Why Become PCI Compliant?

PCI DSS Compliance is an industry-mandated payment security standard that applies to all businesses that handle, process or store credit cards. It details how such data should be handled, stored, transmitted, and protected.

If a merchant is breached, and it is found that said breach occurred due to failure to abide by PCI DSS, they can be fined (size of fine depends on size of breach).

To become PCI Compliant, a merchant is required to implement controls according to the standard, then submit their systems to an PCI audit. The scope and associated costs of the entire process depends on how involved the merchant is with the card data. Reduce the merchant's involvement, and responsibility under PCI will be be reduced as well.

The PCI DSS in its entirety can be found at https://www.pcisecuritystandards.org/.

PCI Compliance with Admeris

Many merchants wish to make the customer shopping experience easy, especially for repeat customers. A common feature offered is a 'stored profile' that a customer can access with an account login, allowing the customer to save preferences and payment method data.

However, when a merchant stores or handles sensitive data such as credit card numbers, they are subject to far more of the PCI DSS rules than a merchant who does not store that data. The cost to implement and certify the merchant's website can be prohibitive.

Admeris Secure Profile Storage allows you to keep and use sensitve data - without it even entering your system. That way you can eliminate the PCI compliant storage problem altogether.

Real-Time Risk Assessment

Admeris' dynamic, real-time risk assessment system reduces fraud by ensuring that purchases by your customers are in fact legitimate.

Techniques used in online card-not-present fraud are becoming more and more sophisticated. Basic risk-management tools can only determine if a credit card is legitimate or if the user-entered account information matches that stored on record. However, with the rise of identity theft, fraudsters are more likely to be able to pose as the legitimate card holder and bypass standard fraud checks.

Instead of simply verifying the authenticity of the credit card information used for the purchase, our fraud screening identifies if the purchaser is the legitimate cardholder.

Using traits and patterns that are associated with fraudulent orders, we can provide e-commerce businesses with the necessary information to detect fraudulent orders before the payment is even processed.