Credit card authorization form template alert

Searching for a credit card authorization form template? Maybe PCI compliant form or Microsoft Word compatible template? Stop! If your web browser is not up to date, just landing on the web site that has the form might introduce malicious code into a company’s systems and network, leading to a future data breach.

Businesses should be replacing traditional credit card authorization forms with other payment methods where the customer self-pays:

  • Hosted pay page
  • Push out a payment request via text or email

Per Visa, merchants are never allowed to ask for the security code on paper.  Merchants also cannot store the form with full card numbers. They increase risk of fraud and identity theft and nobody likes them!

What are the benefits of customer initiated payments?

  • Reduced merchant fees for some cards (3-D Secure cardholder authentication such as Verified by Visa must be enabled.)
  • Increased approvals with cardholder authentication.
  • Mitigate chargeback risk – with 3-D Secure cardholder authentication, fraud liability shifts to issuer.
  • More convenient for buyers- 24/7 payments on their schedule, not yours
  • Buyers are in control of choosing to store payment methods

How do you choose the best solution? Here’s some of our product differentiators:

  • PCI Compliant credit card authorization form generated automatically, should you have a need to get a signature to terms for storing and using stored cards.
  • 3-D Secure cardholder authentication supported.
  • Choose any acquirer.
  • Automated interchange management, including level 3 processing for business to business (B2B) and business to government (B2G), to reduce fees and maximize profits.
  • If preauthorizations are needed, ongoing authorization management is critical and we do that automatically.

Call Christine Speedy, PCI Council QIR certified, for simple solutions to complex payment transaction problems, 954-942-0483, 9-5 ET. CenPOS authorized reseller based out of South Florida and NY. CenPOS is an integrated commerce technology platform driving innovative, omnichannel solutions tailored to meet a merchant’s market needs. Providing a single point of integration, the CenPOS platform combines payment, commerce and value-added functionality enabling merchants to transform their commerce experience, eliminate the need to manage complex integrations, reduce the burden of accepting payments and create deeper customer relationships.

Hotel Third Party Authorization Form Alert

The best hotel third party authorization forms are fully compliant with card brand rules to mitigate chargeback risk, especially for friendly fraud, where cardholder claims they did not authorize the transaction. Fraud liability can be shifted nearly one hundred percent with best practices, plus risk of data breach from employee and other access to card data can be mitigated. Avoid the paper and digital credit card authorization form problems perpetuated by misinformation from people and incorrect internet postings.

Paper credit card authorization forms are dead.

Per Visa Core rule 5.4.2.5, October 2017, a US merchant or its agent must not Request the Card Verification Value 2 data on any paper Order Form. Update, in October 2018, the rule is now in section 5.4.3.1, Merchant Use of Account Number, Cardholder Signature, Card Verification Value 2 (CVV2), or Stored Credential.  I could go on about all the PCI compliance and data breach risk problems related to credit card authorization forms, but because only 3-D secure cardholder authentication, which requires cardholder initiate payment, shifts friendly fraud liability for card not present transactions, there’s no valid reason not to change procedures. Get the cardholder data out of the hands of employees and networks. Secure document services where sensitive cardholder data can be viewed, or decrypted and viewed, for use in another solution are not PCI Compliant.

Web-based third party authorization forms are best for card absent compliance.

More than just PCI compliance, a myriad of rules changes since 2017, and continuing into 2019, impact every hotel. Everyone must change to comply and it’s not automatic. For example, you’re getting a sales deposit, and will definitely or will possibly charge more later. There’s a new set of transaction data standards which include estimate, incremental, and final authorization. While the technical piece is handled by payment gateways, not all have made the modifications required. Additionally, some elements are left to merchants to manage.

  • Comply with Visa 5.8.3.1 Authorization Amount Requirements.  The Merchant must use the Estimated/Initial Authorization Request indicator for the first transaction,
    then the Incremental Authorization Request indicator for interim if applicable, and Final Authorization Request indicator when closing out the transaction; the same Transaction Identifier must be included for all Authorization Requests. Don’t accept an authorization online and then swipe or dip the same card later unless your card present system can tie back to the initial authorization.
  • Stored cards. Are you storing cards for ongoing charges? Comply with Visa Rules Table 5-20: Requirements for Prepayments and Transactions Using Stored Credentials. There are too many variables to list here so I recommend downloading the rules and getting familiar. Two keys when capturing card data for the first time:
    • Obtain express consent per specifications for your refund and cancellation policies, how you’ll use the stored card, when your agreement expires and how the Cardholder will be notified of any changes to the agreement.
    • Perform a cardholder verification either via transaction or zero dollar authorization with the proper indicator.
    • This is a change! Two transactions occur when capturing cardholder data for the first time. Again, technical part can be handled by a payment gateway that supports it, but other elements are left to you.

Hotel third party authorization form solutions.

Contact me for solution that works standalone or integrated with SynXis. Shift friendly fraud liability and potentially qualify transactions for better rates with your existing merchant account. That’s because non-compliance with various rules can result in higher fees.

Here’s some key elements if the initial authorization is not the final authorization. Terminology:

  • PCI compliance- short for Payment Card Industry Data Security Standards. All businesses are mandated to comply with rules which are outlined on the PCI Security Standards Council web site.
  • 3-D secure (3D Secure) is a global XML-based protocol designed to be an additional security layer for online credit and debit card transactions. Each card brand has their own version. For example, Verified by Visa. Merchants register for 3-D Secure with their acquirer; always consult with the payment gateway first for instructions and to confirm they’re registered to offer service. 3-D Secure is invoked automatically by the payment gateway which then based on issuer response may or may not prompt for additional information to authenticate the cardholder.  Friendly fraud liability, “it wasn’t me, I didn’t authorize it”, shifts to the issuer. Because there are many parts to any transaction, including acquirer and issuer communications, plus continually changing rules, it’s possible that it will not be invoked.
  • Link to Visa and all card brand Rules.

