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Privacy, Security, and Compliance

What is P2PE?

Point-to-Point Encryption (P2PE) protects your customer’s payment data by encrypting it at the point of entry before you send it to your processor. The data can be unencrypted using only the processor’s secure key, so even if a fraudster steals the data they can’t use it. Read more

How can I help prevent fraudulent transactions?

The actions you can take to help prevent fraudulent transactions depend on whether you sell goods online or sell goods in-store. Selling goods online Use AVS or 3-D Secure to verify a cardholder’s identity during online transactions. Read more

What is PCI-DSS?

The Payment Card Industry Data Security Standards (PCI-DSS) are a set of requirements that you must follow to protect sensitive cardholder data. Sensitive cardholder data is information from a payment card that an issuing bank can use to authorize a transaction. Read more

What is AVS?

Address Verification Service (AVS) is a fraud prevention service for card-not-present transactions and keyed transactions. AVS prompts the cardholder to provide their billing address when they are entering their payment card details at the checkout. Read more

What are fraud screening tools?

Fraud screening tools are software that analyze transactions and indicate if a transaction is likely to be fraudulent. Fraud screening tools provide you with information that allows you to decide whether to continue with the transaction. Read more

What is 3-D Secure?

3-D Secure is a fraud prevention tool that provides additional security for online transactions. Issuing banks use 3-D Secure to help verify the cardholder’s identity during a transaction. Note: Using 3-D Secure shifts the liability for chargebacks to the cardholder or issuing bank. Read more

What is TLS?

Transport Layer Security (TLS) is an encryption protocol that devices use to protect the data they send over a network. TLS helps to keep your data safe and protects it from attackers. Read more

What do I need to do to comply with PCI-DSS?

To comply with PCI-DSS requirements, you must do the following: Use equipment and systems that comply with the PCI-DSS’s requirements for processing and storing sensitive cardholder data Educate your employees about the best practices for working with cardholder data Complete an annual self-assessment questionnaire (SAQ) or an on-site audit by an external assessor each year Carry out software scans to discover potential flaws in your system Best practices You should also follow our best practices to help you secure your network, which include the following: Do Use only PCI-DSS approved PIN entry devices Use a properly configured firewall on your network and computers Use strong passwords and change the default passwords on hardware and software Don’t Share passwords with employees Use passwords more than once Use weak or insecure protocols for connecting to your access point Connect to access points you don’t trust or haven’t set up yourself Leave your POS devices unattended Read more