PCIP3-0 PDF Dumps 2022

Killexams PCIP3-0 PDF dumps includes latest syllabus of Payment Card Industry Professional exam with up-to-date exam contents | Actual Questions

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Exam Code: PCIP3-0 Practice exam 2022 by Killexams.com team
PCIP3-0 Payment Card Industry Professional

The qualification exam is administered at a Pearson VUE Test Center. You will have 90 minutes to complete 75 multiple-choice questions. No electronic devices may be used during the closed-book exam.

All scheduling/rescheduling is done via Pearson VUEs online scheduling system – you select the test location, date and time most convenient for you.
You will receive an email containing Instructions and a voucher to schedule your exam within 2-3 business days of payment processing.
If you choose the Exam-only or instructor-led class option, the exam must be completed within a 30 day test window. If you choose the eLearning Course, the exam must be completed within a 90 days test window. Exam Results and Next Steps

Pass/Fail results are provided immediately following the conclusion of your exam.
Passing candidates will receive a Certificate of Qualification via email within 2-3 business days.
If a passing score is not achieved, a total of three (3) attempts are permitted (a retake fee will apply).

The Payment Card Industry Professional is an individual, entry-level qualification in payment security information and provides you with the tools to help your organization build a secure payment environment. Becoming a PCIP demonstrates a level of understanding that can provide a strong foundation for a career in the payments security industry. This renewable career qualification is not affected by changes in employment assignments and stays in effect as long as the individual continues to meet requirements. This three-year credential also provides a great foundation for other PCI qualifications.

- Support your organizations or clients ongoing security and compliance efforts through your knowledge of how to apply PCI Standards
- Gain recognition of your professional achievement with this renewable three-year industry credential
- Become part of a PCIP community where knowledge and best practices can be shared
- Launch your career in the payments industry with a competitive advantage
- Listing in a searchable directory on the PCI website
- Earn Continuing Professional Education (CPE) credits

This course outlines the PCI Standards and provides you with the tools to build a secure payments environment and help your organization achieve PCI compliance. Course highlights include:

- Principles of PCI DSS, PA-DSS, PCI PTS, and PCI P2PE Standards
- Understanding of PCI DSS requirements and intent
- Overview of basic payment industry terminology
- Understanding the transaction flow
- Implementing a risk-based prioritized approach
- Appropriate uses of compensating controls
- Working with third-parties and service providers
- How and when to use Self-Assessment Questionnaires (SAQs)
- Recognizing how new technologies affect the PCI (e.g. virtualization, tokenization, mobile, cloud)

Payment Card Industry Professional
PCI-Security Professional techniques
Killexams : PCI-Security Professional techniques - BingNews https://killexams.com/pass4sure/exam-detail/PCIP3-0 Search results Killexams : PCI-Security Professional techniques - BingNews https://killexams.com/pass4sure/exam-detail/PCIP3-0 https://killexams.com/exam_list/PCI-Security Killexams : A Guide to PCI Compliance for Small Business Owners

PCI compliance knowledge can help small business owners potentially avoid the detrimental consequences of data security issues. After all, you don’t have the expensive data security resources big corporations have. Plus, you most likely don’t have the necessary training to help you stop security breaches.

Due - Due

But even if you have some security training, there are some critical facts that you may not know. There have been many recent changes to compliance requirements. So, it’s more important than ever to stay up-to-date on how to protect your customers’ data.

Small business owners need to understand the requirements of PCI compliance because it affects how you handle and protect your customers’ credit card information. The more you know about PCI compliance, the better prepared you are.

What Is PCI Compliance?

Did you know that over 80% of U.S. firms have been hacked successfully? Because of this daunting statistic, businesses that handle credit cards must adhere to several requirements. The Payment Card Industry Data Security Standard (PCI DSS) is an industry standard that requires merchants to protect their customers’ credit card data.

PCI DSS aims to minimize the risk of data breaches involving credit card numbers. This has become possible by establishing rules for secure network design and software development practices, standards for access control management, vulnerability management, and penetration testing.

Requirements for PCI Compliance

The PCI DSS is a set of 12 requirements businesses must follow to keep their customers’ credit card data safe. Failure to comply with these standards could result in fines and penalties.

Here’s a quick rundown of how each requirement might affect your small business.

1. Install and maintain a firewall.

This requirement helps keep your business’s firewall up-to-date and secure so that no one can access your systems without permission. If you’re using a network firewall, you should configure it to deny all traffic except what you need to run day-to-day operations.

It’s also helpful to ensure that firewalls or other security measures are configured to protect any other devices that use the same network as your system.

2. Do not use shared servers or services for storing credit card data.

If you’re using shared hosting services or virtual private server (VPS) providers to host your website and e-commerce store, you can’t store credit card data on those servers unless they’re PCI-compliant.

Even if they’re compliant with other industry standards, like HIPAA or FISMA (the Health Insurance Portability and Accountability Act and the Federal Information Security Management Act), they may still be vulnerable to attacks that could expose your customer data.

A better option is to use dedicated hardware like a managed server built specifically for e-commerce sites. These servers are designed with security in mind, so there are fewer entry points for hackers to exploit.

3. Protect stored cardholder data.

Cardholder data is any information you can use to identify a cardholder directly or indirectly. This can include the cardholder’s name, address, account number, and expiration date. It also consists of the card-issuing bank’s name, address, telephone number, and website.

You must protect your cardholder data by storing it in a secure location. This means you must keep it on a computer not accessible via the internet and ensure that only authorized employees can access it.

You should also destroy copies of this information as soon as possible when a customer no longer needs it to complete their order or transaction with you.

4. Encrypt cardholder data on open, public networks.

To comply with PCI DSS requirements, encrypt all sensitive data transmissions across open public networks. This includes wireless networks or internet connections at coffee shops or other public places where customers might be using insecure networks that don’t use encryption technology to protect their information.

Hackers could lurk nearby, looking to easily steal personal information like passwords or credit card numbers without breaking into anything.

It means that even if someone could intercept the transmission of your customer’s credit card information while ordering on a website, they would not be able to read it. This is because they would need a key to decrypt the algorithm that only your company can understand (and some others).

5. Use and regularly update anti-virus software.

There are many different types of malware, so it’s essential to have good security software in place to protect your business. Ensure that you’re using anti-virus software that’s up to date and regularly updating itself.

Anti-virus software will help keep you safe from viruses and prevent them from spreading through your network.

6. Develop and maintain secure systems and applications.

In addition to using antivirus software on all your devices, a custom software development company helps you develop secure systems and applications so that hackers can’t gain access in the first place.

One way to do this is by using “firewalls.” These are essentially barriers between networks so that unauthorized users don’t have access to them (or vice versa).

Another way is through encryption, where you convert data into code that only authorized parties can read. If someone tries to decode customer data without permission, they’ll end up with gibberish text instead.

7. Assign an exclusive ID to each user with computer access.

The term “unique identifier” means a number, code, or other value that identifies each person in the organization. And, it is used to ensure that no two people have the same identifier. This applies to everyone in the organization that uses computers to process, store, or transmit cardholder data.

When you assign a unique ID to each person with computer access, you’re ensuring there’s a way to track them and their activities. It’s imperative to do so if you have multiple employees working in the same area. This also applies if they work with contractors and temporary workers.

If an employee or contractor is terminated or leaves the company, you must remove their access privileges immediately so they can’t cause any damage.

8. Restrict physical access to cardholder data.

You should ensure that only authorized employees are permitted to have access to your company’s cardholder data. You must also restrict their access so they cannot copy or remove it from your premises.

Implement background checks on all personnel with direct access to cardholder data following the applicable laws and regulations (e.g., the Gramm-Leach-Bliley Act). In addition, ensure that only authorized personnel have physical access to your facility when you close.

In addition, ensure that these employees have enough training to handle sensitive information appropriately. Monitor their activities, report any suspicious activities promptly, and terminate employment for any staff member who does not follow the policies and procedures.

9. Track and monitor all access to network resources and cardholder data.

The most important part of your security program is monitoring who is accessing your network resources, systems, and cardholder data. To track your network access and monitor them effectively, you need a system that will allow you to do so.

The best way to do this is by setting up log files on all systems that store cardholder data. This would include the point-of-sale (POS) system and any other systems that process or store credit card data.

The log files should contain details about every transaction made on each system; including the time of day and IP address where the transaction took place. This enables you to reconstruct these transactions if necessary.

You should also set up an alert mechanism so that when new users log in to any system that stores cardholder data, they receive an email notification with instructions on how to access their training on safely and securely handling this information.

10. Restrict cardholder data to businesses to only what they need to know.

As a small business owner, you should be aware that the CARD Act requires you to restrict cardholder data to businesses. The law prevents sensitive information from being shared with anyone who doesn’t need it to perform their job duties.

You must implement a written information security policy that defines cardholder data and how to access it in your company. You’ll also want to set up a process for screening potential employees and vendors before they’re allowed access to any cardholder data.

11. Regularly test security systems and processes.

Testing is an important step to help keep your data safe. It’s also one of the most straightforward requirements to implement. You don’t need a team of cybersecurity experts. But, you must ensure that your employees know how to use your security tools and do it correctly every time.