Call Christine Speedy, PCI Council QIR certified, for global sales. 954-942-0483, 9-5 ET, CenPOS authorized reseller based out of South Florida and NY. CenPOS is an integrated commerce technology platform driving innovative, omnichannel solutions tailored to meet a merchant’s market needs. Providing a single point of integration, the CenPOS platform combines payment, commerce and value-added functionality enabling merchants to transform their commerce experience, eliminate the need to manage complex integrations, reduce the burden of accepting payments and create deeper customer relationships.

Christine Speedy on Ask the Expert Panel in Boca Raton

Christine Speedy will be on the BocaJS experts panel in Boca Raton, Florida. Christine’s background in ecommerce stems from when the internet first started. With skilled coding labor shortages, Christine learned html to help get stuff done for clients which included the Miami Dolphins, Blockbuster, the Florida Marlins and many others. While leaving serious work up to the coders and integrators today, her payment checkout insights are unparalleled for PCI Compliance and card network rules compliance. Get to know the industries best experts on everything from Development, Design, IT, DevOps, Recruiting, and Learning in Boca Raton, Florida.

Cendyn Spaces, in the Atrium

980 North Federal Highway · Boca Raton, FL

About The BocaJS group

The BocaJS group is here to represent the best that South Florida can bring to the world’s best Language (Javascript). And any else web related as well! In addition to vanilla java script, we’ll be looking at frameworks such as Node, AngularJS (1, 1.5 AND 2,4,5,6,…. 7 beta? ), Ember.js, jQuery, ReactJS and Ionic. Founded in September 2014 by Adam & Hector, and Run currently by Damian Montero and Jermbo Lawson this group continues to grow and thrive. Website: BocaJS.org (https://bocajs.org/)

About Christine Speedy

Christine Speedy is a Qualified Integrator and Reseller payments professional, certified by the Payment Card Industry Security Standards Council, and authorized CenPOS Reseller. Christine is a subject matter expert on PCI compliance and card network rules compliance, offering secure cloud payment technology to businesses, transforming the commerce and customer experience. South Florida Technology Alliance member.

Christine Speedy is PCI Council QIR Certified

Christine Speedy is Qualified Integrator and Reseller certified by the Payment Card Industry Security Standards Council. QIRs are integrators and resellers specially trained by PCI Security Standards Council to address critical security controls while installing merchant payment systems. QIRs reduce merchant risk and mitigate the most common causes of payment data breaches by focusing on critical security controls.pci qir certified logo

The council changed the QIR certification requirements after my certification in an effort to reduce barriers to certification, both financially and with the depth of training. While QIR certification always was for individuals, they were tied to companies. The tie to companies has been removed so as they change jobs the certification is not disrupted. Due to this change, the PCI council recently updated the web site search navigation. My company used to be the first listing when you clicked on the QIR link. Now, the only way to find me or any other QIR certified person is to do a search.

qir certified speedy

Before PCI QIR certification requirements change.

 

PCI QIR certified christine speedy

After PCI QIR certification requirements change.

While the Visa QIR mandate is for Level 4 merchants with card present transactions, I recommend that all merchants use QIR individuals for all transaction types. There’s a false sense of security that consultants and developers are guarding merchant security, but literally every day I find problems with companies of all sizes. Level 4 merchant is defined as less than 20,000 Visa or MasterCard e-commerce transactions annually, and all other merchants processing up to 1 million Visa or MasterCard transactions annually.

The Christine Speedy difference. PCI compliance is important to mitigate data breach risk, but equally important is compliance with complicated card network rules. Have you read any of the 1,000+ pages of Visa Rules? Or 300+ Mastercard transaction processing rules? Have any of the people you rely on? I’ve spent countless hours educating myself on them and learning about the nuances that impact your profit and risk. Technology directly impacts compliance. It doesn’t matter how big or how old a company is; the reality is most players in the payments industry fall behind with every new rule that comes out, even though these rules are usually announced years in advance so that they can prepare.

Resources:

Christine Speedy, QIR certified payments professional can be reached at 954-942-0483, 9-5 ET.

Data breach prevention: update every device due to Intel vulnerability

News of the Intel chip flaw creating vulnerability in virtually everything with a computer chip in it was announced last week. Microsoft, Google and tech companies now have a fix so it’s time to update all your devices. These emergency updates are to address the bugs called Meltdown and Spectre.

“These hardware bugs allow programs to steal data which is currently processed on the computer. While programs are typically not permitted to read data from other programs, a malicious program can exploit Meltdown and Spectre to get hold of secrets stored in the memory of other running programs. This might include your passwords stored in a password manager or browser, your personal photos, emails, instant messages and even business-critical documents.”

“Meltdown and Spectre work on personal computers, mobile devices, and in the cloud. Depending on the cloud provider’s infrastructure, it might be possible to steal data from other customers.”

For PCI compliance, merchants must update software within 30 days, however, I wouldn’t wait. Prioritize updates now.

For more information on the bugs, see https://krebsonsecurity.com/2018/01/scary-chip-flaws-raise-spectre-of-meltdown/

Christine Speedy, CenPOS authorized reseller, 954-942-0483. CenPOS is a merchant-centric, end-to-end payments engine that drives enterprise-class solutions for businesses, saving them time and money, while improving their customer engagement. CenPOS secure, cloud-based solution optimizes acceptance for all payment types across multiple channels without disrupting the merchant’s banking relationships.