With the recent tightening of credit markets, companies are increasingly moving toward credit cards as the preferred receipt method. This helps companies transfer substantial part of credit risk to card issuer. However, processing of credit cards requires compliance with security standards, fraud prevention guidelines and often Purchase Card Industry Guidelines. This session will highlight the 10 things to know while implementing a credit card receipt model and how Oracle helps security and compliance. Learning Objectives: 1. Learn the credit card industry guidelines for security and compliance and industry operating model 2. Know how Oracle stores credit card data and the patches required for advanced security 3.Understand the zero-touch credit card processing features offered by Oracle Receivables and Payments 4.Case Study on how VeriSign Inc integrated its web stores with Oracle Payments and key lessons 5.Learn how Advanced Collections could be integrated with Payments for real-time credit card authorizations.
Don't Handle Sensitive Data. Create A Tokenization Layer Around Your Enterprise.Paymetric, Inc.
This document discusses creating a tokenization layer around an enterprise to securely handle sensitive data. It describes how tokenization solutions can help companies qualify for SAQ-A for PCI compliance by outsourcing all cardholder data functions and not storing, processing, or transmitting cardholder data on premises. The document recommends consulting with an acquirer or QSA to confirm that a tokenization solution would achieve SAQ-A requirements.
Vera Bradley Chooses Paymetric to Automate Their Payment Processing NeedsPaymetric, Inc.
Vera Bradley implemented an integrated payment processing solution from Paymetric to enable secure online payments. The solution included XiPay On-Demand for payment acceptance and integration, XiSecure On-Demand for tokenization, and a CNBS Web AR solution. This allowed Vera Bradley to launch a B2B payment portal, automate accounts receivable, reduce PCI compliance scope and costs, and provide customers with secure online payment options.
From Bad to Worse: How to Stay Protected from a Mega Data BreachPaymetric, Inc.
Data breaches are hitting the news now more than ever before and the trend is getting nothing but worse. View our presentation to learn how deep a breach can go, common misconceptions and best practice solutions to keep your SAP-based business protected.
How To Avoid PCI Pitfalls in Keeping Your SAP® System Compliant and SecurePaymetric, Inc.
Many companies find it challenging to keep sensitive card data out of their SAP® systems.
View this presentation to learn how you can leverage Paymetric's XiIntercept for SAP® to prevent card data from ever entering your SAP environment - minimizing PCI Compliance scope and reducing the risk of a data breach.
For more information, visit www.paymetric.com.
The document discusses secure payment integration solutions for SAP. It provides an overview of Paymetric as an award-winning payment processor and describes the challenges of accepting electronic payments within SAP systems, including limited functionality, PCI compliance, and high costs. The document outlines Paymetric's solutions that securely integrate payments into SAP, including credit card processing, accounts receivable payments, tokenization for sensitive data, and reconciliation reporting.
From the eCommerce Summit in Atlanta June 3-4, 2009 where Mountain Media explains the topic of PC Compliance for online merchants. Visit http://www.ecmta.org to find out more.
Accepting electronic payments through payment card processing in SAP offers advantages like accelerated cash flow and reduced costs compared to paper-based transactions. While SAP provides basic payment card functionality, ensuring continuous functionality between SAP components and external payment processors can be complex. Developing custom interfaces is resource-intensive, while certified third-party solutions like Paymetric's streamline implementation and ongoing compliance. The document discusses key considerations for payment card processing in SAP and how Paymetric's solution addresses limitations to provide an integrated payment processing service.
Reducing cardholder data footprint with tokenization and other techniquesVISTA InfoSec
This webinar discusses techniques for reducing an organization's cardholder data footprint to simplify PCI DSS compliance. It covers tokenization, which replaces sensitive card data with random tokens that have no value. Tokenization stores the original data in a secure vault and allows transactions to use tokens instead of real card numbers, reducing the scope of systems and data in scope for PCI compliance. Other techniques discussed include network segmentation, point-to-point encryption, and outsourcing services to PCI-compliant vendors. Reducing an organization's cardholder data footprint lowers the cost and effort of compliance while also preventing data breaches and theft.
Don't Handle Sensitive Data. Create A Tokenization Layer Around Your Enterprise.Paymetric, Inc.
This document discusses creating a tokenization layer around an enterprise to securely handle sensitive data. It describes how tokenization solutions can help companies qualify for SAQ-A for PCI compliance by outsourcing all cardholder data functions and not storing, processing, or transmitting cardholder data on premises. The document recommends consulting with an acquirer or QSA to confirm that a tokenization solution would achieve SAQ-A requirements.
Vera Bradley Chooses Paymetric to Automate Their Payment Processing NeedsPaymetric, Inc.
Vera Bradley implemented an integrated payment processing solution from Paymetric to enable secure online payments. The solution included XiPay On-Demand for payment acceptance and integration, XiSecure On-Demand for tokenization, and a CNBS Web AR solution. This allowed Vera Bradley to launch a B2B payment portal, automate accounts receivable, reduce PCI compliance scope and costs, and provide customers with secure online payment options.
From Bad to Worse: How to Stay Protected from a Mega Data BreachPaymetric, Inc.
Data breaches are hitting the news now more than ever before and the trend is getting nothing but worse. View our presentation to learn how deep a breach can go, common misconceptions and best practice solutions to keep your SAP-based business protected.
How To Avoid PCI Pitfalls in Keeping Your SAP® System Compliant and SecurePaymetric, Inc.
Many companies find it challenging to keep sensitive card data out of their SAP® systems.
View this presentation to learn how you can leverage Paymetric's XiIntercept for SAP® to prevent card data from ever entering your SAP environment - minimizing PCI Compliance scope and reducing the risk of a data breach.
For more information, visit www.paymetric.com.
The document discusses secure payment integration solutions for SAP. It provides an overview of Paymetric as an award-winning payment processor and describes the challenges of accepting electronic payments within SAP systems, including limited functionality, PCI compliance, and high costs. The document outlines Paymetric's solutions that securely integrate payments into SAP, including credit card processing, accounts receivable payments, tokenization for sensitive data, and reconciliation reporting.
From the eCommerce Summit in Atlanta June 3-4, 2009 where Mountain Media explains the topic of PC Compliance for online merchants. Visit http://www.ecmta.org to find out more.