That means giving them regular training, ensuring they know how to access your system, and testing whether or not their passwords are strong enough. You should also ensure they understand what constitutes a breach and what they should do if they see something suspicious.

12. Maintain policies that address information security for all personnel.

You can’t compromise on two things when it comes to security: the technical measures that ensure your systems are physically safe from attack and the policies that ensure your employees understand what they’re doing and why.

Everyone in your company needs to know about information security policies, including how to protect sensitive data, handle security breaches, and what happens if they violate these policies. This includes employees who work directly with data. And, it includes people who manage your network or computers, make sales calls, or do anything else related to protecting customer information.

Who Needs to Become PCI Compliant?

Any business that processes, stores, or transmits credit card data must be PCI compliant. That includes all establishments that handle payments, even if they don’t take credit cards as payment.

If your company doesn’t accept credit cards directly, it might need to become PCI compliant. This would especially be the case if you sell products in person (or over the phone) and receive payments online through a third-party service like PayPal or Stripe.

PCI Compliance vs. HIPAA Compliance

A common misconception is that PCI and HIPAA compliance are the same, but they’re not. They’re two separate pieces of legislation that deal with different things and require different compliance steps.

When you think about it, the two are similar in their goals. Both aim to protect your customers’ and business’ data from unauthorized access. But there are some significant differences between PCI Compliance and HIPAA Compliance.

PCI Compliance is the Payment Card Industry Data Security Standard, a set of requirements for any company that accepts customers’ payment cards (credit cards and debit cards). Visa and MasterCard created it to ensure companies safely track customer card information (and other sensitive data). The standard also includes requirements for how companies should report security breaches or failures and how they should handle customer complaints about potential fraud.

On the other hand, Congress passed HIPAA in 1996. This protects patients’ privacy by requiring medical providers to safeguard their patients’ personal health information (PHI). Additionally, this includes but is not limited to names, Social Security numbers, addresses, dates of birth, phone numbers—everything that would identify a person as part of a specific healthcare plan or insurance policy.

What Are the Consequences of Not Being PCI Compliant?

If you don’t comply with PCI standards, your ability to accept credit cards could be revoked by the bank that provides them. It means customers would have trouble paying for goods or services using their cards at your place of business, resulting in lost revenue both in-person and online.

Moreover, you could face fines from banks, card companies, or even federal regulators who oversee compliance with these standards. You might also face lawsuits from customers who were victims of identity theft because you did not comply with these standards.

Stay Secure and PCI Compliant

Of course, PCI compliance is essential for any business dealing directly with customers’ payment information. There are a few levels of compliance, depending on how much data you process and how many customers you have.

These standards are not final; there are updates every few years that add to the security protocols. But if you don’t adopt them at all, you could be at risk of compromising your customer’s sensitive financial data.

The above steps leading to PCI compliance are clear, and you should take them seriously. And as evidenced by the high-profile data breaches in recent years, it’s a matter of when not if. You’ll have to make the changes to comply with PCI standards—so it’s better to get started sooner rather than later.

The post A Guide to PCI Compliance for Small Business Owners appeared first on Due.

Thu, 28 Jul 2022 02:12:00 -0500 Deanna Ritchie en text/html https://www.entrepreneur.com/article/432304?curator=biztoc.com
Killexams : Meeting Your Compliance Needs with Security Best Practices

As a security professional, you may be tasked with achieving SOC2 compliance for your organization, adopting a NIST framework, or complying with new security laws. These are just a few examples: you likely face many requirements!

Compliance with multiple policy, regulatory, and legal security frameworks and standards is challenging and time-consuming. Most tell you what’s required but don’t clearly explain how to do it or where to begin. So where should you start? With proven, prioritized security best practices that map to or are referenced by other frameworks and standards.

Best practices for security compliance

As a starting point, there are security best practices that can be used.  The CIS Critical Security Controls (CIS Controls) are a prioritized set of actions for protecting your organization and data from known cyber attack vectors. They’re developed through a unique community consensus process, and they tell you not only how to be more secure but also how to prioritize the actions you need to get there. This prioritization helps your organization work toward achieving effective cyber hygiene rather than working through a list and hoping to recognize some benefits along the way.

Another reason to start with the CIS Controls? They work. Findings of the CIS Community Defense Model (CDM) v2.0 show they’re effective at mitigating approximately 86% of (sub)techniques found in MITRE ATT&CK Framework, including 92% of ransomware ATT&CK (sub-)techniques.

For a more granular take on security configuration, the CIS Benchmarks provide consensus-based guidance for specific technologies. Implementing these configuration recommendations helps you meet some of the CIS Controls, as each Benchmark maps to the Controls.

Achieving compliance with CIS Controls

The CIS Controls map to the following frameworks: 

  • AICPA Trust Services Criteria (SOC2)
  • Cloud Security Alliance Cloud Control Matrix (CSA CCM) v4
  • Criminal Justice Information Services (CJIS) Security Policy
  • Cybersecurity Maturity Model Certification (CMMC) v1.0
  • Cyber Essentials v2.2
  • Federal Financial Institutions Examination Council (FFIEC-CAT)
  • Health Insurance Portability and Accountability Act of 1996 (HIPPA)
  • ISACA Control Objectives for Information Technologies (COBIT) 19
  • MITRE Enterprise ATT&CK v8.2
  • National Institute of Standards and Technology Cybersecurity Framework (NIST CSF)
  • NIST Special Publication 800-53 Rev.5 (Low and Moderate Baseline)
  • NIST Special Publication 800-171 Rev.2
  • Payment Card Industry (PCI) Data Security Standard v3.2.1

The mappings are available in a variety of formats to assist you on your security journey. These include Microsoft Excel format and the interactive CIS Controls Navigator, with the latter offering you the ability to view several mappings at the same time and export them to Excel. Want to track your implementation of the Controls and your compliance with those mapped frameworks? The CIS Controls Self Assessment Tool (CIS CSAT) can help with that.

In addition to mapping the CIS Controls to security frameworks that have been created with the help of our community, there are a number of entities that reference the Controls directly. For example, the National Governors Association, NIST, and legislation from the states of Ohio, California, Nevada, Idaho, and Connecticut all mention the Controls.

CIS Benchmarks

The CIS Benchmarks are recognized as industry standards for cyber protection around the world. Some references include the following: 

  • PCI recommends CIS standards for hardening.
  • The DoD Cloud Computing Security Requirements Guide mentions CIS Benchmarks as an acceptable alternative to the STIGs and SRGs (Section 5.5.1).
  • FedRAMP’s suggests the use of CIS Benchmarks if US government configuration guidelines aren’t available for a specific platform.
  • The CIS Benchmarks function as a complement to the HIPAA security rule, with overlap of the same provisions.

A configuration assessment tool helps determine if your systems are securely configured. CIS-CAT Pro allows you to assess for conformance to the CIS Benchmarks, both remotely and at scale. You can also use the Dashboard to track conformance (and thus compliance) over time.

An “on-ramp” to compliance: CIS SecureSuite membership

The CIS Controls and CIS Benchmarks provide an “on-ramp” toward compliance with a wide range of security frameworks. That’s because they’re a good starting point for securing your organization while moving you toward compliance. A CIS SecureSuite Membership offers the tools and resources to help you implement and track compliance and protection of your organization’s data and assets.

Click here to apply for CIS SecureSuite Membership

Copyright © 2022 IDG Communications, Inc.

Fri, 29 Jul 2022 05:27:00 -0500 en text/html https://www.csoonline.com/article/3668171/meeting-your-compliance-needs-with-security-best-practices.html
Killexams : 10 Ways to Improve Your eCommerce Store’s Security

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Mon, 25 Jul 2022 19:00:00 -0500 en-US text/html https://www.business2community.com/ecommerce/10-ways-improve-ecommerce-stores-security-01918371
Killexams : The New Cyber Strategy

Briton Smetzer, director of IT operations at Dallas-based Fuzzy’s Taco Shop, recently received a message no tech professional wants to see. It was an intrusion alert, meaning something strange could be happening inside the company’s network.

Smetzer knew that restaurants, including quick serves and fast casuals, are appealing targets for cyber criminals. Per Fuzzy’s plan for such a scenario, he immediately called Cradlepoint, the brand’s security partner specializing in network solutions. Shortly after, a Cradlepoint engineer told him the alert was a false positive. The only strange thing happening was a Windows update.

“Wendy’s has had two waves of attacks over the span of an entire year, and they’re just now catching up,” Smetzer says in reference to the burger giant’s security breaches. “I was able to get clarification on an intrusion in six hours. The Cradlepoint support is tremendous.”

When it comes to cyber security, “the best defense is an aggressive offense,” says Collin Hite, leader of the insurance recovery group at Hirschler Fleischer law firm in Virginia. Having partners and plans in place, like Smetzer did, can enable restaurants to learn the facts promptly in the event of a data breach. Fast knowledge and fast responses can mean big savings, as well as less PR damage.

“If you don’t properly handle a response in the first 72 hours, the cost of responding is at least three times higher,” Hite says.

