Why updating passwords is not only required, but why they are important for PCI DSSv4

Assessing and strengthening password and authentication policies is one significant change in PCI DSS v4.  Not only are requirements more stringent, they also address securing remote access, a path used by many hackers to infiltrate systems in the past. Once v4 becomes the Standard, merchants must: Require multifactor authentication for all users accessing cardholder data.  In versions past, multifactor authentication was required only for administrators who access systems related to processing or cardholder data. The newer version will require multifactor authentication for any account that has access to cardholder data. Change user’s passwords at least every 12 months, and any time that a compromise is suspected. Require that passwords be at least…

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Ransomware is increasing!

Per the 2022 Verizon Data Breach Investigation Report shows that for a fifth consecutive year ransomware continues to grow upward with nearly 25% of all data breaches being done with ransomware. The report shows that ransomware has increased by 13%, a figure higher than the last 5 years combined. Ransomware is attaractive as hackers don’t need to be looking for specific data, but just cripple an organization’s daily operations. Small companies (10 or fewer employees) are being hit more as they often do not have the ability to invest large amounts of their money in cybersecurity. The most common way hackers gain access is through an employees desktop using malicious…

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Why Switch to ACC

Accept Credit Cards has been providing businesses with reliable and affordable payment processing solutions and superior customer service since 1988. Visit our website to learn more about how we can help your business grow! www.acceptcreditcardsus.com

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Accept Credit Cards Offers So Much More Than Just Low Rates

Accept Credit Cards is not your normal everyday merchant services provider. We provide so much more than just low rates for your card payments, we excel in providing you the best payment options for the way your business accepts payments along with the best in US based customer service. We can reprogram 90% of the current terminals in use by businesses today as well as integrate with a large number of CRMS. We sell PAX and Verifone terminals, and provide restaurant POS systems through Vivid, Dessert and Clover. We also offer virtual terminals through NMI and Authorize.net which can also provide your business with shopping carts for your business’s website…

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Who Doesn’t Like Dessert?

Accept Credit Cards is happy to announce that we can offer Dessert Restaurant POS. With Dessert you get the full flavor of a complete POS system for your restaurant without breaking the bank, and great US based customer service offered in English and Spanish. Call us at 800.476.5020 opt. 1 and learn how Accept Credit Cards and Dessert will have you craving this system to push your restaurant to the next level!#restaurant #possystems #creditcardprocessing #acceptcreditcards

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PCI DSS v4.0 is Here!

The big day is finally here – the Security Council is releasing the long-awaited PCI DSS v4.0 Standards. This means that businesses need to be on the lookout for this new update. The documentation will be rolled out over the next few months, beginning with the Summary of Changes document now, along with the Report on Compliance Template and Attestations of Compliance. The SAQs will follow in the coming weeks.Once the SAQs are released, they’ll be translated into several languages. The translated versions will be released between now and June 2022.While v4.0 is being released now, both versions will be available for a full two years, allowing merchants time to…

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Tax Season is Here and Time to Review Your Processing Statements for Savings

Tax Season is here and businesses need to start looking for ways to save money. The easiest way is review your merchant processing statement, in other words how your business accepts credit cards. Reviewing your statement every year allows you to see what your cost is to accept card payments for goods and services. While the rates may be low, you need to check for other monthly fees such as Quarterly dues, Annual fees, PCI Compliance fees, Security Fees, etc. Most of these fees are just ways for your processor to make more revenue off your account and do not really enhance your processing ability. Also, check out your equipment.…

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How to Prevent Friendly Fraud

Credit Card fraud is and always will be a concern for businesses. What many businesses may not know is how “Friendly Fraud” is now making up to 75% of all chargebacks. What is Friendly Fraud? The definition of Friendly Fraud, also known as first party fraud is defined as this by Fraud.net: “An actual consumer obtaining goods or services from a business, then claiming they did not make the purchase, did not receive the goods; the service was not completed or only received a fraction of the ordered items.” Though some Friendly Fraud is the result of forgetfulness, a family member making an unknown purchase, or simply not understanding of…

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Early Detection is Critical to Minimizing a Breach

PulseTV, the “As Seen on TV” retailer announced that they have been the victim of a breach. The breach started in November of 2019 and continued undetected until August of 2021. The breach was not discovered until November of 2021, by which time over 200,000 credit card records may have been exposed. In a notification letter sent by PulseTV to its customers, they stated that Visa contacted them on March 8, 2021, and said that they were a common point of purchase for fraudulent credit card use, and that their e-commerce website may have been breached. PulseTV checked their network for malware and reviewed their security settings. They found no…

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Companies Need to Optimize Their Online Payment Solutions

https://www.linkedin.com/pulse/companies-need-optimize-online-payment- Have you thought about how your business is actually getting paid? More specifically how your business is collecting payments online? Most businesses look at their online payment solutions as an afterthought. After all, the main goal is to sell and gain more customers. However, businesses really should look at how they are collecting payments online. A study in Europe (which traditional has been ahead of the US in updating online sales technology) found that 68% of business with online stores are investing in new or improving their payment technology. They see that how a customer pays is really the main touch point for gain resells and growth. If a…

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