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How to Simplify Payments Processing and PCI Compliance

Every merchant faces business complexity and compliance requirements. From restaurants to dry cleaners, the challenges vary wide and far. However, the common requirement each shares is a need for secure, efficient and affordable ways to get paid. Processing payments is a necessity for every business, and with it comes compliance mandates.

The many decisions retailers face with running their day-to-day operations can be daunting, but getting paid and maintaining compliance doesn't have to be if merchants have access to accurate information and good partners. Compliance with the Payment Card Industry Data Security Standard (PCI DSS) is a mandated security measure to protect both the merchant and consumers cardholder data. PCI compliance is built on a basis of principles and requirements helping secure personal data and protecting merchant business environments. The primary areas of concern for merchants or service providers to become and remain PCI compliant are listed below.

Build and Maintain a Secure Network

1: Install and maintain firewall configurations protecting cardholder data
2: Don't use default system passwords and other security parameters provided by the vendor

Protect Cardholder Data

3: Protect stored cardholder data (or don't store it at all)
4: Encrypttransmission of cardholder data across open, public networks

Maintain a Vulnerability Management Program

5: Use, maintain, and update anti-virus software regularly
6: Maintain secure systems and applications

Implement Strong Access Control Measures

7: Restrict access to cardholder data to an as needed, business need-to-know basis
8: Assign unique IDs to each person with computer access
9: Restrict physical access to cardholder data

Regularly Monitor and Test Networks

10: Track and monitor access to network resources and cardholder data at all times
11: Test security systems and processes on a regular basis

Maintain an Information Security Policy

12: Establish and maintain policies addressing information security

A proven method of protecting cardholder data is by using payment processing services that use tokenization technology.

Tokenization is the process of replacing sensitive data with values that are not considered sensitive in the context of the environment consuming the token and the original sensitive data. Tokenization technology can be used with all types of sensitive data, including banking transactions, payment transactions, medical records or loan applications, to mention a few.

According to Visa, tokenization can best be described as a process in which PAN data is replaced with a surrogate value known as a "token."  The security of an individual token relies on properties of uniqueness and the infeasibility to determine the original PAN knowing only the surrogate value. As a reference or surrogate value for the original PAN, a token can be used freely by systems and applications within a merchant environment.

From card-not-present (CNP) ecommerce transactions to retail point-of-sale (POS) transactions, there are tools and service providers available to help merchants achieve PCI compliance. However, depending on your approach to compliance, PCI can be complex, time consuming and expensive. An alternative to handling all PCI compliance-related tasks in house is choosing a merchant services provider who can assist in payments processing, cardholder data security, and compliance certification. For example, Electronic Payment Exchange (EPX) and their tokenization-based EPX BuyerWall™ system act as a third-party processing platform placing a high priority on PCI compliance and end-to-end services for domestic and international payments at the point-of sale (POS) or online.

This approach puts a wall between cardholder data and the merchant by separating the card number from the sales information and processing the transaction independently of the merchant or other vendors. EPX is able to do this because it controls both the front and back-end of the transaction. With EPX BuyerWall, the merchant liability associated with the risk of processing, transmitting and storing sensitive cardholder data is significantly reduced because sensitive data doesn't enter the merchant's system and its never stored by the merchant.

According to Steven Kendus, Marketing Director for EPX, "realization of increased focus on PCI-compliance, EPX is revolutionizing the payments industry through our integrated payment platform and processing solutions that combine tokenization and encryption."

Customer's using tokenization-based solutions receive several layers of security protection so both the merchant and the cardholder data remain safe from data breach liability. "By incorporating our patent-pending BuyerWall tokenization and encryption technology into our payment solutions, we lead the way in helping merchants achieve PCI compliance," adds Kendus.

Payment service providers such as Electronic Payment Exchange that take security and compliance into consideration provide a crucial need for merchants and Independent Sales Organizations (ISO's). They enable merchants to efficiently process secure transactions, which nets greater customer service and retention for the merchant.

To find out more about how EPX tokenization-based payment processing solutions help merchants achieve PCI compliance, visit EPX online or in their Virtual Booth on PaymentsMarket.com

 

About the Author

Jeremy Drzal is Chief Engagement Officer for insideVirtual and Managing Editor for PaymentsMarket, the first and only virtual market for payment and fraud industry solutions.

PCI Memory Controller Driver Won't Update in Windows 7?

Hi, I have recently installed windows 7 32-bit build 7600, my storage controller (PCI Memory Controller) won't install the driver update?

Also I tried to update it online but would not install.

this is the messege after the update

Windows found driver software for you device but encountered an error while attempting to install it.

Intel(R) Turbo Memory Controller

The spesified program requires a newer version of Windows

Can Someone Please help me?

It sounds like you may need to get the driver directly from the Intel website. the Windows 7 Automatic Driver update does not work perfectly yet. More manufacturers need to get on the ball with Windows 7.

#147 - Highpoint RocketRAID 133 PCI Controller