Category: Security and PCI Compliance


Credit Card Processing, Security and PCI Compliance

PCI Qualified Security Assessors, QIRs and PCI DSS Compliance

Ben Dwyer
by Ben Dwyer

Not meeting the requirements has many possible repercussions. In addition to opening your business up to security breaches and hacks, you could be fined by your processor or lose your merchant account. Let’s look at what the requirements are, and how you can become and stay compliant. The Acronyms Level 4 Merchants New Visa QIR […]

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January 31, 2017 marked changes to security requirements for small businesses. Specifically, that’s when businesses started being required to validate PCI compliance and ensure that they’re only using qualified companies (QIRs) to install and provide tech support for POS systems.

PCI Qualified Security Assessors

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Credit Card Processing, Security and PCI Compliance

Discover Information Security and Compliance Program

Ben Dwyer
by Ben Dwyer

In this article we’ll be exploring the Discover Information Security and Compliance (DISC) Program. Before we get into Discover’s specific rules, you’ll need to make sure you’re compliant with PCI DSS – This is an agreed set of requirements for everyone involved in the credit card system. You can check out our article on PCI […]

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If you process credit cards (whether face-to-face or online) you need to be fully compliant with the guidelines and regulations for credit card security and processing.

Discover Information Security and Compliance Program

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Credit Card Processing, Security and PCI Compliance

American Express Data Security Operating Policy

Ben Dwyer
by Ben Dwyer

They’re designed to protect cardholder data, which can improve customer relationships, your profitability, and prevent a costly security breach and damage to your business reputation. There are a few steps to meeting these regulations, which we’ll go over in this article. Make Sure You Are PCI Compliant Determine Your Merchant Level with Amex Complete the […]

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If you accept American Express (Amex) credit cards in your business, you need to meet certain requirements meant to protect your customers and your business.

American Express Data Security Operating Policy

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Credit Card Processing, Security and PCI Compliance

Visa Cardholder Information Security Program

Ben Dwyer
by Ben Dwyer

In this article we’ll be exploring Visa cards, specifically the “Visa Cardholder Information Security Program (CISP)” which over time evolved into the current PCI DSS standards. If you’re not familiar with PCI DSS, be sure to check out our article on PCI compliance. Validate Your Compliance with PCI DSS with Visa Regulations and Assessments Payment […]

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As a business owner, it’s important to stay compliant when you’re accepting and processing credit card payments.

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Credit Card Processing, Security and PCI Compliance

Guardian Security Suite by TSYS

Ben Dwyer
by Ben Dwyer

Note: Following TSYS’s acquisition by Global Payments, the Guardian Security Suite no longer appears to be available under that name. We’re leaving this article here for historical purposes, but it will no longer be updated. Any security services offered by Global will be covered in their own articles. Looking for something specific? Give us a […]

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Since 2010, when Total System Services, Inc. (also known as TSYS) purchased a majority stake in First National Bank of Omaha’s merchant acquisition business, the company has been a significant player in the credit card payment processing industry. It’s one of the largest processors in the world, and offers a full range of services.

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Credit Card Processing, Security and PCI Compliance

TSYS Card Compromise Assistance Plan

Ben Dwyer
by Ben Dwyer

In response to this threat that can cripple or virtually destroy any retail business, Total System Services, Inc. (also known as TSYS) created a Credit Card Compromise Assistance Plan (C-CAP). This service can ease the financial risk and reassure business owners who accept credit cards at their retail locations and online.  C-CAP protects them from […]

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No business is exempt from an attack on their sensitive credit card customer databases by hackers and other criminals. And small businesses who might not be able to afford the latest security measures have found themselves especially targeted.

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Credit Card Processing, Security and PCI Compliance

TransArmor Security

Ben Dwyer
by Ben Dwyer

Note: TransArmor was originally developed and offered by First Data, who has since been acquired by Fiserv. TransArmor is still available under that name, but is now considered an offering from Fiserv. Owning a business is complicated and it can be difficult to completely protect yourself from data breaches. Whether you have store and distribution […]

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Also now called Clover Security, TransArmor is a suite of anti-fraud tools available from credit card processor Fiserv (formerly First Data.)

TransArmor Security logo

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Credit Card Processing, Security and PCI Compliance

Address Verification Service (AVS)

Ben Dwyer
by Ben Dwyer

When is AVS used? Reasons to Use AVS Chargeback Defense Declining Transactions Based on AVS Result What does it cost to use AVS? Is using AVS worth the cost? AVS codes When is AVS used? Address Verification is used in all kinds of credit card scenarios. It’s common in ecommerce and other card-not-present transactions, as […]

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Address Verification Service (often referred to as AVS and sometimes Address Validation) is an anti-fraud tool offered by credit card processing companies. The tool works by comparing name and address information given by the person claiming to own the credit card to the name and address on file with the credit card company.

AVS

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