Technological developments have improved restaurant operations in myriad ways, but they have also created new opportunities for cyber criminals. Ten years ago, hackers had to be highly skilled with computers and had to possess expensive, specialized equipment to pull off a data breach, Hite says. Today, practically anyone can buy credit-card information off the Internet. The increased data access points—such as online reservation apps, loyalty apps, and WiFi service—only make it easier for criminals looking to breach restaurants.

Restaurants are high-value targets that tend to be behind the curve on cyber security, Hite says, which makes them especially vulnerable. Restaurants deal with a large number of credit-card transactions daily; have high employee turnover, granting a great deal of people to have access to passwords and data; and have many access points.

While restaurants have been good about implementing new operational technologies that save money, many have ignored the need for cyber security. Independent restaurants often think they’re too small for a criminal to notice, but Hite says this is not the case. In addition to getting credit-card information, a thief can buy “ransomware” online for next to nothing, hack a small restaurant’s network and infect it, and then hold the restaurant network hostage until the operator provides a specified sum.

Large or national chains are harder for amateurs to hack but can have huge payoffs in data information for experts. And just because a restaurant chain has a strong security system doesn’t mean that all their third-party partners do. The Wendy’s breach happened when criminals were able to access one of its vendors’ networks.

A similar thing happened to Target in 2013. It served as a wakeup call for the retail industry. Hite hopes the Wendy’s breach will do the same for restaurants.

Different types and sizes of restaurants will need different cyber-security elements. Brad Lowry is a Jimmy John’s franchisee, the cofounder and head of the Jimmy John’s Franchisee Association, and CEO of Lowry & Associates, a franchisee-focused auditing service. Lowry thinks operators must first understand their Payment Card Industry Data Security Standard (pci dss) compliance requirements.

All businesses that take credit cards are required to be PCI compliant. Someone who owns 50 stores will have different requirements than someone who owns four.

Regardless of PCI compliance level, Hite recommends that restaurants follow the National Institute of Standards and Technology’s five-point Contingency Planning Guide, which has been endorsed by the National Restaurant Association. Taking the first three steps before a breach occurs is necessary to ensure a timely and correct response.

“First, identify what data assets you have and what the risks are of exposure of them,” Hite says. “Second, implement a plan of protection. You want to come up with policies and procedures. That’s the stage where you consider cyber insurance, as well as other legal risk management techniques. That’s where you deal with third-party vendors.”

Step three involves working with the selected security provider to develop processes that detect breaches. The fourth step, which only occurs in the event of a breach, is to implement the plan. At this point, it is critical to know whom to contact and have people assigned to make decisions in case a team member can’t be reached. Data breaches always come to light at busy times, like the Saturday of Labor Day weekend, Hite says.

In the case of a breach, Hite recommends operators talk to their cyber security lawyer first so attorney-client privilege is in place from the beginning of the response. Talking to a lawyer can also ensure that notification laws for separate states are met. For example, a breached restaurant in Virginia that served a customer from Ohio might have to follow Ohio’s notification laws for that customer.

These steps, which are essential to a strong offense, require significant research and may have different focuses. For example, when identifying their data assets (step one), a restaurant using a service like Seamless would need to be aware of Seamless’s policies. Often, Hite says, cloud-based services try to disclaim any responsibility for the data because, according to their contracts, it belongs to the restaurant. This awareness could be important in preventing or at least quickly responding to a breach like Wendy’s, which involved a third-party vendor.

Part of developing a strong response plan (step two) is consulting with third-party security providers and perhaps buying insurance. Fuzzy’s, which is growing rapidly, was frustrated with network outages and trying to maintain consistent security measures across hundreds of stores, Smetzer says. It turned to Cradlepoint and found an affordable system that, from one central management location, could provide it with 99.99 percent uptime (time during which the system is operational), a standardized firewall protector for all of its stores, and documentation of all PCI-compliance actions.

Fuzzy’s extends such data protection to its customers, too. “We protect the guests in many shapes and forms,” Smetzer says. “Not only do we protect the guests with the way the credit cards are passed through the network, [but] we protect from breaches from the WiFi, as well.”

In Lowry’s case, he took the matter of cyber security into his own hands. Jimmy John’s suffered a credit-card breach in 2014, and the company implemented a cyber security plan. But it was overkill for his own small group of Cincinnati franchises, Lowry says. It had more pieces of equipment than he needed, including EMV chip readers. “Chip readers protect the credit-card companies from fraud and … push more liability back onto the franchisees,” he says. “Right now, we all eat chargebacks because you can’t dispute them. You have to have overwhelming proof that the person bought that food, and that doesn’t happen.”

After much research, Lowry found NuArx, a managed payment and security provider. NuArx provided a firewall in its router and also offered network security, monitoring, and consistent connection.

“It works with every Jimmy John’s in the system because it works with every system you could have,” Lowry says. “We are able to protect our systems with no interference in the way we do business.”

Step two is also when restaurateurs should consider buying cyber insurance—or, as Hite and other industry experts call it, the “Wild West of insurance.”

Cyber insurance policies are among the most complex and have no uniformity, so Hite warns against blindly tacking cyber insurance onto a standard policy without having an attorney view it for gaps.

“I just reviewed a policy that had 57 separate definitions for things like computer network and computer systems,” Hite says. “That’s where the ‘gotcha’ comes in. Definitions can become exclusions because they define things in ways that take away coverage.”

Hite recalls a data breach at P.F. Chang’s, in which the restaurant had purchased insurance but found huge gaps upon trying to use it. P.F. Chang’s sued and appealed, but at press time, the courts have ruled in favor of the insurance company.

Insurance can still be important, because even with the best security providers and plans, human error can wreak havoc. Employee error or maliciousness is usually the No. 1 or 2 cause of a data breach, Hite says. Employees are often trying to be efficient, but writing passwords on Post-Its and logging in for a coworker who’s in a hurry can open the door for danger. Keeping a data cabinet with routers, modems, and other technologies locked is essential, Lowry says.

Because of human error, it is impossible to protect a company 100 percent from cyber threats. “Therefore,” Lowry says, “any franchise operator should surround themselves with those experts for when [or] if that bad day does happen.”

Tue, 11 Oct 2016 00:57:00 -0500 en text/html https://www.qsrmagazine.com/technology/new-cyber-strategy
Killexams : How to Accept Credit Cards
  • U.S. consumers increasingly prefer credit card payments over cash.
  • Optimize customers’ credit card payment experience takes in-depth research.
  • Card providers, equipment, costs and fees top the list of credit card payment system priorities.
  • This article is for merchants and small business owners looking for a more efficient consumer payment experience.

No matter what type of business you have, it’s important to accept credit card payments from your customers.

Consumers prefer credit cards over cash payments by a significant margin. According to a 2020 study by the Federal Reserve, 27% of U.S. consumers opted to use credit card payments, while 19% preferred paying cash. Every year, the Federal Reserve reports, the use of bank cards over cash expands.

As you adjust to a new digital-based payment marketplace, weaning you off cash payments and pushing payment models to the credit card side of the aisle makes good sense – if, that is, you are prepared for the shift to increased plastic payments.

Job one is choosing the right credit card payment service provider.

That choice can be problematic for your business, as there are hundreds of payment processing companies to choose from and several factors to consider before selecting a processor. You want to look for the best credit card processing company for your business, considering factors like low rates, few fees and month-to-month contracts.

How to start accepting credit cards 

If your business is new or not yet accepting credit card payments, you’re probably wondering how to accept plastic and how much it will cost. These steps will walk you through the process of setting up credit card processing for your business, and provide questions to contemplate. 

  1. Decide which type of processor will be the best fit for your business. Should you work with an aggregator, a merchant services provider or a direct processor? How do you know which type of credit card processing service you need?
  2. Identify how you plan to accept credit cards, and evaluate equipment options. Do you plan to accept credit cards online or at a brick-and-mortar store, or do you prefer a mobile credit card processing solution that uses a smartphone and a card reader? Do you want to accept payments multiple ways?
  3. Learn about credit card processing fees and pricing models. This helps you know what to look for, and whether you’re getting a good deal or paying more than you should.
  4. Call three or more credit card processing companies for pricing quotes. Many service providers customize their rates for each client, so you need to figure out a good deal for your unique business. You also need to know what information you should never deliver a sales rep until you’re ready to sign up with a processor.
  5. Read the contract before you choose a processor. Find out which terms are negotiable, where to find hidden fees and when you should look for a different option.
  6. Apply for a credit card processing account. Once you’ve decided which payment processor you want to work with, it’s time to apply for a merchant account.

TipTip: If you plan to use a point-of-sale system to accept credit cards, see our reviews and recommendations for the best POS systems.

1. Decide which type of processor will be the best fit for your business.

There are multiple ways to integrate a credit card payment service into your unique business. 

For example, you’ll need to choose between a card payment service that works with individuals or opt for a provider that serves only businesses. Additionally, you’ll need to factor in the average monthly volume of credit and debit card payments that you accept. 

To get the job done right, start by evaluating the following credit card payment processing solution models.

Personal use

If you’re an individual who wants to accept credit cards for personal use – for example, if you want to accept credit cards at a garage sale or for freelance work, or if your business isn’t yet official – Square is a good option. (Read our review of Square for more information.) 

