Our affiliate compensation allows us to maintain an ad-free website and provide a free service to our readers. This can affect which services appear on our site and where we rank them. While we strive to keep our reviews as unbiased as possible, we do receive affiliate compensation through some of our links. Our mission is to help consumers make informed purchase decisions. Clarify all fees and contract details before signing a contract or finalizing your purchase. For the most accurate information, please ask your customer service representative. Pricing will vary based on various factors, including, but not limited to, the customer’s location, package chosen, added features and equipment, the purchaser’s credit score, etc. It’s only if you’ve built your own website that you’ll have to make sure your site is protected.ĭisclaimer: The information featured in this article is based on our best estimates of pricing, package details, contract stipulations, and service available at the time of writing. Most processing providers will offer some kind of online payment portal that is SSL certified. Use a payment gateway or payment page offered by your processing company.Buy SSL certification from a third-party seller.Build your website using a builder that offers SSL certification.If a site has a padlock that appears near its URL, it’s SSL certified.Ĭustomers who are aware of SSL like to see https in the URL as well as the padlock, so it’s smart to make sure your website has an SSL certificate. Another common symbol associated with SSL is the padlock. That certificate is essentially proof that the site is using SSL encryption. Website URLs that start with https have an SSL certificate. One way to tell a website is using SSL is to observe whether its URL starts with https. You’ve likely seen examples of SSL without even realizing it. SSL stands for secure sockets layer, a fancy phrase that refers to an internet security encryption protocol. SSL protocol is something that only affects businesses that sell their wares online. Most processors do just that, but it's always good to ask. The easiest course of action is to find a processor, like Square, that takes the burden of compliance. That’s why a business can order a free Square reader and immediately start processing cards without much fuss. Because of this, Square takes on most of the PCI burden. Luckily, most processing companies handle credit card processing, transaction history, and credit card detail storage for you.Ĭertain processing providers like Square, for example, don’t share detailed card and customer information with businesses directly. PCI compliance is complicated if your business handles it alone. Ask your processing provider how your business can uphold its end of the PCI compliance standard. While all legitimate processing providers are required to offer PCI compliant services, it’s still worth investigating the PCI standards for yourself, as any noncompliance can lead to legal action. Level 1: Over 6 million card transactions per year.Level 2: Between 1–6 million card transactions per year.Level 3: Between 20,000 to 1 million card transactions per year.Level 4: Less than 20,000 card transactions per year.There are four levels of business classification that the PCI assigns based on the number of transactions a business makes. The exact standards your business must follow depends on its size. These standards are detailed in a document called the Payment Card Industry Data Security Standard (PCI DSS). Any business that processes credit card payments must comply with PCI standards and practices.
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