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Ensuring The Highest Levels Of Security For Credit Card Payment Processing

Credit card fraud is a serious problem in the United States, and to keep customers safe, every business needs to have a credit card payment processing solution with the highest security levels possible. Protecting customer data requires well-implemented encryption, careful authentication of a customer’s identity and up-to-the-minute alerts to prevent unauthorized card use. Most credit card payment processing systems take a number of steps to ensure this type of protection, but even so, businesses should be aware of the security measures used by the best modern credit card processing systems when setting up a merchant account.

Security depends somewhat on the type of transactions that a business handles and the terminals used to process those transactions. For instance, there are different security protocols for Internet transactions than there are for physical terminals. However, all transactions must meet certain guidelines for customer safety. Credit card payment processing companies use authentication tokens to ensure security. The term “tokens” is relatively broad and includes customer passwords, unique numbers and decryption codes that stop information from falling into the wrong hands. The basic role of an authentication token is to ensure that a customer’s card is authorized for use. Tokens are relayed to the payment processing company, which verifies them and authorizes the sale. If a transaction can’t be authorized, the credit card payment processing company will relay a signal to the merchant’s terminal that explains this. For instance, “insufficient funds” messages might be relayed if a debit card transaction can’t be processed. These messages help to ensure security and make payment processing easier from the merchant’s side.

Encryption is growing in importance in all types of credit card transactions. When data is encrypted, it is digitally scrambled using a complex algorithm that is absolutely impossible to crack without the right password or key phrase. Encrypted data stays safe until the correct authentication tokens are in place, and the best processing companies use the highest security levels of encryption to protect their clients. This is especially important in Internet transactions, because if a third party accesses the data that a customer sends when making a purchase, that party will not be able to access the customer’s credit card information or any other sensitive data. Encryption is measured by bits, and most credit card payment processing companies use 24-32 bit encryption or higher.

Good security can mean more customers in both online and physical transactions, as savvy consumers look to see that the appropriate security measures are in place before making purchases. By getting a great processing solution with ample security features, a business can protect its customers and ensure future growth.

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It took me a while to decide who I wanted to settle with to handle all of my credit card transactions because every company wants to make it sound like they're offering you the best rates. CreditCardProcessing.com was able compare and beat all of the other offers I received. They were also able to provide me the fairest price on my EMV-compliant terminal. My sales representative and the support team were there to assist every step of the way. Ultimately, I'm looking forward to a long term relationship with this company.

Roland Tran from the Hong Kong Kitchen

It is a pleasure dealing with these folks. Their pricing is fair, their statements are understandable and their employees are knowledgeable and friendly.

John MacMillian from the Great Lakes Baking Company

The service was very professional, my sales person (Steven B.) was very well versed in the product and most helpful in getting our company set up to accept credit cards via my cell phone. Their rates are some of the lowest on the market and their service is unparalleled. I will recommend them to anyone requiring a credit card processing service.

Michael Harper from Deluxe Auto Body

Jonathan C. is wonderful to work with. He is very helpful, accommodating and resolves any issue quickly. It is hard these days to find someone who gives great customer service, but I can say, Jonathan is the best! I would not hesitate to recommend him to any business owner and to assist you in helping to grow your business.

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I called indecisive about getting a device, but speaking to your Sales Consultant completely settled me. He was very professional, knowledgeable and patiently walked me through the process. He always responded to my voicemails and answered all my questions. After I received my merchandise, he called following up to ensure that I had received it. Customer service I would say is 5 stars. Stellar! Thanks Credit Card Processing, I will definitely recommend you.

Sarah Morgan from Vision International Ministries
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