Secure Payment Processing

Tips for Safeguarding Your Customers’ Credit Card Data

Allowing your customers to pay by credit card makes life a lot easier for them. It’s convenient, it improves their credit score, and it makes a great avenue for loyalty plans. However, it also puts them at risk. If unscrupulous people get hold of someone else’s credit card details from you or your business, the…

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What is Credit Card Tokenization?

Briefly, credit card tokenization involves replacing customers’ Primary Account Number (PAN) with a series of randomly generated sequences that can pass through payment networks without exposing sensitive data. It is a highly effective data security system designed to prevent fraud and frees merchants from the responsibility of maintaining card data on their payment systems. How…

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How Secure is Payment Processing?

You don’t have to go far to look for recent data breaches or cyber-attacks. Research shows that in the first six months of 2017 there were 918 data breaches that compromised 1.9 billion data records. That was a 164% increase over the same period in 2016. Scary! But there are often warning signs of potentially…

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How PCI Security Requirements Protect You

The Payment Card Industry (PCI) Council is a regulatory body that recommends security measures for card transactions. It’s not a legal requirement, but many card networks trust it. Visa refuses to transact with anyone that isn’t PCI compliant, and since it’s the most popular card network, that doesn’t leave most merchants much choice. The PCI…

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How to Protect Your Business from Credit Card Fraud

The idea of card fraud is frightening, both for businesses and customers. But with swiping becoming a standard part of life, there are more mechanisms in place to protect us. Let’s look at some tactics we can use to keep our cards and our money safe. Double-check encryption levels The form of credit card fraud…

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Does My Business Meet PCI Standards?

When people say PCI, they’re usually referring to one of two things. They either mean the Payment Card Industry DSS (Digital Security Standards), or the PCI Council, which is the regulatory body that developed those standards. This council isn’t a punitive authority. It doesn’t issue any actual certificates, and it doesn’t fine you if you…

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Why are EMV Credit Cards More Secure?

If you are still stuck on magnetic strip credit cards, it’s time to move on. Not because you are out of date (although you are), but because fraudsters and identity thieves just love magnetic strip credit cards and magnetic strip debit. They have learned how to skim magnetic strip cards in seconds without anyone seeing…

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How Does the PCI DSS Work?

Before looking at how PCI DSS works, it’s helpful understand what it is. PCI DSS, or Payment Card Industry Data Security Standard, is an ever-evolving set of technical standards that was launched in 2006. Improvements, updates and milestones are ongoing, and 2018 has seen a number of mew requirements being implemented. The aim is to…

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A Short Guide to Online Security for Credit Card Payments

You’ve probably heard some scary stories about phishing scams and identity theft. While it’s possible for someone to access your account through your credit card details, it’s just as possible to protect yourself (and your clients). First, common sense. Don’t share photos of your credit card, because it’s easy for somebody to zoom in and…

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SSL and PCI Compliance Explained

Online security measures are essential for businesses that accept card payments either online or in store. SSL certificates and the PCI standards are two of the main security options when dealing with card payments. What is SSL? SSL stands for Secure Socket Layer, a standard security technology that establishes an encrypted link between a server…

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