Square is one of the few payment processors that works with you individually and works with your business. You will pay a small fee each time you accept a credit card payment, and there are no monthly or annual fees. Square gives you a card swiper, or you can buy an inexpensive chip card reader from the company.

If you desire the ability to accept credit card payments from friends, family, or other people you know and trust – such as the friends you split the bill with at dinner last night – you can use peer-to-peer payment services like PayPal (see our PayPal review for more information), Venmo, Apple Pay Cash, Google Pay or Zelle.

TipTip: You don’t want to use a P2P payment service to accept payments if you don’t know the individual. Beware that buyers can reverse transactions, such as in Venmo payment scams.

Small, monthly cash amounts

If your small business processes less than $2,500 per month or has small sales tickets, you want to work with a payment facilitator like Stripe (read our Stripe review for more information). 

Facilitators like Stripe are cheaper to use at this processing volume because you pay only a small fee – expressed as a percentage of each sale and, sometimes, a per-transaction fee – for each credit or debit card payment you accept. Even though payment facilitators charge a higher percentage than other types of payment processing rates, you save money because you don’t pay any other fees. 

There’s no setup fee, monthly fee (such as statement and payment gateway fees), or annual PCI compliance fee.

TipTip: Consider PayPal alternatives if you’re looking for low-volume credit card payment processors.

Merchant aggregators

Payment facilitators – also called mobile credit card processors or merchant aggregators –  sponsor multiple merchants under their master merchant accounts. This makes it easier to sign up for an account, and there are fewer fees to pay, but they can be more restrictive. 

Make sure to carefully read the user agreement to ensure the goods or services you provide aren’t prohibited. Additionally, be aware that processing irregularities – such as abnormally large transactions or a sudden spike in monthly volume – may cause your card processor to freeze your funds, which can restrict cash flow.

Key TakeawayKey takeaway: If you have small sales tickets, you can save money by choosing a credit card processing company that charges only a percentage of each sale. Some also charge a small per-transaction fee – usually 10 to 30 cents – but this adds up quickly if your sales tickets are small.

Larger monthly sums

If your small business processes more than $3,000 per month or has large sales tickets, consider a processor with lower rates like Payment Depot (read our review of Payment Depot). These payment processing companies can install a merchant account for you. 

Even though these processors may charge fees that the aggregators don’t, they offer lower rates, which saves you money when you’re processing larger sums of money every month. 

ISOs and MSPs

Independent sales organizations (ISOs) and merchant service providers (MSPs) that resell merchant accounts from direct processors offer credit card payment options for your small business, too. Because you’re still processing a lower payment volume than large businesses, you’re not likely to get better rates from direct processors. Even so, you’ll want to shop around to find low rates, few fees and a month-to-month contract.

TipTip: If you process a low volume of credit cards each month, look for a payment processor that doesn’t impose a monthly minimum – a minimum dollar amount of credit card processing fees you must generate each month.

If you process a high volume of sales each month, you could also consider working with a direct processor like First Data, Wells Fargo Merchant Services or Bank of America Merchant Services. These companies tend to be better suited for large businesses, but they will also work with your small company.

Direct processors provide merchant accounts, and have relationships with banks and credit card brands. Again, you’ll want to comparison shop for favorable rates, fees and contracts.

POS system 

If you are looking for a point-of-sale system (POS), check with the company to find out which credit card processors the POS system is compatible with, as that may limit your options. Some require you to use their in-house processing services, but the best credit card merchants allow you to work with third-party payment processors so you can shop around for low rates and fees. 

2. Identify how you plan to accept credit cards and evaluate equipment options.

You’ll want to accept credit card payments wherever and however customers want to pay. That’s the case no matter what type of credit card transaction you accept, including: in person at your business or another location, online, over the phone and through mobile apps.

Once you decide how to accept credit cards, address what kind of credit card processing equipment you’ll need. The best processing equipment will meet these standards.

EMV chip cards

All card readers can accept magnetic stripe cards, but you want a model that can accept EMV chip cards (Europay, Mastercard and Visa microchip card payments). EMV card technology protects you from liability for fraud occurring at the point of sale. EMV card readers also allow you to skip signature authentication, which can speed up the checkout process.

Ideally, the card reader will also have NFC technology, which allows you to accept mobile wallets like Google Pay and Apple Pay. This way, you won’t have to upgrade your equipment again as this payment method becomes more popular.

Nearly every credit card processor sells processing equipment, and in most cases, you’ll get at least your card reader from the company. If you already own a terminal, the processor may be able to reprogram it, though there is sometimes a fee for this service. If you want to buy peripherals from a third-party vendor, you’ll need to check with the processor for compatibility.

Upfront payment methods 

Plan to buy your credit card payment processing equipment upfront, as installment plan payment models can escalate in price. One merchant signed a lease for $99 per month with a 48-month term for a machine – in effect, paying $4,800 for a machine that costs $300 to purchase. The FTC cautions against leasing credit card processing equipment for the same high-cost reason.

Free offers 

Be wary of free credit card processing equipment, as you may be charged higher rates and additional fees – such as an insurance fee or some sort of equipment maintenance fee. Most payment providers also require you to return the equipment when you close your account.

With those tips in mind, let’s examine several solid credit card payment processing hardware and technology options.

Mobile credit card reader

This is a portable device you use with a smartphone or tablet and a credit card payment app. Some models plug into the headphone jack or lightning connector on your phone or tablet, but many newer models connect via Bluetooth. Many processors deliver customers a free credit card swiper, but you should upgrade to a model that accepts EMV chip cards and NFC contactless payments. These usually cost less than $100. 

Mobile card readers can be used as stand-alone devices or as part of a larger system. You could utilize these if your company accepts credit cards on the go. They’re also useful to process transactions from anywhere in the store during busy seasons, or if your company only runs a few transactions each day.

Credit card terminal 

This type of card reader often has a built-in receipt printer and keypad for PIN debit transactions. Countertop models connect via dial-up or Ethernet. Wireless models connect via Bluetooth, Wi-Fi, 3G or GPRS. All new models are EMV compliant so that you can accept chip cards, and most have NFC technology to accept mobile payments. Credit card terminals usually cost between $150 and $600.

Payment terminals are the most common type of processing equipment. They would be ideal for your business should your firm need a card reader to connect to or work alongside a POS system, or if you don’t need the credit card processing system to do anything but accept payments.

POS system

This is a complete checkout station that typically includes software, a tablet or touchscreen, a card reader, cash drawer and receipt printer. Some systems have built-in card readers, while others connect to or are used alongside a credit card terminal or mobile credit card reader. You can add barcode scanners and other peripherals.

Available for purchase from merchant account providers or POS companies, POS systems’ pricing depends on the type of system you choose. Tablet-based systems that work with third-party hardware are usually the least expensive. These systems are best for your company’s physical location, particularly if you want to connect to other business software. Review our best accounting solutions for software recommendations to consider.

Payment gateway

If you want to accept credit cards online – for example, if you sell goods or services through your website or an e-commerce platform – you need a payment gateway. Most credit card processors can set you up with this technology and help you connect it to your site. Some processors have proprietary payment gateways, and others set you up with a third-party gateway like Authorize.Net. 

There’s usually an additional monthly fee for this service, and some processors charge a gateway setup fee and another per-transaction fee.

Editor’s note: Looking for information on credit card processors? Use the questionnaire below and our vendor partners will contact you to provide you with the information you need.

3. Learn about credit card processing fees and pricing models.

Credit card processing fees can be confusing, and it’s beneficial to fully understand credit card payment fees. This will help you negotiate the best transaction rates for this type of service.

These are the three common types of credit card processing fees: transaction, service and incidental fees.

  • Transaction fees (or rates): These are the fees you pay for every transaction. They’re usually expressed as a percentage of the sale plus a flat fee for each exchange. For clarity, we refer to these fees as rates. Processors have different methods of calculating and charging these rates – also known as pricing models – which can make it tricky to figure out what you’ll actually pay and whether or not you’re getting a good deal. 

TipTip: Read our review of National Processing to learn about the credit card processor with the lowest transaction fees.

  • Service fees: These are monthly and annual account maintenance fees, such as statement fees and PCI compliance fees. They can also be standard fees, but the best credit card processors don’t charge service fees.
  • Incidental fees: These are fees that you’re charged on a per-occurrence basis; they’re triggered by certain actions on your account, such as chargebacks. These are also standard, but some credit card processing services may not include them.

The three most common pricing models are flat-rate, interchange-plus and tiered pricing. Here’s how each option works, along with information on which pricing model is best for your business type and size.

Flat-rate pricing

Flat-rate pricing is usually charged by payment facilitators like Square and PayPal. There are different rates based on how you accept your customers’ credit and debit cards. This is the simplest pricing model.