Accepting electronic payments through payment card processing in SAP offers advantages like accelerated cash flow and reduced costs compared to paper-based transactions. While SAP provides basic payment card functionality, ensuring continuous functionality between SAP components and external payment processors can be complex. Developing custom interfaces is resource-intensive, while certified third-party solutions like Paymetric's streamline implementation and ongoing compliance. The document discusses key considerations for payment card processing in SAP and how Paymetric's solution addresses limitations to provide an integrated payment processing service.
Reducing cardholder data footprint with tokenization and other techniquesVISTA InfoSec
This webinar discusses techniques for reducing an organization's cardholder data footprint to simplify PCI DSS compliance. It covers tokenization, which replaces sensitive card data with random tokens that have no value. Tokenization stores the original data in a secure vault and allows transactions to use tokens instead of real card numbers, reducing the scope of systems and data in scope for PCI compliance. Other techniques discussed include network segmentation, point-to-point encryption, and outsourcing services to PCI-compliant vendors. Reducing an organization's cardholder data footprint lowers the cost and effort of compliance while also preventing data breaches and theft.
E-commerce transactions represent one of the most vulnerable industries and require additional protection against fraud. In order to grant this protection, 3D-Secure protocol was developed. More information on 3D-Secure verification process can be found at #UniPayGateway unipaygateway.com
The Smart Approach To Pci DSS Compliance – Braintree White PaperBen Rothke
The document discusses Braintree's outsourced approach to PCI DSS compliance which allows merchants to eliminate handling credit card data and remotely store it in a PCI compliant facility. This dramatically reduces the controls merchants need from over 200 to under 20 and the time to compliance from 6-18 months to 1-3 months. An example cost comparison shows the Braintree solution would save a merchant over $300,000 compared to an in-house approach. Outsourcing with Braintree provides security, flexibility, and significant cost savings compared to attempting PCI compliance on your own.
This document discusses online payment transactions and the PCI DSS security standards. It explains that the PCI DSS was established by the major credit card companies to protect customer payment information. The PCI DSS has 12 requirements across 3 key goals - building a secure network, protecting stored data, and maintaining security. Merchants must be compliant with PCI DSS to accept credit cards. Compliance involves regularly assessing systems for vulnerabilities, remediating any issues found, and reporting on compliance efforts.
The document discusses different types of policies for managing personal data, including specific policies over individual resources, access control policies, and data handling policies. It also describes authorizations that define how personal data can be used and obligations that specify actions that must be taken, such as deleting data. The document provides an example of how policies from a data controller and data subject's preferences can be matched to generate a single sticky policy.
Systar's Credit Risk Decisioning for ACH application provides real-time credit risk information from across a bank's systems to help bankers make informed just-in-time decisions on ACH credit exposure. The application collects and correlates customer data to present key risk metrics on pending ACH files through intuitive dashboards. This helps bankers balance risk with customer service by avoiding credit being denied or extended erroneously.
Cheque truncation is a system of cheque clearing and settlement between banks based on electronic cheque images instead of physical cheques. It allows for faster cheque processing and settlement. Under cheque truncation, when a cheque is deposited, the physical cheque is truncated and replaced with digital images. These images are sent electronically between banks to clear payment. This reduces clearing time from days to just one day and lowers processing costs for banks and customers. It enables innovative banking services and faster funds availability.
Credit card tokenization is an efficient way to handle your company's payment processing needs without having to make any sweeping changes to your current business.
This document outlines the Payment Card Industry Data Security Standard (PCI DSS) version 2.0 from October 2010. It provides an overview of PCI DSS requirements for securing cardholder data, describes how PCI DSS applies to different entities, explains how PCI DSS relates to the Payment Application Data Security Standard, and provides guidance on assessing an entity's compliance with PCI DSS. The document also contains detailed testing procedures for each PCI DSS requirement and guidance for reporting on a PCI DSS compliance assessment.
This document discusses PCI DSS (Payment Card Industry Data Security Standard) and protecting personally identifiable information (PII). It provides background on PCI DSS including its purpose of optimizing credit card security. It defines what constitutes cardholder data and who must comply with PCI DSS. The document also discusses risks of PII breaches and best practices for minimizing PII use and categorizing PII confidentiality levels. It emphasizes the need for coordination across an organization in managing PII issues and having an incident response plan for PII breaches.
This presentation talks about various access management topics in IAM domain like authentication, authorization, MFA, Password less authentication, certificate based authentication SSO protocols like SAML, OIDC.
Tokenization Payment Data Out Securing Payment Data Storage- Mark - Fullbright
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
The document discusses a case study of an Indian bank implementing Newgen's Cheque Truncation System (CTS) solution. The bank needed a centralized solution to process cheques that was compliant with central bank regulations and provided faster processing. Newgen's CTS solution automated cheque processing, allowed for image-based cheque entry, and provided benefits like reduced errors, lower costs, and compliance. The solution scanned cheques, extracted and verified data, generated files for the central bank, and archived images.
ECMTA 2009 PCI Compliance and the Ecommerce MerchantMelanie Beam
Since the deadline for level 4 merchants to be in compliance is July 2010, I thought I\'d share this presentation I did in July of 2009 at the Ecommerce Summit.
Payliance offers an industry partner program that provides integrated payment and recovery solutions. The program offers benefits like PCI scope minimization, multiple payment methods through a single gateway, branded marketing materials, and an extremely competitive revenue share. Partners gain access to Payliance's portfolio of over 30,000 merchants across industries and can offer their clients a total payment solution with competitive pricing, electronic check guarantee, custom reporting, and an integrated payment recovery process.
PCI compliance is important for businesses that handle credit card data to protect against data breaches and fines. The webinar discusses PCI compliance requirements and controls, including understanding what PCI is, identifying risks to card data, and how to achieve and maintain compliance. It also explains how PCI was established in response to lawsuits against businesses that experienced data breaches, and details the six goals and twelve requirements that make up the PCI Data Security Standard.
This document provides an overview of card payment systems. It describes the simplified authorization flow when a customer makes a payment by credit or debit card, involving the merchant, acquirer/processor, payment brand, and issuer. It also discusses electronic data capture, the ISO 8583 financial transaction message format, magnetic stripe vs EMV chip cards, verification options, card not present transactions, card management systems, and the simplified settlement flow.
