Why does my web site need SSL security 2018

Every web site needs SSL in 2018 to avoid web site insecure messages that scare away visitors.

Disabling TLS 1.1 and lower is recommended for all businesses. While web site security with SSL is commonly considered only necessary if accepting payments or using secure online forms, that’s no longer the case. It can impact Google listings, overall SEO, and whether visitors see your web site.

SSL secured web sites for years. Even though tech people still call it SSL, the next phase of ecommerce security was TLS. TLS 1.1 and lower, including SSL 1.0, are not considered secure. For that reason, all businesses accepting payments online must have disabled TLS 1.1 and lower on their servers for mandatory Payment Card Industry Data Security Standards  (PCI) compliance by June 30, 2018. Additionally, buyers with outdated browsers may be blocked from making purchases if not supporting the latest security standards.

If your web site does not have an SSL certificate, visitors will get a browser message, which may vary by browser, telling them your web site is not secure and that any information submitted could be viewed by others.

connection not secure message

Web browser warnings like this will scare away visitors.

FREE Test SSL/TLS for Browser and Servers:

Server penetration testing falls under the Computer Fraud and Abuse Act (CFAA) (18 U.S.C. 1030). It’s a federal crime to “intentionally access a computer without authorization or exceed authorized access”. If it’s not your web site, and you don’t have explicit permission to access, don’t run a server test. If you do have the right to run it, be sure to check the box, HIDE RESULTS. If you get a YES next to TLS 1.0, SSL 3, or SSL 2 on the server test, then hardening is needed.¬†To modify your web site, it’s managed in host administration and disable in security settings. Free SSL and TLS test from Qualys. https://www.ssllabs.com/ssltest/index.html.

Godaddy gives a very good overview of options. https://www.godaddy.com/web-security/ssl-certificate#compare. I recommend getting the Extended Validation (EV) SSL for the value-added benefits.

Headquartered in Miami, Florida, CenPOS is reshaping the future of commerce through technology innovation and the secure, flexible and simple solutions this enables. Christine Speedy, CenPOS Global Sales, 954-942-0483 has extensive ecommerce experience dating back to the early internet days and can assist with any questions.

VoIP for credit card processing voids PCI Compliance

If you plug a PCI Compliant credit card processing terminal into a VoIP connection, then your processing is no longer compliant.

This explanation attempts to detail why. Traditional phone = analog. Traditional lines use hardware to send data ie the copper line. When using a 2008 compliant credit card terminal, the desktop terminal sends encrypted credit card data from the merchant to the processor and back using analog signals.

VoIP = digital. VoIP traffic flows across the Internet in unencrypted packets, which means anyone that has access to the network between sender and recipient can intercept them. So the desktop terminal may be compliant, but once the data is on the open network, the merchant set up is no longer PCI Compliant. Even though there are optional packages that can be attached to some VoIP networks, they do not meet current PCI compliance standards for the credit card processing industry.

If you attach a magnetic card swipe to your computer the transaction is processed using SSL security. It is not the same as VoIP. SSL uses a cryptogaphic system. It has two keys to encrypt data- a public key known to everyone, and a private key known only to the recipient. The magnetic card reader can be used with many POS systems and a high speed DSL, cable modem or T1 line.

Internet, ecommerce, and virtual terminal transactions all use SSL.

There are important considerations to check for both mag card readers and ecommerce transactions. Each requires a Gateway. The Gateway enables secure, real-time payment processing of credit card transactions. It is not the same as a credit card processor. Most people don’t realize that gateways and ecommerce stores must pass specific information through to the credit card processor to get better rates. Most systems focus on fraud protection, but do not necessarily pass through critical data required to meet specific interchange requirements. Sometimes the store doesn’t pass the data, and sometimes the gateway doesn’t pass the data- it all depends on company capabilities.

I’m not a tech expert but in general, the description above is sufficiently accurate to explain why. Bottom line: Visa & MasterCard officially state there is no acceptable VoIP solution that meets PCI Compliance requirements.