Here’s an example of flat-rate pricing using PayPal’s transaction fees:

  • Card present: For cards that you accept in person using a chip card reader or a magstripe card reader – either in-store or on mobile – you pay 2.7% of the transaction. This is the lowest rate because this payment method has the lowest risk of fraud.
  • Card keyed in: If your customer’s card doesn’t work and you have to key it in, or if you accept a payment over the phone and key in the card info, you pay 3.5% plus 15 cents for the transaction. This method is more expensive because you don’t use the physical card to process the transaction, so there’s an increased risk of fraud.
  • Card online: When you accept an online payment – through your website, a payment page linked to your website, or an electronic invoice – you pay 2.9% plus 30 cents. This method costs more than the card-present method because it’s a remote transaction. However, this method is cheaper than the keyed-in rate because it requires your customer to supply additional verification information – such as the CSV number and their address.

Interchange-plus pricing

Interchange-plus may be the best option for your business. Industry experts recommend interchange-plus pricing because it’s more transparent than the other pricing models: it reveals exactly how much of a markup you’re paying the service provider.

Interchange fees are set by the card associations – or card networks – that pay the banks involved in the transaction for moving money from your customer’s credit card account to your company’s bank account. There are hundreds of interchange rates, depending on the type of card and the brand. The card networks charge a small fee for each transaction. These rates are the same for every processor – regardless of whether they’re a payment facilitator, ISO or MSP, or direct processor – and they’re nonnegotiable. The only debatable part of a transaction rate is the processor’s markup.

With this model, the processor passes on to you the interchange rates and card association fees charged by the credit card networks – Visa, Mastercard, Discover and American Express – and adds a markup percentage and per-transaction fee.

When you receive a quote for this pricing model, it’s only the processor’s markup percentage and per-transaction fee that you’ll be charged. So, for each transaction, you’ll pay this amount on top of the interchange rate.

Here’s an example of interchange-plus pricing, using Helcim’s transaction fees. When you accept a credit card payment in person using an EMV chip card reader or a swiper, these are the rates you’ll pay:

  • Processor’s markup: 0.25% plus 8 cents. This is the rate you’re quoted when you ask for interchange-plus pricing. This is the only negotiable portion of this rate.
  • Interchange rate: 1.65% plus 10 cents. This is an example of what it might cost to process a retail transaction using a Visa Rewards credit card.
  • Card association fee: 0.15% plus 2 cents. This is the fee that Visa charges for credit card transactions.

Consequently, for this transaction example, the full rate would be 2.05% plus 20 cents.

Did you know?Did you know? The best processors offer interchange-plus pricing to all their customers and post their rates online. But most of the time, you have to specifically ask for it, and you may need to jump through hoops to qualify for it – such as processing a certain volume of sales each month or working with the company over an extended period.

Tiered pricing

Tiered pricing can be a good option if your customers typically pay in person using regular debit cards, though it can be expensive if they prefer to use premium rewards, corporate or international credit cards. Most processors prefer this pricing model, but industry experts advise against it, as it’s less transparent than others.

  • There’s no way to know exactly what the processor’s markup is, as each processor sets its own tiers and decides which interchange rates fall into each tier.
  • Most processors don’t post tiered rates in full online. Instead, they advertise teaser rates that apply only to regular debit cards accepted in person. Many sales reps don’t disclose how many tiers, the pricing for each tier, or what types of cards and transactions are included in each tier unless you specifically ask for this information – leaving you with a surprise when you get your first bill.
  • Transactions can be downgraded for various reasons, resulting in higher rates than those you were quoted. When you call for a quote, ask which actions can cause a transaction to be downgraded.

This list of credit card payment processors was made from Business News Daily’s best credit card processing providers:


TipTip: When you call for a quote, ask for interchange-plus rates. Otherwise, be sure to ask how many tiers there are, the rate for each tier, and which types of cards and acceptance methods are grouped into each tier. There are usually three tiers: qualified, midqualified and nonqualified. Some only have two, though, and there may be separate tiers for debit and credit cards.

​​In addition to processing rates, most full-service credit card processors charge an assortment of fees to maintain your account and provide customer support. Payment facilitators don’t typically charge these fees. Before you sign a processing contract, be sure to read it and make sure you’re aware of all the fees that the processor charges so you won’t be shocked when you get your first bill. Here are the most common service fees:

  • Monthly fee: Also called a statement fee, this covers the processor’s cost of preparing monthly statements and customer service. It usually costs $5 to $15. It may be higher if it includes a gateway fee and a PCI compliance fee. If you choose to receive paper statements by mail, there may be an additional cost.
  • PCI compliance: This fee is usually charged annually and costs around $100, though some processors either include it with the monthly fee or charge it quarterly. For this cost, service providers help you certify that your business complies with PCI guidelines. If you fail to establish your compliance, you’re charged an expensive PCI noncompliance fee each month until you are certified. Some processors offer to waive this fee for the first year when you sign up for an account. Payment facilitators are PCI compliant, so their clients don’t have to certify and pay this fee.
  • Gateway fee: If you accept payments online, you need access to a payment gateway. Usually, this fee is charged monthly and costs about as much as the monthly fee, but some processors also tack on a small per-transaction fee.
  • Monthly minimum: If you process a low volume of transactions each month, you want to look for a provider that doesn’t charge this fee, as it’s normally calculated against the processing fees you generate – not the full dollar value of each transaction. Usually this minimum is $25, though some processors set it higher. Be sure to ask the dollar amount that you need to process each month to satisfy this requirement. 
  • Incidental fees: Some fees are only charged when certain actions have taken place. For instance, if a customer initiates a chargeback, you will need to pay a chargeback fee. If you use the processor’s address verification service (AVS) or call its voice authorization center as fraud-prevention checks before you process a transaction, you pay a small fee. Again, be sure to read the contract in full before signing up with a processing company, so you know precisely what fees to expect.

4. Call three or more credit card processing companies for pricing quotes.

The best credit card processor for your business is the one that offers you the best value – with low and transparent rates, no hidden fees, and either a month-to-month contract or pay-as-you-go service. Though many of the best credit card service providers post their pricing online, some don’t, preferring to customize their rates for each client. You should plan on calling at least three processors, and requesting price quotes and a contract to review, so that you can compare rates and fees for your specific business.

Even if all top credit card processors on your list post their pricing online, it’s a good idea to call and speak with a sales rep because there may be a promotion available, or you may be able to negotiate a better deal. It also gives you a taste of the company’s customer service quality, which can be an important consideration as you’re choosing a service provider.

5. Read the contract before you choose a processor.

No one wants to read the contract before signing up for a service, but with this industry it’s necessary. If you sign up with a full-service processor, you risk being locked into its services for several years, paying more than you expected. If you sign up with a payment facilitator, you may find out too late that it has certain processing limits or doesn’t support businesses in your industry, resulting in frozen funds or a closed account.

The best credit card processing companies provide their services on a month-to-month or pay-as-you-go basis, and don’t charge any early termination fees.

Standard contracts

Used by ISOs, MSPs, and direct processors, standard contracts typically have three parts: the application, the terms of service and the program guide. Some applications have links to the terms and guide, but most often, you’ll need to ask the sales rep to send these documents to you separately.

  • Application: Usually, this form includes credit card processing rates and some fees. It asks for your bank information, Social Security number and signature. Don’t provide personal information until you’re ready to sign up for an account, have read the contract in full, and have Checked that the rates and terms are correct. Most contracts include a personal certain that allows the processor to collect money from you directly if your business can’t pay its processing bills, and allows it to perform credit checks on you.
  • Terms and conditions: This document describes the length of the term and additional fees that your company may incur. Most have three-year terms, and automatically renew for one or two additional years if you don’t cancel in writing within a 30- to 90-day window. One clause to watch out for is “Additional Services.” Note that it doesn’t explain exactly what these additional services are or what they cost, but does mention that you have a short window – usually 30 days – to opt out if you don’t want these mystery services and fees.
  • Program guide: This is where you’ll find cancellation instructions and the fees that apply if you decide to close your account. Sometimes processors don’t provide the program guide up front, and if you don’t ask for it, it will be tucked in with the processing hardware you order. If you sign a standard contract and then need to cancel your account before the end of the term, you will be charged a steep early termination fee for hundreds of dollars. Some long-term contracts also have liquidated damages clauses that can cost you even more money. Sneaky processors may claim not to charge early cancellation fees, but instead charge early termination fees (ETFs), early deconversion fees (EDFs), exit fees or lost profit fees.

Key TakeawayKey takeaway: If the processor you are considering has a lengthy contract, ask your sales rep if month-to-month terms are available. Also, request to waive the early termination fee and any liquidated damages.

User agreements

Most payment facilitators have user agreements instead of contracts. These are much shorter, but still important to thoroughly read. You want to check the list of prohibited goods and services to ensure the processor will work with your business. You also want to read the processing contract terms to find out if there are any processing limits, to make sure they won’t affect your business. One factor to keep in mind is that aggregators are very risk-averse and will freeze your funds if there’s anything about your transactions that looks suspicious, such as a sudden spike in volume or transaction size.

6. Apply for a credit card processing account.

This is the easy part! Once you’ve decided which payment processor you want to work with, and have read the contract to verify that the rates and fees match what you were quoted, it’s time to apply for an account.

When you sign up for a merchant account with an ISO, MSP or direct processor, you fill out the application portion of the contract. This is often online, but many sales reps are happy to walk you through the application over the phone. You provide details about both your business and yourself, including your employer ID, Social Security number and bank account information.