This document describes a proposed online banking management system. It discusses:
1) The need for an automated banking system to reduce manual work, increase efficiency and provide services anytime, anywhere.
2) The system would allow customers to perform transactions virtually like money transfers, deposits, withdrawals and link Aadhar cards to accounts online.
3) It proposes a secure system using technologies like MVC architecture, SOA, design patterns and entity framework to store and access data.
Application to Quickly and Safely Store and Recover Credit Card’s Information...IRJET Journal
This document proposes a vault application that allows for the secure storage and retrieval of credit card information using tokenization. The application follows PCI security standards and replaces sensitive credit card data with unique tokens. When a customer needs to make a payment, they can retrieve their tokenized card information from the vault using a safe identifier. This allows customers to store their card details in one place and speeds up online checkout processes without reentering sensitive data each time. The document outlines related tokenization systems from Visa and Mastercard and discusses how the proposed application aims to improve security and compatibility compared to existing solutions.
Efficiently handling Applications of Customer Receipts in Oracle Receivables KPIT
This document provides an overview of efficiently handling applications of customer receipts in Oracle Receivables. It discusses the different methods of applying receipt applications, including manually through the receipts workbench, via auto lockbox, and through receipt APIs. It also covers using receipt applications in abnormal situations, common errors, important reports, and tips and tricks.
E-commerce transactions represent one of the most vulnerable industries and require additional protection against fraud. In order to grant this protection, 3D-Secure protocol was developed. More information on 3D-Secure verification process can be found at #UniPayGateway unipaygateway.com
The Smart Approach To Pci DSS Compliance – Braintree White PaperBen Rothke
The document discusses Braintree's outsourced approach to PCI DSS compliance which allows merchants to eliminate handling credit card data and remotely store it in a PCI compliant facility. This dramatically reduces the controls merchants need from over 200 to under 20 and the time to compliance from 6-18 months to 1-3 months. An example cost comparison shows the Braintree solution would save a merchant over $300,000 compared to an in-house approach. Outsourcing with Braintree provides security, flexibility, and significant cost savings compared to attempting PCI compliance on your own.
This document discusses online payment transactions and the PCI DSS security standards. It explains that the PCI DSS was established by the major credit card companies to protect customer payment information. The PCI DSS has 12 requirements across 3 key goals - building a secure network, protecting stored data, and maintaining security. Merchants must be compliant with PCI DSS to accept credit cards. Compliance involves regularly assessing systems for vulnerabilities, remediating any issues found, and reporting on compliance efforts.
The document discusses different types of policies for managing personal data, including specific policies over individual resources, access control policies, and data handling policies. It also describes authorizations that define how personal data can be used and obligations that specify actions that must be taken, such as deleting data. The document provides an example of how policies from a data controller and data subject's preferences can be matched to generate a single sticky policy.
Systar's Credit Risk Decisioning for ACH application provides real-time credit risk information from across a bank's systems to help bankers make informed just-in-time decisions on ACH credit exposure. The application collects and correlates customer data to present key risk metrics on pending ACH files through intuitive dashboards. This helps bankers balance risk with customer service by avoiding credit being denied or extended erroneously.
Cheque truncation is a system of cheque clearing and settlement between banks based on electronic cheque images instead of physical cheques. It allows for faster cheque processing and settlement. Under cheque truncation, when a cheque is deposited, the physical cheque is truncated and replaced with digital images. These images are sent electronically between banks to clear payment. This reduces clearing time from days to just one day and lowers processing costs for banks and customers. It enables innovative banking services and faster funds availability.
Credit card tokenization is an efficient way to handle your company's payment processing needs without having to make any sweeping changes to your current business.
This document outlines the Payment Card Industry Data Security Standard (PCI DSS) version 2.0 from October 2010. It provides an overview of PCI DSS requirements for securing cardholder data, describes how PCI DSS applies to different entities, explains how PCI DSS relates to the Payment Application Data Security Standard, and provides guidance on assessing an entity's compliance with PCI DSS. The document also contains detailed testing procedures for each PCI DSS requirement and guidance for reporting on a PCI DSS compliance assessment.
This document discusses PCI DSS (Payment Card Industry Data Security Standard) and protecting personally identifiable information (PII). It provides background on PCI DSS including its purpose of optimizing credit card security. It defines what constitutes cardholder data and who must comply with PCI DSS. The document also discusses risks of PII breaches and best practices for minimizing PII use and categorizing PII confidentiality levels. It emphasizes the need for coordination across an organization in managing PII issues and having an incident response plan for PII breaches.
This presentation talks about various access management topics in IAM domain like authentication, authorization, MFA, Password less authentication, certificate based authentication SSO protocols like SAML, OIDC.
Tokenization Payment Data Out Securing Payment Data Storage- Mark - Fullbright
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
The document discusses a case study of an Indian bank implementing Newgen's Cheque Truncation System (CTS) solution. The bank needed a centralized solution to process cheques that was compliant with central bank regulations and provided faster processing. Newgen's CTS solution automated cheque processing, allowed for image-based cheque entry, and provided benefits like reduced errors, lower costs, and compliance. The solution scanned cheques, extracted and verified data, generated files for the central bank, and archived images.
ECMTA 2009 PCI Compliance and the Ecommerce MerchantMelanie Beam
Since the deadline for level 4 merchants to be in compliance is July 2010, I thought I\'d share this presentation I did in July of 2009 at the Ecommerce Summit.
Payliance offers an industry partner program that provides integrated payment and recovery solutions. The program offers benefits like PCI scope minimization, multiple payment methods through a single gateway, branded marketing materials, and an extremely competitive revenue share. Partners gain access to Payliance's portfolio of over 30,000 merchants across industries and can offer their clients a total payment solution with competitive pricing, electronic check guarantee, custom reporting, and an integrated payment recovery process.
PCI compliance is important for businesses that handle credit card data to protect against data breaches and fines. The webinar discusses PCI compliance requirements and controls, including understanding what PCI is, identifying risks to card data, and how to achieve and maintain compliance. It also explains how PCI was established in response to lawsuits against businesses that experienced data breaches, and details the six goals and twelve requirements that make up the PCI Data Security Standard.
