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Credit Card Payments and Security Updates


We had a lot of requests from clients to make Credit Card payments available. Today, we’ve introduced them in addition to the PayPal option that was available until now. 

All payments are made using the very fine Stripe system. No card information is being stored on our end for security reasons.

In addition, to make things even more secure, Positionly is now using an SSL connection across the whole site – you should see the address in the location bar starting with https://positionly.com.

Employee Error

It’s important to set up an encrypted network. Every user on your network has personal passwords that update regularly. You’ve created separate Wi-Fi networks for guests. You’ve even got an ultra-modern firewall. However, not all security risks originate outside your company. The most often ignored fact is that internal employee errors cause the vast majority of data breaches. According to research done by the Ponemon Institute, 54% of data breaches are the result of employee error. One example is the famous Equifax breach in 2017, which exposed the personal information of 146 million Americans were disclosed. The root of the problem? One person in the company’s IT department was not able to install a required software patch. Solution: Give your staff the training and knowledge they need to protect the company and customer information. Be sure to include cybersecurity in your company’s policies and your training program. It will cover everything from recognizing suspicious emails to protecting corporate laptops and mobiles. If you’re not sure how to begin, take a look at our guide to online threats Controls, Best Practices, and Detection.

Improperly Stored Credit Card Information

In the event that you store all of your credit card data, it could expose you to being an easy target for hackers or even being exploited by your employees. Even worse, if your business experiences a data breach because of improperly stored card information, you’re subject to remediation, fines, and–potentially–the inability to accept credit cards. If your business is able to schedule regular payments or has customers who want to keep their credit card information in the database, that data should be kept safe. But how do you do this? Solution: Keep information safe in accordance with PCI DSS. PCI DSS refers to Payment Card Industry Data Security Standards. Card associations developed these standards to create secure processing environments. Every merchant that processes credit card transactions, not even if it’s just one or two times per year, must adhere to the standards. The security requirements for storing complete card details are impossible for small businesses to meet. However there is an option to reap the benefits of keeping cards without the risks. In this case, the card data would be stored securely and encrypted with the help of a PCI-compatible third party. If an organization stores the cardholder’s details, they usually will not have access to the entire card number. This is because the data is secured to be held with a trusted third party. If an employee is looking at the cardholder’s files, they will only see the last four digits of that card’s number. This will protect against hackers. However, it also protects employees who may note down a card’s number after they are fired.

Credit Card Fraud

A report in 2017 from the US Payments Forum found that due to the improved security offered by EMV chips, criminals were beginning to shift their focus towards cards that are not in use (CNP) transactions. This is a difficult problem since it’s hard to determine the authenticity of transactions without having access to the actual card. The majority of fraudsters use bots to repeatedly attempt hundreds of card numbers until only one is successful. Then there’s the issue of chargeback fraud, also referred to as friendly fraud. This happens in the case when a purchase is completed, goods or services are supplied to the customer, and then the investment is challenged with the cardholder’s bank of issue. It is usually due to confusion on the cardholder’s part, but it could also be deliberate and even malicious. Solution: Be vigilant and believe in your gut. In the case of online fraud with credit cards, It is best to stay in the direction of caution. The processor you use should be equipped with a system to stop the massive entering of card numbers by bots (Those “enter the displayed characters” and “click each box with a vehicle in it” prompts that you see on websites? They’re there to help). Also, you can make use of Address Verification Service (AVS) to confirm your billing information is in line with what the issuer of your card has on file. In the event of a problem, you may always dial the customer’s number to confirm the details.

Outdated System Software

The Equifax breach of data was the result of outdated software for the system and was not an isolated event. A survey conducted in 2017 of 35,000 businesses revealed that nearly 25 percent of them had obsolete browsers. They had twice the chance to suffer data breaches. The solution is to Install updates when they are released. It’s a pain to log in to your computer every day to find that there’s a new update to download. Fortunately, technology makes the process a bit easier. Operating systems and web browsers will usually inform you when a new update becomes available. There are also programs to keep your system updated with updated versions. Remember that the primary reason why the updates are released is to tackle security risks and assist you in protecting yourself and your company.

Credit the fraudster’s card.

In order to trick victims into giving the details of their credit cards as well as UPI passwords, fraudsters gain unauthorized access to victims’ accounts. They mistakenly believe the payment process is taking place by the fraudsters. But, in fact, the money goes directly to the fraudulent card or statement at the bank. As previously mentioned, fake army fraud is carried out through the form of carefully planned steps, using the trust and naiveté of victims to provide confidential information and transfer money to fraudsters. When you know these steps, you’ll be more aware of and avoid scams like this.