| Data privacy |
| Data protection |
| Secure payment |
| Payment card |
| Epay Security |
The electronic payment processing security, and the customer data security, are important issues both for the customers and the Web site owners.
To choose a reliable secure solution for credit card and debit card transactions, you must considered the following issues: the risks attached to card processing for the website owner; international or national credit card processing, the functions required. Then you must make a choice between internal payment processing or third party card processing solution providers.
What are the risks attached to card processing?
There are two main risks for you, the website owner:
Credit card fraud in an issue both for the web site owner and the credit card owner. The reality of this risk varies of course following the product or service that you sell and following the type of clients. Business to business web sites and business to consumer web sites are not the same model.
The second risk that you must consider is the theft of loss of customer data and the responsibility involved.
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International or local payment card processing
First, you need to build a check list and answer each question on the list. Question one should be:
Do you need to process international payment cards or are you mainly dealing with local, regional or national customers?
If your Web site is primarily dealing with local, regional or national customers, then make a search on the main Internet search engines or use our Search page to find out what are the preferred payment systems of your local, regional or national customers.
Do you target worldwide customers? Then, when listing your solutions, you must take into account the most well known solution providers for credit card and bank card processing, and those who accept the largest choice of credit cards and currencies.
Whatever the payment system, the customers and visitors data privacy and confidentiality protection is a must. The data privacy issue implies data protection against intrusion and any kind of piracy.
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Products or services offered
The requirements of the products or services that you intend to sell on-line must be considered carefully: which e-commerce or e-business functions are required? What are the risks for you, website owner? A smart questioning is a key for success.
ecommerce functions required
Some products require specific functions for billing, delivery or sale processing.
As an example, information or software offered for download may require an immediate execution of the download process or a specific follow up by email.
If you sell subscriptions or web hosting, you may need an automated recursive billing and payment process.
If you sell complex services, you may need an e-business solution involving a full back-end processing before payment processing.
So, build your requirements before to begin looking for a solution provider.
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Internal payment processing or third party processing
Do you want to take the risk of processing the credit cards on you own web site? If you decide so, you will need to set up a fully secure solution for the processing and eventual storage of credit cards numbers. If not, you need to find a provider who does the card processing for you.
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- Next article: Third party credit card processing
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