This document provides an overview of card payment systems. It describes the simplified authorization flow when a customer makes a payment by credit or debit card, involving the merchant, acquirer/processor, payment brand, and issuer. It also discusses electronic data capture, the ISO 8583 financial transaction message format, magnetic stripe vs EMV chip cards, verification options, card not present transactions, card management systems, and the simplified settlement flow.
This document describes a proposed online banking management system. It discusses:
1) The need for an automated banking system to reduce manual work, increase efficiency and provide services anytime, anywhere.
2) The system would allow customers to perform transactions virtually like money transfers, deposits, withdrawals and link Aadhar cards to accounts online.
3) It proposes a secure system using technologies like MVC architecture, SOA, design patterns and entity framework to store and access data.
Application to Quickly and Safely Store and Recover Credit Card’s Information...IRJET Journal
This document proposes a vault application that allows for the secure storage and retrieval of credit card information using tokenization. The application follows PCI security standards and replaces sensitive credit card data with unique tokens. When a customer needs to make a payment, they can retrieve their tokenized card information from the vault using a safe identifier. This allows customers to store their card details in one place and speeds up online checkout processes without reentering sensitive data each time. The document outlines related tokenization systems from Visa and Mastercard and discusses how the proposed application aims to improve security and compatibility compared to existing solutions.
Efficiently handling Applications of Customer Receipts in Oracle Receivables KPIT
This document provides an overview of efficiently handling applications of customer receipts in Oracle Receivables. It discusses the different methods of applying receipt applications, including manually through the receipts workbench, via auto lockbox, and through receipt APIs. It also covers using receipt applications in abnormal situations, common errors, important reports, and tips and tricks.
Everything You Need to Know About Taking PlasticBusiness.com
Consumers are so used to the convenience of credit and debit cards that it's no longer an option for a merchant to take plastic -- it's a necessity. Consumers expect to be able to use plastic to pay for everything, even small items. From their point of view, that's the end of the transaction but it's a whole different story for the merchant.
From credit card readers to securing the networks to transmitting information to the bank, there are multiple steps that must happen before the money is finally deposited into the merchant's account.
What's cooking in omnichannel by BisnodeLode Lauwers
This document discusses how customer journeys and omnichannel marketing will evolve by 2020. It outlines a 10 step customer journey that involves collecting, connecting, enriching and interpreting customer data to create a single customer view. This data is then used to take action and monitor customers in real-time. By 2020, marketing will be highly personalized for each customer using big data analytics to quickly respond to churn and cross-sell opportunities. The conclusion states that by 2020 technology will greatly improve marketing effectiveness, but marketers must still focus on connecting with customers and using creativity alongside technology.
PCI DSS v 3.0 and Oracle Security MappingTroy Kitch
This document discusses helping customers comply with PCI DSS v3.0 requirements for payment card security. It provides an overview of the history of payments, reasons for PCI standards due to losses from security breaches, details of PCI requirements and levels based on transaction volume, and capabilities of Oracle products to address key requirements such as encrypting stored data and restricting access. Real-world examples of Oracle customers SquareTwo Financial and TransUnion are also presented that secured cardholder data and addressed compliance needs using Oracle technologies.
The session will begin with the history of the oracles endeavor with CDI solutions with their Oracle CDH product and brief functionality of R11i. And the session quickly progresses into the new features and functionality of the R12 version of the CDH product. The session concludes with the potential future aspects of the product beyond R12.
Objectives:
1) Bring the audience up to the speed by discussing R11i version of the Oracle CDH product and TCA.
2) Educate the audience about the improvements and new features made available in R12.
3) And conclude the presentation with oracle’s future directions of the Oracle CDH products beyond R12.
How to become a millionaire with eCommerceColin Lewis
This document outlines 25 steps to become a millionaire through eCommerce. It recommends finding a product market using online tools, selecting a domain name, registering a company, choosing eCommerce software like Shopify or BigCommerce, setting up payments and shipping, launching marketing efforts, and optimizing over time. The goal is to have a profitable online store generating revenue within a few months that could grow substantially over years.
This presentation covers the credit card business and highlights the many different types of credit cards available, how credit cards are processed and the major credit card issuers.
The document provides an overview of the history and evolution of the card and loyalty industries from 1914 to present day. It defines key terms related to cards, payments, and loyalty programs. It also outlines the major players and how money is made in the card and loyalty industries through interchange fees and rewards programs.
This document outlines Autoneum's approach to creating a payment factory. It discusses Autoneum's goals of gaining full daily cash visibility and cost savings. It details the implementation of a SAP Treasury system and FIDES connectivity to standardize payment processes across legal entities. Challenges included managing dependencies and change. Benefits have included single bank connectivity, payment standardization, transparency, and relationship and cost improvements.
Electronic payment systems allow customers to make online payments for purchases. There are various types of electronic payment methods, including e-wallets, e-cash, smart cards, and credit cards. E-cash works like real currency with unique serial numbers, while e-wallets store payment information like credit cards. Smart cards can be used for applications such as travel tickets and medical records. Credit cards involve repaying spent amounts later. Payment gateways protect sensitive credit card details during transactions between customers, merchants and payment processors. Electronic payment is growing in India due to technology changes, internet access, and encouragement by the Reserve Bank of India.
The document discusses electronic payment systems, their objectives, examples, types, and security services. It describes methods like e-cash, smart cards, and credit/debit cards. E-cash uses cryptographic algorithms to prevent double spending while preserving anonymity. Smart cards can process data and payments. Credit cards require repayment of spent amounts. Payment gateways protect credit card details and ensure secure transactions between customers, merchants and processors. The conclusion states that electronic payment systems have expanded markets and made payments more convenient.
Mobile Credit Card Processing: The Top 4 Options ComparedFit Small Business
Looking to accept mobile payments for your company but not sure where to start? Our Mobile Credit Card Processing presentation comparing the top options is the place to start.
This document discusses IBM DataPower PCI solutions. It provides an overview of the Payment Card Industry Data Security Standard (PCI DSS) and its requirements. It then describes how IBM DataPower appliances can help organizations meet many of the PCI DSS requirements by providing functions like firewalling, encryption, access control, logging, and security policy management. The document also highlights some of DataPower's key products and capabilities for PCI compliance, and provides contact information for the IBM sales representative.