The processor then reviews your application and sets up your account. This usually takes up to two days; some processors can get it done the same day you apply, while others take up to a week. Your sales rep can help you decide what processing equipment you need and any extra features – like gift cards and loyalty programs – are needed. Once your equipment arrives, the processor will help you set it up and test it to make sure it works properly, and ensure you know how to use it.

If you sign up with a payment facilitator instead, the process is very easy. You fill out an online form to create your account by entering some brief information about yourself and your business. Then, you can order processing equipment and obtain the app onto your phone or tablet.

Frequently asked questions about credit card processing

What is credit card processing?

Credit card processing is a series of actions that securely move money from a customer’s credit card account to your company’s bank account. It takes multiple parties to do this – credit card companies, banks and processors – and each of them takes a portion of the transaction fees you pay the processor in exchange for their services.

How does credit card processing help my business?

Credit card processing helps your business by offering your customers more payment options. With it, you can accept all major credit cards and debit cards. With a new credit card reader, your business can accept payments using contactless cards and mobile wallets, such as Apple Pay and Google Pay.

What are the benefits of credit card processing? Can’t I just accept cash?

You could just accept cash – and some businesses do – but you risk losing business from customers who prefer to pay with credit and debit cards. According to the Federal Reserve’s 2018 report on the Diary of Consumer Payment Choice, 30% of all transactions are paid in cash, 27% using debit cards and 21% credit cards. Of course, these numbers shift depending on the dollar amount of the transaction, the type of business you have and your customers’ age.

What is a merchant account? Do I need one?

ISO, MSPs and direct processors can set you up with a merchant account and a merchant ID (MID). They then act as the liaison between your business and your customer’s credit card company or bank. They process payments and make sure the money is appropriately withdrawn from a credit card account. Once the money clears all of the processing protocols, it can be transferred to your company’s bank account.

Payment facilitators set you up as a submerchant under their merchant account. The pros of this arrangement are that it’s very easy to set up your account, the company takes care of PCI compliance, and there are usually no monthly or annual fees. The cons are that there are more restrictions on your account, the processor won’t work with certain business types and there are limits on how much you can process. If you process more than $100,000 a year, you’ll be required to get your own merchant account.

How does credit card processing work?

When your customer inserts a card into the credit card reader, the data on the card and a request for payment is securely transmitted between the processor, the credit card network and the bank that issued the card. The bank that issued the card authorizes or denies the payment request, and the information is transmitted back through the credit card network, the processor and the merchant bank. At the end of the day, the merchant batches its transactions and the data again travels through these channels to debit the customer’s credit card for the amount of the transaction, and deposits the funds into your business bank account.

What are the best ways to use credit card processing?

The best way to use credit card processing is to accept payments across every channel your customers want to use – whether that’s in person at your physical business location, using a mobile device if you’re working offsite, or taking payments online through your website or electronic invoices. Depending on how your business works with customers, you may need to utilize multiple acceptance methods.

What kind of cost should you expect for credit card processing?

No matter which type of processor you work with, you’ll pay transaction fees for every card payment you accept. If you work with a full-service processor, you’ll also pay a variety of other fees.

What is the average fee for credit card processing? What kinds of fees come with credit card processing?

For each transaction, you’ll pay a percentage of the sale (usually 2% to 4%) and often a per-transaction fee (usually 10 to 30 cents). If you work with a payment facilitator, there usually aren’t any other fees. But if you want your own merchant account, you’ll have account service fees – such as a monthly fee, gateway fee and an annual PCI compliance fee.

How much are credit card fees for merchants? For customers?

It depends on several factors, such as the types of cards your customers use and how you accept them, the processor you work with, and the model it uses to calculate your fees.

Most processors prefer to use the tiered pricing model to calculate your processing costs, but industry experts recommend the interchange-plus pricing model, as it’s more transparent. You’ll want to ask which pricing model the company uses when you call for a quote.

Customers don’t usually pay credit card fees directly. Most of the time, you can include this expense in the prices you charge customers. Although it’s legal in most states to add a surcharge when customers pay by credit card, or to set a minimum purchase requirement, it annoys customers.

What kind of equipment do you need for credit card processing?

The type of equipment you need depends on how you plan to accept cards. If you have a countertop checkout station in your brick-and-mortar location, you’ll need a credit card terminal. If you plan on using a POS system, check with that provider before choosing a processor to make sure you choose one that’s compatible. If you want a mobile credit card processing solution, you’ll need a credit card reader that either plugs into your phone or tablet, or connects via Bluetooth.

Brian O’Connell contributed to the reporting and writing in this article.

Tue, 28 Jun 2022 12:00:00 -0500 en text/html https://www.businessnewsdaily.com/4394-accepting-credit-cards.html
Killexams : How Shadow IT Can Keep Compliance Efforts In The Dark

Gavin Garbutt, chairman and co-founder of Augmentt. Former CEO and co-founder of N-able.

As the critical need for documented IT compliance with industry regulations and standards continues to grow, even the most meticulous of businesses can’t secure, monitor or configure what they can’t see.

For good reason, compliance regulations require that businesses have guardrails in place to protect and ensure the availability of business-critical and sensitive data. To do that, organizations need detailed knowledge of all the applications that interface with and offer access to that data.

That’s challenging enough on its own, but today’s proliferation of remote work, cloud apps and software as a service (SaaS) has given rise to risky shadow IT—the unseen and unauthorized hardware and applications that employees and departments often deploy independently, opening additional doors for cybercriminals and creating a new level of challenge when it comes to compliance.

Shadow IT creates the possibility that organizations may run afoul of regulations such as PCI-DSS, GDPR, HIPAA, SOX and others, exposing them to severe penalties and fines. It can also lead to an increase in the likelihood of data breaches when IT and security operations lose control over the software and applications used in an environment.

According to the annual IBM report on the topic, the average cost of a data breach rose from $3.86 million in 2020 to $4.24 million in 2021.

The Shadowy Specter Of Non-Compliance

Until recently, regulatory compliance was largely a concern only for businesses in highly regulated industries. That all changed with today’s explosion of data and the irresistible efficiency of cloud apps, giving rise to entities such as European Union’s General Data Protection Regulation (GDPR) and California’s Consumer Privacy Act, to name just a few. These days, remaining compliant is a priority for almost every kind of business.

How can shadow IT cast a dark cloud over compliance? Here are some scenarios.

• Regulations such as software asset management (SAM) help businesses manage the procurement of software licenses, but shadow IT can endanger proper documentation and approval. The discovery of unapproved software can force regulatory bodies to audit a company’s infrastructure, possibly leading to hefty fines or even jail time.

• Organizations adopt ISO/IEC 20000 to demonstrate quality and security to customers and service providers—an assurance that can go to waste if system documentation doesn’t match up with reality.

• When shadow IT crops up, businesses cannot apply the risk-assessment measures they use for authorized applications, can’t audit unauthorized services to understand risks or document compliance and can’t identify the full scope of impact if a data breach occurs.

• More generally, shadow IT often introduces new audit points, expanding the requirements for proof of compliance. For example, if healthcare institutions share patient data in unauthorized cloud applications, they may be compelled to audit, identify and disclose the breadth and impact of each event.

• Non-compliant applications and policies also pose challenges with regard to increasingly expensive cyber insurance, where carriers are becoming ever more particular about how accurately organizations document their adherence to security regulations.

Why is shedding the necessary light on shadow IT such a challenge in today’s IT paradigm? Let’s look, for instance, at challenges that may occur in a nearly ubiquitous platform like Microsoft 365 (M365). According to Statista, more than one million companies worldwide subscribe to M365, relying on the hugely popular SaaS for its accessibility and scalability.

The majority of the time, bad actors choose to exploit vulnerabilities in Outlook email configurations, but platforms like M365 have other susceptible areas to think about as well, including insufficient or incorrectly configured multi-factor authentication (MFA) settings, malicious application registrations and insecure synchronization in hybrid environments.

On the whole, M365 typically requires an added layer of protection for most organizations, one that’s configured by IT security professionals. Without added measures, for example, M365, by default, allows any user to share files freely and to leave meetings open to anyone.

While Microsoft does provide a tool for visibility of the OAuth permissions granted to end-users for adding applications, generally speaking, Microsoft and Google platforms lack the refined suite of tools to help businesses make automated security and compliance decisions.

A Comprehensive Audit For Ongoing Insight

When bringing a halt to SaaS adoption is not feasible and a certain amount of shadow IT will always be there to jeopardize compliance, what can be done to minimize the shadow IT risks? It is important for today’s organizations to have tools that can first comprehensively audit all SaaS applications in use (authorized and non-authorized) and then monitor and assess SaaS usage on an ongoing basis.

The initial discovery of SaaS usage should reveal a shadow IT baseline, produce short-term actionable data and provide insight into the shadow IT challenges ahead.

From there, effective ongoing monitoring should deepen knowledge of shadow IT trends within the organization, provide an understanding of the impact of new security policies or application blocking and even pinpoint the most problematic users and applications.

