Secure Payment Processing

Accept payments safely and securely with EMV technology and PCI DSS Compliance.

The EMV–enabled payment card has successfully reduced face-to-face fraud worldwide – and is now making its way into your customers’ wallets.

EMV is a fraud-reducing technology that can help protect issuers, merchants, and consumers against losses from using counterfeit and lost or stolen payment cards at the point of sale. EMV cards are embedded with a microprocessor or smart chip that interacts with the merchant’s point-of-sale device to ensure that the payment card is valid and with the use of a PIN that belongs to the person using the card. This kind of chip technology adds layers of security against fraud and is virtually impossible to duplicate.

Businesses are now required to be PCI-compliant to accept card payments.

PCI DSS Compliance

The Payment Card Industry Data Security Standard (PCI DSS) is a set of security standards designed to ensure that ALL companies that accept, process, store, or transmit credit card information maintain a secure environment. The Payment Card Industry Security Standards Council (PCI SSC) was launched on September 7, 2006, to manage the ongoing evolution of the Payment Card Industry (PCI) security standards, focusing on improving payment account security throughout the transaction process. The PCI DSS is administered and managed by the PCI SSC (www.pcisecuritystandards.org), an independent body created by the major payment card brands (Visa, MasterCard, American Express, Discover, and JCB.). It is important to note that the payment brands and acquirers are responsible for enforcing compliance, not the PCI council. The PCI DSS regulations apply to ANY organization that accepts, manages, transmits, or stores any cardholder data regardless of size or number of transactions.

Why EMV Technology?

EMV stands for Europay, Mastercard, and Visa. EMV is a global standard for cards with computer chips and the technology used to authenticate chip-card transactions. Due to numerous large-scale data breaches and increasing rates of counterfeit card fraud, U.S. card issuers have migrated to this new technology to protect consumers and reduce fraud costs. EMV is the best technology for authenticating credit and debit cards and cardholders. It makes the card virtually impossible to duplicate and reduces the risk of accepting counterfeit cards. Chip-enabled payment terminals also accept stripe cards, and contactless, manual, and present card payments, allowing you to make all your payment transactions on one device, avoiding financial liability for card theft. We provide the highest level of security to protect your business and clients against fraud.

Unlike magnetic stripe cards, EMV chip cards send data that changes with each transaction. EMV chip cards transmit a variable algorithm with each transaction, making the data more secure than the static data on magnetic stripe cards.

Ensure you’ve taken all the necessary steps to avoid potential liability costs from fraudulent non-EMV transactions—Trust Dynamics Payments to make your payment transactions safer.

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