Vigilix provides POS-specific remote monitoring and support solutions through their VAST software. They are located in Greenville, SC and have been in business since 2004. VAST allows for PCI-validated monitoring of hardware, operating systems, and POS applications. It also enables remote access and offsite backups. VAST is delivered as software as a service hosted in a secure data center. Vigilix works with POS independent software vendors and regional dealers to provide these services to over 13,000 POS systems.
pci-comp pci requirements and controls.pptgealehegn
The document discusses the Payment Card Industry Data Security Standard (PCI DSS), which establishes requirements for securely handling, storing, and transmitting credit card data. It requires merchants and service providers that process, store or transmit credit card data to comply with security standards covering areas like network security, data protection, access control, monitoring, and security policies. Non-compliance can result in fines, lawsuits, and loss of credit card processing privileges. The Commonwealth of Massachusetts is working to help state departments assess their PCI compliance status and achieve validation through qualified security assessors and approved scanning vendors.
PCI Compliance What Does This Mean For the Australian Market Place 2007Jason Edelstein
This document provides an overview of PCI compliance requirements for merchants in the Australian market. It discusses the PCI Data Security Standard's six goals and twelve requirements. It outlines the different merchant levels and their associated compliance requirements, as well as the risks of non-compliance such as fines. It also examines the current state of PCI compliance in Australia and next steps, noting most merchants are now better prepared than 12-24 months ago but further education is still needed.
The document discusses PCI DSS compliance and maintaining ongoing compliance. It describes PCI DSS as a security standard developed by payment brands to ensure payment data security. Achieving and maintaining PCI compliance can be challenging due to evolving threats, technologies, and requirements. Outsourcing compliance tasks to an expert partner can help organizations adapt to changes and maintain ongoing compliance in a cost-effective manner.
The document provides an overview of the Payment Card Industry Data Security Standard (PCI DSS). It discusses what PCI compliance is and why it is important. It outlines the goals and 12 requirements of the PCI DSS, including building a secure network, protecting cardholder data, maintaining vulnerability management, access control measures, monitoring networks, and maintaining an information security policy. It also discusses how to achieve and maintain compliance to avoid fines. The document provides information on PCI compliance requirements, processes, policies, controls, project management, and key messages around PCI.
PCI Compliance—Love It, Hate It, But Don’t Ignore It (11NTCpci)Miminten
PCI Compliance is a standard for security of payment card data that all businesses processing credit cards must comply with. It aims to enhance payment security through requirements for security management, policies, procedures, network architecture, software design and other critical protective measures. The standard is maintained by the PCI Security Standards Council and enforced by the major credit card brands. Compliance involves conducting a risk assessment and completing a Self-Assessment Questionnaire to validate security controls.
“Understanding PCI DSS and PA DSS is crucial to the role of a penetration tester. Quoting the relevant PCI-DSS or PA-DSS control reference for your findings would help demonstrate the proper risk arising from common security findings such as support of older SSL versions, weak encryption when storing cardholder data, lack of proper logs from the application, and of course the entire gamut of web application security bugs”.
- PCI compliance involves meeting technical and operational security standards to protect credit card data as defined by the PCI Security Standards Council which includes Visa, MasterCard, and other major payment brands.
- If a business accepts credit cards, they must comply with the PCI Data Security Standard. Compliance is important to avoid consequences of a data breach such as fines, loss of customers, litigation, and damage to reputation.
- Common reasons for non-compliance found after data breaches include lack of network segmentation, failure to implement necessary access controls, and failure to apply security patches. Regular security monitoring is important for compliance.
PCI Compliance Fundamentals The CircuitThe Circuit
Brian Herman of StillSecure presented on PCI Compliance Fundamentals for The Circuit. He offered information on what is it, why is it important, and suggestions to implement.
This document provides an introduction to PCI-DSS (Payment Card Industry Data Security Standard). It defines key terms like PCI, cardholder data, and sensitive authentication data. It explains why PCI security standards are important to protect payment card data and prevent fraud. The document outlines the six goals and twelve requirements of PCI-DSS, as well as introducing PA-DSS which focuses on developing secure payment applications. It provides instructions on determining an organization's PCI compliance level and selecting the appropriate Self Assessment Questionnaire.
Get to know which security standards are applicable to OpenStack clouds
Evgeniya Shumakher, Mirantis
Compliance with critical industry and regulatory standards used to be mostly the concern of application makers and customers integrating their solutions. Cloud computing – especially IaaS – has made things a lot more complicated. Meanwhile, emerging cloud-specific standards, like FedRAMP or CSA cloud security guidelines, are suggesting new, complex and stringent requirements – while also offering critical guidance.
The presentation offers an inside look at the process:
The most important compliance and security standards for cloud builders,
Where existing OpenStack resources can fully or partially solve common compliance problems
Where standards support within OpenStack is currently thin
The common workflow for architecting standards-compliant clouds,
Common risks and emerging opportunities.
Take a closer look at PCI Compliance for private OpenStack clouds
Scott Carlson, PayPal
PCI Compliance is very important for large financial institutions. As one of the larger installations of OpenStack within the Financial space, PayPal has driven forward the PCI conversation and will be sharing the technical perspective on the following related to PCI and OpenStack Private Clouds:
How does OpenStack fit into an existing PCI-Compliant Environment
When there is not an external Cloud Service Provider, how does your team need to compensate
What are the design choices required to continue to be PCI-Compliant
Physical versus Logical devices
Hypervisor versus Guest compliance
Management Networks for PCI and non-PCI Zones
The case study won’t give a fully prescriptive talk on how to obtain PCI compliance, because there is a lot more to gaining compliance than just making your cloud compliant, but will help to understand:
Where existing OpenStack resources can fully or partially solve PCI compliance problems,
Where OpenStack community needs to join together to solve in order to continue growth
into PCI-compliant spaces.
This document discusses the importance of PCI compliance for businesses that accept credit cards. It begins by explaining what PCI is and the penalties for non-compliance, which include fines and forensic investigation costs. It then outlines who must comply with PCI standards based on their role in processing credit card transactions. The document concludes by emphasizing the costs of a security breach and provides tips for businesses to improve their PCI compliance.