Rather than continue working virtually in the dark, businesses need to develop policies on SaaS software in an enlightened way. This should begin with, for instance, reviewing and evaluating any potential SaaS provider to fully understand how the service is used and which security model is used to deliver it. In cases where the providers do not offer an adequate level of security, bolstering applications with a cloud access security broker (CASB) solution can help address that.

Similarly, when it comes to the increasingly elemental need for enhanced user authentication, businesses should be mindful of how cloud providers often handle authentication in different ways. Some vendors, for instance, support MFA, while others do not. Insisting that MFA be supported across all SaaS apps is a highly recommended security policy going forward.

These kinds of tools and strategies can help provide full visibility on possible knowledge gaps about which SaaS applications should be approved, which might be restricted, and which users are potentially taking their employers out of compliance.

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Tue, 19 Jul 2022 10:17:00 -0500 Gavin Garbutt en text/html https://www.forbes.com/sites/forbestechcouncil/2022/07/19/how-shadow-it-can-keep-compliance-efforts-in-the-dark/
Killexams : IEEE Merchant Lending Program & Credit Card Processing

For events with existing or planned e-commerce processing software, IEEE offers the use of its established merchant account, allowing the event to accept payments by debit or credit cards with the highest levels of security to minimize any risks or liabilities to your conference and your attendees.

Fri, 04 Feb 2022 18:44:00 -0600 en text/html https://www.ieee.org/conferences/organizers/merchant-lending.html
Killexams : Data-Centric Security Market Worth $12.3 Billion By 2027 Exclusive Report By Marketsandmarkets™ No result found, try new keyword!The latest techniques, strategies, and skills adopted by the professionals are said to be helping organizations in adopting data centric security features ... (FERC), HIPAA, PCI DSS, and SOX ... Tue, 02 Aug 2022 04:07:00 -0500 en text/html https://www.ieee.org/conferences/organizers/merchant-lending.html Killexams : What Is PCI Compliance? A Guide for Small-Business Owners

What does PCI compliance mean?

PCI compliance, which stands for payment card industry compliance, refers to a set of 12 security standards that businesses use to keep customer card data secure. Even if a merchant only processes one card transaction per year, it must be PCI compliant.

For small businesses, PCI compliance involves meeting requirements such as:

  • Protecting stored cardholder data through encryption and maintaining a firewall configuration.

  • Regularly updating antivirus software.

  • Assigning unique IDs to each person with computer access.

The cost and effort required to achieve compliance depend on a few factors, most notably your payment volume and the payment processor you use. In general, the more transactions you process per year, the more that’s required of you. The first jump in responsibilities takes place for businesses that do 20,000 or more online transactions per year or more than 1 million total transactions per year.

Is PCI compliance required by law?

Merchant compliance is not determined or enforced by the government, by the PCI Security Standards Council or by payment networks. Instead, the steps a business must take to be PCI compliant are in the terms of the contract or agreement with its merchant service provider or payment service provider. While the broad intent of these requirements is the same from one provider to the next, details about implementation can vary. Not following the proper procedures can lead to serious problems, including fees in the thousands of dollars.

Basics of PCI compliance

PCI compliance can be frustrating for business owners because it means taking on a subject — cybersecurity — they might have little expertise or interest in. However, current payment networks are built on chains of trust.

"The result is that someone needs to take responsibility," says Gary Glover, vice president of assessments at SecurityMetrics, a cybersecurity company specializing in PCI compliance matters. "Ultimately, it falls on the person who takes the card. Over the years, it will be easier. In five to 10 years, hopefully, merchants will be out of scope because the system is more secure."

But until then, merchants need to understand the following:

  • PCI compliance isn’t a one-time exercise; it’s a task that must be completed each year.

  • Compliance requirements vary by business size and by the number of card transactions each year.

  • Compliance rules divide businesses into four groups. Most small businesses are considered Level 4 merchants — those that process fewer than 20,000 online card transactions or up to 1 million total transactions per year. Larger businesses generally have more burdensome requirements.

  • The type of payments service a business uses can also affect the amount of work required to be compliant each year.

  • Merchant account providers provide businesses with the special type of bank account needed to accept card payments. If you have this type of account, PCI compliance-related requirements are usually written into the terms and conditions of your agreement.

  • Payment service providers, such as Square or Stripe, replace the need for a business to have its own merchant account. As a result, PSPs often take on some compliance responsibilities. Businesses that accept payments with a PSP must still be PCI compliant, but it’s generally easier compared with businesses with merchant accounts.

The 12 PCI compliance requirements

Here are the 12 PCI compliance requirements from the PCI Security Standards Council.

  1. Install and maintain a firewall. That incudes testing network connections, restricting connections to untrusted networks and other efforts.

  2. Change vendor-supplied default passwords and security settings. This includes enabling only necessary services, removing functionality where warranted, encrypting access and other efforts.

  3. Protect stored cardholder data. That includes having policies for disposing of data, limiting what is stored, avoiding storing certain types of data and other efforts.

  4. Encrypt cardholder data when transmitting it across open, public networks. Among other things, don't send unprotected account numbers via email, instant messaging, text, chat or other end-user messaging technology.

  5. Use and regularly update antivirus software. That means performing and documenting periodic scans, as well as ensuring the software is running and other activities.

  6. Develop security systems and processes. This means creating processes to find and take action on vulnerabilities, as well as other efforts.

  7. Restrict access to cardholder data to a need-to-know basis. That requires defining the access certain roles need, as well as creating user privileges and control systems, among other things.

  8. Assign user IDs to everybody with computer access. Businesses should also ensure there's a way to authenticate users, document their policies in this area and take other actions.

  9. Restrict physical access to cardholder data. This means using cameras or other tools to monitor who is in sensitive areas of the business or handling certain equipment, for example.

  10. Track and monitor who accesses networks and cardholder data. That means having an audit trail, using time-stamped tracking tools, reviewing logs for suspicious activity and other activities.

  11. Regularly test systems and processes. Test and inventory wireless access points, do quarterly vulnerability scans and monitor traffic, among other things.

  12. Have a policy on information security. That means writing, publishing and disseminating a policy at least once a year that lays out usage rules for certain technologies and explains everyone's responsibilities, among other things.

How to become PCI compliant

PCI compliance applies to any business that accepts card payments, including seasonal or small businesses.

To become PCI compliant, a business typically must do two things:

  1. Complete an assessment that shows how secure a business's systems and practices are. Most small businesses can perform a self-assessment.

  2. Perform a scan of the network used to process payments. This technical exercise requires the help of an outside firm.

Determining whether your business is PCI compliant requires a thorough assessment of security practices every year.

Although the requirement is universal, there's no one-size-fits-all assessment. Instead, the type of annual assessment depends on a few factors, including the volume of card transactions. A business falls into one of four levels:

  • Level 1 merchants process more than 6 million card transactions per year or have had a hack or attack that led to data loss.

  • Level 2 merchants process more than 1 million card transactions per year up to 6 million.

  • Level 3 merchants process 20,000 or more online card transactions per year up to 1 million.

  • Level 4 merchants process fewer than 20,000 online card transactions or up to 1 million total transactions.

Most small businesses fall under Level 4 and are required to perform a self-assessment. Larger businesses must hire third-party auditors. There are multiple self-assessment questionnaires: the one you take depends on your particular payment setup. For example, Questionnaire A-EP is for businesses that outsource all payment processing to certified third parties, like Stripe.

Groups involved in PCI compliance

There are four layers of groups involved in PCI compliance, beginning with the confederation of card networks that created it down to the individual businesses that accept customer payments.

Card networks

Each card network, like Visa and Mastercard, creates its own set of specific requirements, guided by the security standards set by the PCI Security Standards Council.

The PCI Security Standards Council

American Express, Discover, JCB International, Mastercard and Visa founded this organization in 2006. It creates broad security standards, certifies vendors, and tests and certifies payment technology.

Merchant account providers

Businesses partner with merchant account providers to gain the ability to accept card payments. Merchant account providers must follow the rules set by each card provider. They also function as de facto administrators of PCI compliance for businesses, as they include specific PCI compliance-related requirements in the terms of each contract or agreement with each business they work with.

Business owners

Every business must meet the requirements set forth by its merchant account provider. Meeting the requirements means your business is in compliance. If you aren’t in compliance, you could face hefty fees or even lose your merchant account.

The cost of PCI compliance

Some payment processors charge PCI compliance fees. In return, you might receive compliance-related services, like access to consultants who help you complete requirements.

  • PaySimple, for example, charges a $5.95 monthly fee for access to a “PCI tool” and a $59.95 monthly fee if you are not in compliance.

  • Adyen, Payline, Square and Stripe don’t have specific charges for PCI compliance.

  • Some companies don’t have any information listed on their website, or they may have vague “service fees” that may or may not include PCI-related items.

Weighing the cost of this fee, if any, against the services you receive can play a role in choosing a payment processor. Even if your payment partner doesn’t charge you a fee, becoming PCI compliant usually costs something. Level 4 merchants can expect to pay from $300 to $1,000 annually to hire an approved scanning vendor to test their network, complete the questionnaire and help address any issues.

