Most e-commerce merchants who use payment gateways can gauge their level of PCI compliance with that organization’s Self-Assessment Questionnaire A. Major payment card brands like Visa and Mastercard operate independent programs that define validation levels and compliance, so the notion of “compliance” itself is complex. It publishes and updates the PCI Data Security Standard (PCI DSS), which applies to “all entities that store, process, or transmit cardholder data and/or sensitive authentication data.”ĭifferent types of businesses need varying levels of PCI compliance, ranging from a few simple requirements for online sellers using gateways to full validation for gateway providers themselves. The Payment Card Industry Security Standards Council (PCI SSC) is an international group dedicated to keeping payment data secure. When a website doesn’t have an up-to-date certificate, browsers may warn users of the security risk, which can pose serious problems for any website that handles online transactions. In most browsers, the presence of such a certificate is readily apparent to users, symbolized by a closed padlock in the URL bar. “For the moment, provided SSL security is up to date with modern encryption, secure information is well protected at this stage,” says Jason Agouris, CEO of digital systems provider iTristan Media Group.Īn SSL or TLS certificate is vital in today’s online ecosystem. This certificate shows that customer data is encrypted as it travels from the user’s computer to your e-commerce site during the first step in any payment transaction. Most site owners don’t need to worry too much about the difference the important thing is to obtain an SSL or TLS certificate from a trusted hosting service. However, many industry insiders use the terms interchangeably, as SSL is more widely known among web users. TLS is the newer protocol, with stronger encryption algorithms. Two major protocols accomplish this encryption - Secure Sockets Layer (or SSL) and Transport Layer Security (or TLS). Websites protect payment information by encrypting the data before transmitting it.
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