PCI DSS is a security standard for payment card data that provides requirements for technical and operational security. Compliance is important to avoid consequences of a data breach like regulatory fines and loss of customers. The standard applies to any entity that stores, processes, or transmits cardholder data. It aims to protect data through requirements around firewalls, encryption, access control, vulnerability management, and more. The PCI Security Standards Council maintains and enhances PCI DSS and other standards for payment security.
This document summarizes cash management and treasury solutions for the real estate industry presented by Bernadette Knight and Lyndie Fasold. It outlines challenges faced by real estate companies, such as managing bank accounts and tenant collections. It then describes Citibank's cash management products and solutions, including lockbox services, remote check deposit, ACH origination, account reconciliation, and security deposit accounts to help address these challenges. The presentation aims to demonstrate how Citibank's treasury management services can help real estate firms minimize risk, maximize returns, and increase operational efficiency.
Over the past few years, PCI compliance in the public cloud has been a growing topic of concern and interest. Like us, you probably have heard assertions from both sides of the topic - some stating that one can be a PCI compliant merchant using public IaaS cloud, others stating that it is impossible. Join us in this webinar as our Director of Security and Compliance, Phil Cox, addresses these concerns and demonstrates how PCI compliance in the public IaaS cloud is indeed possible.
In this webinar we’ll discuss:
- Foundational principles and mindsets for PCI compliance
- How to determine system/application scope and requirement applicability
- Top-level PCI DSS (Data Security Standard) requirements and how to meet them in the public IaaS cloud
This webinar is perfect for those who are searching for solid answers on security in the public cloud. Our goal with this webinar is to educate you with the information you need to have confidence and make the most of your public cloud, while dispelling any myths surrounding the topic of security and the public cloud.
Payment Card Security: 12-Steps to Meeting PCI-DSS Compliance with SafeNetSafeNet
To ensure their compliance with the PCI Data Security Standard, many businesses have turned to SafeNet technology for a solution. To meet these demands, SafeNet offers a range
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10 Steps To Secure and PCI Compliant Credit Card Processing In Oracle Receivables
1. 10 Steps to Secure & PCI Compliant
Credit Card Processing in Oracle
Receivables
Presenters: Anil Madhireddy, VeriSign Inc.
Carol Gonzales, VeriSign Inc.
Contributor: Praveen Akula, VeriSign Inc.
NORCAL OAUG Training Day
January 19 2010
2. About Us
VeriSign, Inc. (NASDAQ: VRSN) is the trusted provider of Internet
infrastructure services for the networked world. Billions of times
each day, our SSL, identity and authentication, and domain name
services allow companies and consumers all over the world to
engage in trusted communications and commerce.
Anil Madhireddy is a Senior Business Analyst in the Enterprise IT
Division of VeriSign Inc
Carol Gonzales is a Business Analyst with Financial Systems
Division of VeriSign Inc
Praveen Akula is Senior Developer with Enterprise IT Division of
VeriSign Inc
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3. Learning Objectives
1. Learn the credit card industry guidelines for security & compliance
and industry operating model
2. Know how Oracle stores credit card data and the patches required for
advanced security
3. Understand the zero-touch credit card processing features offered by
Oracle Receivables and Payments
4. Case Study on how VeriSign Inc integrated its web stores with Oracle
Payments and key lessons learnt
5. Learn how Advanced Collections could be integrated with Payments for
real-time credit card authorizations.
6. Understand the 10 steps essential for secure & PCI compliant credit card
processing model
** VeriSign is no longer a Credit Card Payment Gateway. VeriSign Payment Services
was sold to PayPal in 2005
** This presentation is a process oriented overview and configuration aspects are left
to Q&A sessions
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4. Credit Cards – Why a Preferred Receipt Method?
With the recent tightening of credit
markets, companies are
increasingly moving toward credit
cards to transfer substantial part of
credit risk to card issuer.
Accepting credit cards will often
increase... even double your current
sales
Credit Checking is easy and instant Over 90% of web purchases
on Credit Card transactions & so it are made using credit cards..
secures the purchase
Greater scope for automation
Credit Cards funds are generally of credit card receipt model (as
settled in a couple of days – it against checks, wires etc)
improves cash flow, helps slash
credit to cash cycle and reduce the Your competition is already
organization’s Days Sales accepting credit cards. You
Outstanding (DSO) need to accept cards in order
to survive
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6. Credit Card Processing Models
Processing Models VeriSign Portals Oracle Receivables
Type 1 Authorization Funds Capture
(Majority of VeriSign Portals Order & Authorization Info passed Refunds
fall into this Category) to Oracle AR & Payments
Chargeback
Type 2 Orders processed without Authorize
Authorization & Interfaced to
(A few VeriSign Portals Oracle Receivables Funds Capture
belong to this Category and
are now converting to Type 1) Refunds
Chargeback
Type 3 Authorize @ Record Invoices &
Receipts
(Only one VeriSign Portal Funds Capture
belong to this Category) Chargeback
Refunds 6
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7. Step1 – Understanding Payment Card Industry Guidelines
The PCI Security Standards Council:
– An open global forum for security standards for credit
card data protection.
– Founded by American Express, Discover, JCB,
MasterCard Worldwide and Visa Inc.
– facilitates broad adoption of consistent data security
measures on a global basis.
PCI Data Security Standard (PCI DSS):
– is a multifaceted security standard
– includes requirements for
– security management,
– policies, procedures, network architecture,
– software design and other critical protective measures.
– This comprehensive standard is intended to help
organizations proactively protect customer account
data.