Tips for becoming PCI compliant

Given the technical nature of data security, completing the questionnaire can be challenging for small-business owners. The self-assessment questionnaires consist of yes-or-no questions; if you answer "no" to any of them, you must address the issue before submitting it. The following steps can make the process easier.

Practice good data hygiene

Much of the advice on securing data mirrors best practices you might already be familiar with when securing your own personal devices, including:

  • Keep software updated. Older point-of-sale terminals can be particularly vulnerable. Newer, cloud-based systems are built with strong encryption, typically receive updates automatically and can be less expensive.

  • Store only what you need. You probably don’t need to store physical copies of receipts.

  • Don’t click on suspicious links.

  • Educate employees about the importance of protecting cardholder data.

Take the paperwork seriously

Self-assessment questionnaires are technical in nature and can frustrate business owners, Glover says. Some people are tempted to simply check yes to all the questions on the questionnaire without giving the questions much thought.

“People just get frustrated,” Glover says. “We see this a lot. This is a business risk you’re taking.” He says that if a business owner does this and is later compromised, penalties are often stiffer. If you’re unsure of how to handle these questionnaires, consider asking your payment processor for clarification or seeking help from an outside agency.

Use systems that make compliance easier

The point-of-sale, or POS, system that you use can make PCI compliance easier. Using a cloud-based POS that integrates payment processing, a POS system and card readers can minimize security risks. These end-to-end systems are usually secure, low-maintenance and often include PCI compliance support.

Some business owners piece together an array of products and services from different companies, but these systems can be less secure and often depend on the owner keeping everything up-to-date.

Compliance resources checklist

Understand your business

  • Find out which tier your business falls under.

Talk to your payment processor about:

  • The specific compliance requirements in your contract.

  • Whether it has consultant recommendations should you need help.

  • Whether you are paying a PCI compliance fee.

  • Compliance services it provides or recommends.

Get help from experts

  • Use resources on the PCI Security Standards Council website to learn more about securing customer data.

For help finding an approved scanning vendor or someone to help with your assessment, talk to your financial partners or use the vendor lists PCI Security Standards Council keeps.

Tue, 22 Jun 2021 10:48:00 -0500 en-US text/html https://www.nerdwallet.com/article/small-business/pci-compliance
Killexams : Data-centric Security Market worth $12.3 billion by 2027 – Exclusive Report by MarketsandMarkets™

MarketsandMarkets Research Pvt. Ltd.

Chicago, Aug. 02, 2022 (GLOBE NEWSWIRE) -- Data-centric Security Market size is projected to grow from an estimated value of USD 4.2 billion in 2022 to USD 12.3 billion by 2027, at a Compound Annual Growth Rate (CAGR) of 23.9% from 2022 to 2027 according to a new report by MarketsandMarkets™. The need to secure most sensitive information (credit card numbers, intellectual property, or medical records), stringent compliances and regulations; the need to secure sensitive data on cloud, and growing data breach incidents is driving the growth of data-centric security market across the globe.

Browse in-depth TOC on “Data-centric Security Market
362 – Tables
41 – Figures
269 – Pages

Download Report Brochure: https://www.marketsandmarkets.com/pdfdownloadNew.asp?id=1504980

By component, the services segment to register the highest growth rate during the forecast period

Based on component, data-centric security services have witnessed a growing demand in recent years. The services segment includes various services that are required to deploy, execute, and maintain data-centric security platforms in organizations. Enterprises need support from service providers to enhance their data management, policy control, auditing & reporting, data protection, and for maintaining the governance over various silos. Professional service providers help enterprises in deploying data centric security software and solutions and managing all the queries in the product life cycle.

The professional services are offered through professionals, specialists, or experts to support the business. These services include consulting, designing and development and implementation, and support services. The latest techniques, strategies, and skills adopted by the professionals are said to be helping organizations in adopting data centric security features. They also offer customized implementation and risk assessment and assist with the deployment via industry-defined best practices.

With the increasing demand for data-centric security solutions in high-growth markets such as APAC and MEA, there is a significant demand for training and education services to spread awareness about various data-centric security solutions.

Request demo Pages: https://www.marketsandmarkets.com/requestsampleNew.asp?id=1504980

Based on organization size, the SMEs segment to grow at the highest CAGR during the forecast period

By organization size, the data centric security market is sub-segmented into large enterprises and SMEs. SMEs use data centric security solutions to reduce data fraud while enhancing the customer experience. The growing usage of mobile devices has influenced the data transfer over business networks to personal devices, such as mobile phones and laptops. Hence, this helps in increasing the fraudulent data, cyberattacks, data losses, and threat of personal data thefts. These rising security issues have made way for SMEs to focus their concerns on data centric security. Although, SMEs have to consider their limited budget, the comprehension of corporate information being an important consideration, makes them use data discovery and classification, data protection, and data governance solutions. Moreover, these solutions are available at economical pricing in the cloud deployment type. In the coming years, data centric security solutions are expected to witness high adoption among SMEs, all over the region.

North America to hold the largest market share in 2022

North America is estimated to account for the highest market share in the data-centric security market in 2022. The region comprises some of the key vendors that offer data-centric security solutions and services; some of them are Informatica, IBM, Broadcom, Micro Focus, Varonis Systems, Forcepoint, among others. By country, the US is expected to hold the largest market share owing to the growing data breach incidents. Implementing these technologies enables large amounts of data to be operated upon, which has resulted in widespread adoption of cloud-based solutions and investments in the data-centric security market. North America is a highly regulated region in the world with numerous regulations and compliances, such as the Federal Energy Regulatory Commission (FERC), HIPAA, PCI DSS, and SOX, across verticals. All these factors contribute to the high market share.

Speak to Research Expert: https://www.marketsandmarkets.com/speaktoanalystNew.asp?id=1504980

The major Players in data-centric security market are Informatica (US), IBM (US), Broadcom (US), Micro Focus (US), Varonis Systems (US), Talend (US), Orange Cyberdefense (France), Forcepoint (US), Imperva (US), NetApp (US), Infogix (US), PKWARE (US), Seclore (US), Fasoo (South Korea), Protegrity (US), Egnyte (US), Netwrix (US), Digital Guardian (US), HelpSystems (US), BigID (US), Securiti (US), SecuPi (US), Concentric.AI (US), Lepide (US), NextLabs (US), SealPath (Spain), Nucleus Cyber (US), and Dathena (Singapore).

Key and innovative vendors in the data-centric security market include Informatica (US), IBM (US), Broadcom (US), Micro Focus (US), Varonis Systems (US), Talend (US), Orange Cyberdefense (France), Forcepoint (US), Imperva (US), NetApp (US), Infogix (US), PKWARE (US), Seclore (US), Fasoo (South Korea), Protegrity (US), Egnyte (US), Netwrix (US), Digital Guardian (US), HelpSystems (US), BigID (US), Securiti (US), SecuPi (US), Concentric.AI (US), Lepide (US), NextLabs (US), SealPath (Spain), Nucleus Cyber (US), and Dathena (Singapore).

Browse Adjacent Markets: Information Security Market Research Reports & Consulting

Related Reports:

Data Discovery Market by Component, Functionality, Organization Size, Deployment Mode, Application, Vertical (BFSI, Healthcare and Life Sciences, Telecommunications and IT, Manufacturing), and Region - Global Forecast to 2025

Serverless Security Market by Service Model (BaaS and FaaS), Security Type (Data, Network, Perimeter, and Application), Deployment Mode (Public and Private), Organization Size (SMEs and Large enterprises), Vertical, and Region - Global Forecast to 2026

CONTACT: About MarketsandMarkets™ MarketsandMarkets™ provides quantified B2B research on 30,000 high growth niche opportunities/threats which will impact 70% to 80% of worldwide companies’ revenues. Currently servicing 7500 customers worldwide including 80% of global Fortune 1000 companies as clients. Almost 75,000 top officers across eight industries worldwide approach MarketsandMarkets™ for their painpoints around revenues decisions. Our 850 fulltime analyst and SMEs at MarketsandMarkets™ are tracking global high growth markets following the "Growth Engagement Model – GEM". The GEM aims at proactive collaboration with the clients to identify new opportunities, identify most important customers, write "Attack, avoid and defend" strategies, identify sources of incremental revenues for both the company and its competitors. MarketsandMarkets™ now coming up with 1,500 MicroQuadrants (Positioning top players across leaders, emerging companies, innovators, strategic players) annually in high growth emerging segments. MarketsandMarkets™ is determined to benefit more than 10,000 companies this year for their revenue planning and help them take their innovations/disruptions early to the market by providing them research ahead of the curve. MarketsandMarkets’s flagship competitive intelligence and market research platform, "Knowledge Store" connects over 200,000 markets and entire value chains for deeper understanding of the unmet insights along with market sizing and forecasts of niche markets. Contact: Mr. Aashish Mehra MarketsandMarkets™ INC. 630 Dundee Road Suite 430 Northbrook, IL 60062 USA: +1-888-600-6441 Email: sales@marketsandmarkets.com
Tue, 02 Aug 2022 02:30:00 -0500 en-CA text/html https://ca.news.yahoo.com/data-centric-security-market-worth-143000742.html

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