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What is PCI Compliance?
The Payment Card Industry Data Security Standard (PCI DSS), a set of comprehensive requirements for enhancing payment account data security, was developed by the founding payment brands of the PCI Security Standards Council, including American Express, Discover Financial Services, JCB International, MasterCard Worldwide and Visa Inc. Inc. International, to help facilitate the broad adoption of consistent data security measures on a global basis.

Why is PCI Compliance important for my business?
Recently, there have been several reports about companies, well known brands, who have experienced security issues resulting in the loss of customer’s credit card data. Companies like BJ’s Wholesale Club, Chipotle, DSW Designer Shoe Warehouse, Office Max, TJ Max and even payment processors like Heartland Payment Systems.

How does it work?
PCI is all about protecting your customers’ credit card data. Every touch point along the payment processing chain must be secure – the processor, the gateway, IP line, POS hardware and software, and the merchant. If any touch point along that chain is not secure, then the merchant is not PCI Compliant. All merchants must prove they are PCI Compliant.

How do I know if I am at risk?
The following types of companies and franchise systems are at highest risk due to higher adoption of high-speed/non-dial driven methods of transmitting payment transactions:

  • Hotel/lodging
  • QSR
  • E-commerce
  • Any merchant processing transactions via the Internet

Franchise systems can be at higher risk due to non-consistency in POS systems.

What could happen if I ignore this?
Non compliance can cause the following fines from the acquirer if data is compromised:

  • $50,000 per card holder or up to $500,000 per incident for first event
  • More fines and loss of access to accept card payments for subsequent events
  • Damage to brand due to customer concern over securely using their credit or debit cards in your systems locations – if event occurs in one location the damage will be viewed by the public as a risk in all locations
  • Class action lawsuits

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Automated Royalty Transactions • ATM Placement • Credit and Debit Card Processing

Custom iPhone and Blackberry Apps • Gift and Loyalty Card Programs • Merchant Cash Advance

Mobile Processing • PCI Compliance • Text Marketing