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8. PCI Data Security Guidelines at Glance
(More info @ https://www.pcisecuritystandards.org/)
Build and Maintain a Secure Network Implement Strong Access Control
– Install and maintain a firewall configuration Measures
to protect cardholder data
– Restrict access to cardholder data by
– Do not use vendor-supplied defaults for business need-to-know
system passwords and other security
parameters – Assign a unique ID to each person with
computer access
Protect Cardholder Data – Restrict physical access to cardholder
– Protect stored cardholder data data
– Encrypt transmission of cardholder data
across open, public networks Regularly Monitor and Test
Networks
Maintain a Vulnerability Management
Program – Track and monitor all access to
network resources and cardholder data
– Use and regularly update anti-virus
software – Regularly test security systems and
– Develop and maintain secure systems and processes
applications
Maintain an Information Security
Policy
– Maintain a policy that addresses
information security 8
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9. Know the Credit Card Industry Operating Model
For a typical ecommerce credit card transaction, a number of participants play key
roles in the process. Those players include:
1. the customer,
2. the merchant,
3. the payment gateway,
4. the acquiring bank’s processor,
5. the credit card interchange,
6. the customer’s credit card issuer, (who has the final say to Approve or Decline) 9
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10. Step 2: Decision to Go Via Payment Gateway or Go Direct to
Payment Processor
Payment Gateway Model (eg. Go Direct to Payment Processor
PayPal, Authorize. net, Orbital) (Chase Paymentech, PayPal)
Merits Merits
– Acts as a Submitter – Go Direct Approach
– Supports Real-Time Authorization – Better Reporting
& Funds Capture Model – Better Implementation Support
– Switching Back-End Processor is
easy De-Merits
– Integrates with all processors – Switching Processors becomes
challenging, a big project in itself
De-Merits – Each Portal need to write code to
submit to the Processor
– Basic Reporting only
– Does not Support Real-Time
– Adds another Layer to Credit Card Settlement Processing
Processing 11i requires Batch Close,
– Basic Support only – we need to Batch Query & Retry
contact Payment Processor for Process for settlements
further information on a R12: Create Settlement
transaction. Batches concurrent
program
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11. Step 3: Secure Credit Card Transactions
CVV2/CSC/CVC Validation
The card security code is a 3- or 4-
digit number (not part of the credit
card number) that is printed on the
credit Card.
Provides some assurance that the
physical card is in the possession of
the buyer. Notes:
DO NOT store the CVV2/CVS/CVC in Please be sure to read
your database or log files regulations/guidelines provided by
Card Issuers – VISA/Master/AMEX
CVV2 code validation in sub ledgers is – on CVV2/CSC/CVC Validation
only supported in R12 (not 11i).
Address Verification Service is
Address Verification Service supported only for select countries
like US, Canada & UK…Please
The address verification service result contact your processor for more
is for advice only. Banks do not guidelines
decline transactions based on the
address verification service result Billing Zip Validation is leaner
version of AVS where only the zip
code is validated. Most merchants
opt for billing zip validation instead
of complete address verification
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12. Step 4: Implement a Strong Encryption Model
All Files that transmit credit card data
should be secured & encrypted
Credit Card Numbers are
stored/referenced in Oracle in multiple
Tables
Must Apply PCI complaint Oracle Credit Card Data in Oracle EBS:
Encryption Patch 4607647 to secure
credit card data
Patch provides:
– Consolidation of primary account
numbers from four tables to one
– Encryption of primary account numbers,
– Automatic masking of primary account
numbers.
The credit card encryption is only for
the Credit Card Number
– Cardholder name & expiration date
remain as is in the existing tables.
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13. Guide to Oracle Encryption
Metalink Notes:
Oracle Applications Credit Card
Encryption
– Oracle Metalink Note ID 338756.1,
Oracle Corporation, 12 December
2006,
Does The Credit Card Encryption
Patch 4607647 Impact Internet
Expenses?
– Oracle Metalink Note ID 390032.1,
Oracle Corporation, 22 January 2007,
Where The Credit Card Numbers Are Must Read!
Stored For iStore?
– Oracle Metalink Note ID 376708.1, Oracle Applications 11i: Credit
Oracle Corporation, 13 July 2006 Cards and PCI Compliance
How To Encrypt Credit Card Data In Issues
Release 12 – White Paper By Stephen Kost and
– Oracle Metalink Note ID 863053.1, Jack Kantar, Integrigy Corporation
Oracle Corporation, 05 October 2009
R12 Mandatory Wallet Patches
– Oracle Metalink Note ID 737364.1,
Oracle Corporation, 21-JAN-2009
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15. Step 6: Define Payee, Payment System & Routing Rules
Payment System
– Third party payment processor or gateway that you want Payments to
send credit card processing requests.
– Examples: Paymetech, FirstDataNorth, PayPal, Cybercash
Payee:
– Entity that will receive funds in an e-Commerce transaction.
– Generally this is:
– a merchant identifier (like PayPal USD) or
– an accounting rollup organization of a merchant (like 011-USD-vsxxxx)
– Payee is tied to a AR Receipt Method using Merchant ref (in 11i) and
Routing rules (in R12)
Routing Rules
– Routing Rules are used by Oracle Payments to route the payment
transactions to the right Payment System accounts (merchant accounts)
– You can route by currency, operating unit, receipt method, card type,
amount, org id
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16. Step 7: Define CC Error Handling Model
Oracle provides ability to manage CC Error Handling via application
setup – you can instruct the application what action to perform if it hits
a specific error during authorization or funds capture
Options Include
– Retry of Authorization or Settlement Request
– Clear Payment Information
– Reverse Receipt (For Funds Capture Request only)
– Reverse Receipt or Re-authorize Receipt (Funds Capture Requests only)
After Retry for set number of days, AR flags the receipt with error
code.
– Error Receipts/Invoices are available in Correct Funds Transfer Errors
Form for manual remediation.
