Security notes for online card payments
Security procedures like Verified by Visa and MasterCard SecureCode, features such as the card verification number and initiatives like PCI certification maximise security in the processing of e-commerce and mail order payments.
A brief introduction to the various security procedures appears below.
B+S security procedures for e-commerce and mail order:
Verified by Visa (VbV) and MasterCard SecureCode (MSC)
The VbV (Visa) and MSC (MasterCard) security standards for credit card payments use an additional identification process to protect you against claims for chargebacks based on "transaction not completed/authorised by cardholder".
Card verification number (CVV)
For card not present environments, the card verification number is requested in addition to the credit card number. This increases security by verifying whether the purchaser is actually the cardholder.
B+S verification processes
Algorithm (Luhn check) for logical validation of the credit card number. For all debit payments, B+S verifies the bank sort code as well as its logical assignment to the account number.
PCI DSS for B+S e-payment software
Our e-payment software meets the requirements of credit card organisations as set out in the Payment Card Industry Data Security Standard (PCI DSS).
In addition, we offer further security features for specific types of e-payment software
- Threshold value checks based on number of sales and number of transactions
- Geo IP location (purchaser) enables any IP address to be matched to a geographical location when a purchase is made based on its number range or format.
- Country check (purchaser – country of delivery)