Set Up a Secure E-Commerce Payment Application: Part 2

In part two of our two-part series on popular implementation paths for e-commerce, we discuss secure hosted payment pages.

 

“Simplicity is the ultimate sophistication.”  –Leonardo da Vinci

Sometimes the solution for a complex issue can be simple. In our previous blog post, we showed you how the TC Trustee API provides a secure environment for accepting payments and helps merchants reduce PCI DSS scope. It is easy to set up and seamless to the user. TC Trustee Host, hosted payment pages, offers similar benefits, but the path is a little simpler for the merchant.

The TC Trustee Host is a great option for small to medium businesses looking to implement a feature-rich online payment solution that can reduce PCI DSS compliance scope.  TrustCommerce’s solution enables businesses to accept credit card, debit card, and ACH payments from their online shopping cart, donations page, or other payment system with a simple integration process. It also supports one-time, recurring, and subscription payments.

Merchant Payment Solutions

Set Up a Secure E-Commerce Payment Application: Part 1

In this two-part series, we will talk about two popular payment acceptance paths for e-commerce: Embedded API for Direct Post, commonly referred to as transparent redirect, and hosted payment pages. We will look at how the solutions function and things to consider when selecting your preferred method.

Recently, I went to see the Space Shuttle Endeavour at the California Science Center. It is an impressive piece of history to see firsthand. I could not help but think of how often you hear, “This isn’t rocket science.” This actually was rocket science! The complexity and inner workings of this ship are incomprehensible to most of us, a little intimidating, yet awe-inspiring.

The good news is that setting up a secure e-commerce environment doesn’t have to be rocket science, although it may sound like it. Known in the industry as “transparent redirect” or “Embedded API with Direct Post”, TC Trustee API is an elegant e-commerce payment solution that lets merchants do what they do best—manage the web site, user experience and environment—but leave the payment acceptance and security to the experts.

An embedded feature of the merchant-hosted payment form, the TC Trustee API code posts financial transaction field data from the customer browser straight to the TC secure processing platform. It is easy to set up, requiring a small amount of code and basic programming skills.

TrustCommerce Featured in Transaction Trends Magazine

IRVINE, California, April 10, 2013 — TrustCommerce, leading provider of Point-to-Point Encryption (P2PE) payment solutions, is featured as an Industry Insider in Transaction Trends Magazine’s April 2013 issue. Read how TrustCommerce is transforming the payments industry by delivering flexible, feature-rich solutions with advanced payment security built-in. “…we don’t want to tell our customers how they…

TrustCommerce Welcomes New Referral Partner, DynaTouch

IRVINE, California, March 27, 2013 —TrustCommerce, leading provider of Point-to-Point Encryption (P2PE) payment solutions, welcomes new referral partner, DynaTouch. Leveraging more than 25 years of experience, DynaTouch is a pioneering developer and integrator of customized self-service kiosks.

Specializing in government, healthcare, human resources, and higher education, DynaTouch offers the following solutions and services:

  • Kiosk hardware, kiosk application and management software
  • Multimedia content design and production
  • Custom kiosk integration
  • Kiosk network and content management
  • Ongoing maintenance

Content Shelf Integrates with TrustCommerce for Payment Processing

IRVINE, California, March 12, 2013 — TrustCommerce, provider of comprehensive payment processing and risk management solutions, welcomes new integration partner, Content Shelf.

ContentShelf.com
is a PCI compliant e-commerce software provider. Their solutions are designed for digital content, subscriptions, and services, in addition to tangible products. Content Shelf supports single and recurring payments through TrustCommerce’s TC Citadel.

5 Ways Transit Embraces Electronic Payments

Transit and parking systems are making the move to electronic payments as they face tighter budgets, seek to operate more efficiently, and improve the customer experience. Moving from cash to electronic payments brings many benefits. In many cases, it can improve cash flow and is less expensive than collecting cash. Accepting electronic payments can also resolve other customer experience issues like these identified in a recent MasterCard study1:

  • 65% of US commuters who use cash to pay for mass transit worry about having the right amount to pay for their trip.
  • 36% were unable to take mass transit at some time because they did not have enough cash on hand.
  • 44% have missed a bus or train while waiting in line to purchase a ticket or add money to a fare card.

Take a look at 5 ways transit and parking industries are accepting electronic payments.

New to Electronic Payments? Start Here

Those new to electronic payment processing often ask, “Why do I need a payment gateway?” It’s a great question and this article will help explain.

In order to process electronic payments such as credit cards, debit cards, and ACH/electronic check payments, merchants work with payment gateways. A payment gateway sends the electronic payment data to a processor/acquiring bank that routes the payment securely to the issuing bank. A payment solution handles this complex workflow in mere seconds. An issuing bank maintains the consumer’s credit card account and pays out to a merchant’s account when the consumer makes a credit card purchase.

The gateway can be one piece of an overall payment solution. TrustCommerce payment solutions include gateway functionality, and much more.

Healthcare Kiosks Catch On

Seems like everywhere you turn, organizations are leveraging kiosks in retail environments. Healthcare is no exception. In a push to improve the patient experience, increase efficiency and reduce costs, implementing kiosks has become a natural choice.

TrustCommerce Strengthens Integration with Leading Patient Management System

IRVINE, California, February 4, 2013 — TrustCommerce, leading provider of Point-to-Point Encryption (P2PE) payment solutions, is pleased to announce integration with Epic 2012 for payment processing in Resolute, MyChart and Welcome.

TrustCommerce is dedicated to providing solutions that remove credit card data from provider environments and reduce PCI scope. Currently, TrustCommerce supports full end-to-end encryption with Epic Resolute and Welcome through the use of encrypted card swipes and encrypted key entry. In addition, TrustCommerce is the only payment solution that supports a transparent redirect model for the online MyChart product, ensuring sensitive cardholder data never enters the healthcare organization’s environment. Healthcare organizations can use tokenization within Epic 2012 MyChart and Welcome, dependent on the client’s overall system design.

Make Payment Security a Daily Priority

Merchant who store, process or transmit cardholder data, must be compliant with the PCI Data Security Standard. More often than not, PCI DSS Compliance is a starting point for protecting payments, not an achievement that can be crossed off a check list.

Headlines remind us of the ongoing risk of data compromise. A franchising company is the latest example. According to the company’s press release, an internal forensic investigation, launched after fraudulent activity was found on several payment cards that had been used at the company’s locations, identified suspicious files, including malware, on the licensees’ computer systems at 108 locations in 10 states. The franchising company is concerned that the suspicious files could indicate that an attacker(s) may have accessed data, including credit and debit card information. It is yet to be determined whether credit or debit card data was exposed.

To help you better understand how TrustCommerce’s security products could have helped prevent this “malware” attack, here are some key points.