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17. Oracle Terms and Definitions
Term Definition
Authorization Third Party payment processor verifying your credit card and
reserving payment from your credit card
Funds Capture Credit card issuer (e.g. Visa or Master card) has reserved the receipt
amount and has agreed to remit this amount to the payee’s
(merchant’s) bank
PSON – Payment A unique number that is used to identify the receipt that closes a
Server ID transaction. Appears in the receipt after successful CC authorization
e.g. AR_1166
Approval Code A unique number (e.g.223132883) generated by a third party
payment processor to indicate that the credit card authorization is
successful
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18. Credit Card Payment Processing in AR
VISA
Database
Error Error
Master
Card
Database
Payments(R12) / 3rd Party Payment Processor
Receivables - Invoices with
Credit Card Payments iPayments (11i) ( Cyber cash, PaymentTech)
Correct CC errors Correct CC errors
automatically manually
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19. Credit Card Authorization Process
Credit Card
Approved
Error
Invoice in AR with CC
Create and Approve Receipt Payment – CC
Payment Method
(Create Auto Receipt Batch) Authorization
CC authorization successful CC authorization failed
Receipt created with PSON
Receipt NOT Created
and Approval Code
Use Credit Card / Funds Transfer
Error Handling feature to correct
errors
– Retry
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– Clear Payment Information
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20. Credit Card Funds Capture Process
Funds
Captured
Error
Receipt with PSON Create and Approve Remittances Payment CC
and Approval Code Capture
(Authorized CC)
CC capture successful CC capture failed
Payment Captured
Receipt remittance failed
Receipt status = Remitted
Use Credit Card / Funds Transfer Error
Handling feature to correct errors
–Retry (Clear errors)
– Reauthorize Receipts
– Reverse Receipts
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21. Step 8: Define Decline Management Model
Be Realistic : Expect some Credit Cards to get declined
Separate the wheat from the chaff
– Technical Errors Vs Real Declines
– Network Not Available Vs Insufficient Funds
Define an Automated Decline Management Model
– Automatically Retry Declined Cards (for a define time period)
– Notify Customers of (real) declines
– Decide whether to provide customers with a reason code for decline
– Have a process to accept new cards or retry existing credit cards
– Integrate Declines Management Strategy with Dunning & Collections
Process
– Enable Credit Card Integration in Advanced Collections so Collectors can
do real-time authorizations when in contact with customers.
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23. Step 9 Refund & Chargeback Processing
Refunds Submitted in Oracle AR Refund Requests Interfaced to Oracle
– Identify Receipt to be Refunded from Portals/Store Fronts or OM
– Un Apply Receipt from Invoice – Refund request interfaced through Auto
– Apply to ‘Credit Card Refund’ Invoice as a Credit Memo
Receivable Activity – Transaction Source needs to be set to
process Automatic handling of credits
The Auto Invoice process will:
– Oracle AR Auto-Creates a Negative – Create a Credit Memo
Miscellaneous Receipt – Un Apply the Original Invoice from the
– Remittance process will select the Receipt
Negative Receipt to process refunds – Apply the Credit Memo to the Original
with Payment System Invoice
– Apply a Credit Card Refund Activity to
Chargeback Processing the Original Receipt
– Identify Receipt to be charged back – Create a Miscellaneous Receipt for the
– Reverse Receipt negative amount.
– Clear Credit Card Information on the
Original Invoice so the invoice is not
picked up for Auto Receipts Program
again
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25. T – Account Representation
(XXX – denotes Original Receipt Amount ; YYY denotes Refund Amount)
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26. Step 10: Implement Daily Transaction Monitor
A well automated credit card processing model requires a good monitoring tool
to ensure that the zero-touch process is working fine
Pre-requisites of Monitoring Report
– Transaction Report per Payee
– Daily (end of business day report)
– Actionable
– Preferably as a Email Notification
– Transaction Summary (Authorizations / Settlement Processed)
– Summary of Credit Card Errors/Declines
– Card Type Transaction Breakup
Tip: Watch out for Unknown Errors (AR Flags Invoices Receipt as Error with no
error-code or description – Requires log file reviews to debug)
– 3 Types of Unknown Errors
– Inbound Communication Cut-offs
– Outbound Communication Cut-off
– Internal AR Validation (Capture Amount cannot exceed Auth Amount)
– Oracle Patches Available for some of the above errors.
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28. Real Time Authorizations from Advanced Collections
VeriSign has enabled Advanced Collections Integration with Oracle
Payments that has real time Integration with BEPs like PayPal,
Paymentech, Citibank etc
Thanks to the above Integration, Collection Agent can process real
time credit card authorizations from Advanced Collections and
process payment immediately
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30. VeriSign Implementation – Lessons Learned
Portal Integrations
– CVV2/CID/CSC validations responses
differs across different card providers.
Some issuing banks do not support
CVV2 /CSC validation. Strategy for
handle Neutral responses
– Given the global nature of the web
stores, we needed to regulate input
values for Billing Zip – some cases the
customer did not enter valid zip codes
that caused delays in credit card
processing Oracle EBS (contd.)
– Contact American Express to switch on – Inbound Communication from payment
‘CSC’ validation for AMEX cards. For system Cut-off due to "ECServlet security
VISA & Master, Discover, this was not token rejected" - May lead to double
required. authorization or settlements
– Oracle did not identify Purchase Cards
Oracle EBS – Correct Credit Card Errors Form unstable
– Automatic Remittance Program causes and not user friendly
receipt remittance to error internally if – Testing Credit Card Transactions will be
capture amount > authorized amount, challenge
requiring manual intervention. Oracle
Patch available to remove this – as tests are based on test credit
validation. cards and set of simulated rules
like Amount < 1000 for approvals;
Amount > 1000 for declines
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31. VeriSign Implementation – Benefits
CVV2/CSC validation helps filter credit card fraud
Zero Touch, secure & PCI compliant credit card processing model
Pre-authorization of credit cards lead to substantial reduction in bad
debt write-off
Credit Card funds are settled in a couple of days – improves cash flow,
helps slash credit to cash cycle and reduce the organization’s Days
Sales Outstanding (DSO)
Zero Touch Declines Management contributes to better & more
efficient collections process
One-Touch Refund Process led to better efficiency
Daily Transaction Monitor helped trouble-shooting easier
Excel Friendly Credit Card Reporting & Oracle’s Unique Payment
Server ID helps Receipt Tracking and Receipts Reconciliation user-
friendly and efficient.
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32. 10 Essential Steps to Credit Card Processing
1. Understand PCI Compliant Credit Card Guidelines
2. Decision on Payment Gateway vs. Payment Processor Model
3. Define Security Model – CSC/CVV2 & Billing Zip Validations
4. Implement a Strong Encryption Model
5. Setup Receipt Class, Payment Method & Bank Accounts
6. Setup Payment System, Payee & Routing Rules
7. Setup Credit Cards Error Handling Model
8. Define Declines Management Model
9. Understand Refund & Chargeback Processing
10. Daily Transaction Monitor & Reporting
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