had to adapt to changes in our industry that affect our styles of selling, our modem technology has been changing to keep up with advances in global communications.

Ten years ago, the dial modem was the predominant vehicle for processing credit card transactions. Terminal manufacturers competed in the high-speed modem space, and white papers were written about modems.

Transaction speed depended not just on a modem's baud rate, but also in its ability to sync up with a receiving modem.

Dial slowdown

Today, when merchants complain about batch and transaction wait time and time-out messages on dial terminals, it's usually because the terminal's modem is not able to "train down" to match the baud rate of the receiving modem. Nine times out of 10 these problems can be solved by adjusting the terminal's modem speed.

Here are some other factors that can slow down a dial terminal:

Protocol update

Let's face it: Downtime is expensive. Power failures and phone line issues can result in lost sales and time wasted on troubleshooting. The best way to protect merchants from the pitfalls of older dial infrastructure is by introducing them to newer electronic processing technology.

Today's merchants can securely process credit card transactions using an array of proven and affordable communication protocols. Cellular, Wi-Fi or Internet protocol- (IP) enabled technologies are so much a part of our lives and our mainstream merchant populations that any of them can be used as a backup or alternative to dial.

Here's a closer look at some of the new improved modem technology:

No matter how you describe your particular brand of credit card processing, it's the technology that will be doing the actual work. High speed, redundant systems will keep you and your merchants prospering long after the sale is done.

Dale S. Laszig has a varied background in sales for First Data Corp., Hypercom Corp. and VeriFone. Her dedication to technology, writing and graphic design led to the formation of DSL Direct LLC, a marketing services company geared toward payment professionals. She can be reached at 973-930-0331 or

Notice to readers: These are archived articles. Contact names or information may be out of date. We regret any inconvenience.

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Spotlight Innovators:

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