{"id":3966,"date":"2016-03-01T08:21:06","date_gmt":"2016-03-01T13:21:06","guid":{"rendered":"http:\/\/3dmerchant.com\/blog\/?p=3966"},"modified":"2021-12-03T03:19:50","modified_gmt":"2021-12-03T08:19:50","slug":"omnichannel-payment-security-pci-compliance","status":"publish","type":"post","link":"https:\/\/3dmerchant.com\/blog\/cenpos\/omnichannel-payment-security-pci-compliance","title":{"rendered":"6 Ways To Increase Omnichannel Payment Security &#038; PCI Compliance"},"content":{"rendered":"<p>Chip card acceptance has propelled companies to rethink how EMV compliance impacts overall PCI Compliance strategies. According to the Verizon 2015 PCI COMPLIANCE REPORT, 80% of companies fail an interim Payment Card Industry Data Security Standards (PCI-DSS) audit. CenPOS deploys multiple cloud solutions to reduce data security risk, and comply with EMV, while meeting top business priorities like improving customer engagement and the customer experience.<\/p>\n<p><strong>Point-to-Point Encryption (P2PE)<\/strong> \u2013 Working with Verifone and Ingenico, CenPOS Enterprise Payments Suite encrypts card data at the point of card swipe or insertion to prevent clear text information from traversing the network thereby protecting data in transit.<\/p>\n<p><strong>Electronic Bill Presentment and Payment (EBPP)<\/strong> \u2013 Key entering cardholder data into a computer without the use on an encrypting keypad introduces vulnerabilities that can be exploited by key logging malware.\u00a0 EBPP allows you to push final invoices to consumer mobile devices via text and email so that they can complete the transaction\u2014eliminating your staff\u2019s need to enter data and reducing vulnerabilities.<\/p>\n<p><strong>Consumer Validation<\/strong> \u2013 As chip cards proliferate the United States, counterfeit card fraud rapidly migrates to online channels.\u00a0 CenPOS Consumer Validation <strong>shifts risk to the consumer\u2019s bank, reduces acceptance costs, and increases the approval rate<\/strong> for higher sales.<\/p>\n<p><strong>Chip Card Acceptance (EMV)<\/strong> \u2013 The deadline to avoid shifting liability associated with EMV acceptance was October 1, 2015.\u00a0 Chip card transactions processed using legacy magnetic stripes could result in a chargeback to the merchant with no possibility of reversal.\u00a0 CenPOS has certified the <strong>Verifone MX915<\/strong> to all processing platforms to protect businesses from the liability shift. CenPOS has been processing chip transactions on multi-lane terminals since January 2015.<\/p>\n<p><strong>Tokenization<\/strong> \u2013 Sensitive cardholder data is replaced by a surrogate number, called a token, that eliminates the risk of storing customer information on internal systems.\u00a0 Subsequent transactions and adjustments can be processed safely using the token to facilitate a transaction.\u00a0 This service is automatically deployed.\u00a0 Any attempt to store sensitive cardholder data evokes the tokenization system.<\/p>\n<p><strong>Encrypted Virtual Keypad (EVK)<\/strong> \u2013 In some instances, it is desirable to manually enter cardholder information into a system, but this increases data breach, including from key logger malware, on site, from call centers and remote employees.\u00a0 The CenPOS EVK uses advanced technology to secure data entry by clicking the numbers on an encrypted screen-based keypad, segregating sensitive cardholder data from local hardware and networks.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-medium wp-image-3971\" src=\"https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2016\/02\/evk-keyboard-212x300.png\" alt=\"encrypted virtual keyboard evk cenpos\" width=\"212\" height=\"300\" srcset=\"https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2016\/02\/evk-keyboard-212x300.png 212w, https:\/\/3dmerchant.com\/blog\/wp-content\/uploads\/2016\/02\/evk-keyboard.png 265w\" sizes=\"auto, (max-width: 212px) 100vw, 212px\" \/><\/p>\n<p>The combination of these solutions reduces the risk of data loss along with the financial and brand damage associated with security breaches. Additionally, merchants also benefit from increased efficiency, cash flow and EBITDA.<\/p>\n<p><em>Contact <a href=\"http:\/\/3dmerchant.com\/contact\/\">Christine Speedy <\/a>for P2PE, EBPP, EMV and Customer Validation options, including integrated solutions, <\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Chip card acceptance has propelled companies to rethink how EMV compliance impacts overall PCI Compliance strategies. According to the Verizon 2015 PCI COMPLIANCE REPORT, 80% of companies fail an interim Payment Card Industry Data Security Standards (PCI-DSS) audit. CenPOS deploys &hellip; <a href=\"https:\/\/3dmerchant.com\/blog\/cenpos\/omnichannel-payment-security-pci-compliance\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[125],"tags":[570,30,41,69,39,255],"class_list":["post-3966","post","type-post","status-publish","format-standard","hentry","category-cenpos","tag-chip-card-acceptance","tag-credit-card-processing","tag-data-security","tag-emv","tag-pci-compliance","tag-tokenization"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/posts\/3966","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/comments?post=3966"}],"version-history":[{"count":1,"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/posts\/3966\/revisions"}],"predecessor-version":[{"id":5277,"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/posts\/3966\/revisions\/5277"}],"wp:attachment":[{"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/media?parent=3966"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/categories?post=3966"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/3dmerchant.com\/blog\/wp-json\/wp\/v2\/tags?post=3966"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}