Payment cards. For questions about storing credit card numbers, see also pci-dss. For questions involving the physical object, see also smartcard (if the card has a chip).

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1answer
51 views

card.io & PCI DSS v3.0

I've researched for quite some time now, but I cannot find an answer to this question: If I touch card holder data in any way, I need PCI DSS v3.0 SAQ A-EP certification, which is quite complex to ...
0
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2answers
35 views

Library or service for rate limiting credit card transactions by IP [closed]

I have a simple product ordering form. A hacker is attempting to validate stolen credit card numbers by making two orders per minute with a bot. 99% of the orders are declined but some are ...
5
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3answers
146 views

Looking for credit card data and other PII in files

I'm looking for ways to check for the presence of credit-card data and other personally identifiable information in files on a network I'm testing. Currently i'm doing this manually with the usual ...
4
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2answers
106 views

Shop saves credit card data from guest orders

A web shop allows customers to order as guest or to create an account. I ordered as guest, entered my email address and the shipping address, and payed per credit card (I had to enter the security ...
3
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2answers
79 views

Credit Card Fraud Prevention - Why Aren't Simple Things Used?

I use my American Express card every day, sometimes multiple times. I do a mixture of card-present and card-not-present transactions. AMEX has decent fraud detection and I get notified quickly if ...
13
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3answers
749 views

Should I worry if my credit card payment processor's server allows only weak SSL cipher suites?

I tested their server using https://www.ssllabs.com/ssltest/ and, apart from the disappointing "B" rating (it handles financial transactions, after all), the server only allows the following two RC4 ...
2
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3answers
70 views

Businesses Handling Credit Cards via Email

I have done some I.T. contracting for a medium-sized Australian hotel recently. I am concerned about their credit card handling practices. Customers often email their CC number and expiry date in ...
35
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5answers
9k views

How does a website know if a certain creditcard number is wrong instantly

I was renewing my Internet subscription through the online portal of my ISP. What struck me was when I was entering my credit card details, I entered the type of my credit card (MasterCard, Visa, AA, ...
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1answer
81 views

How does SAQ A-EP apply in the situation where no I frames are used

I'm really disappointed in SAQ A-EP. I feel that as a web developer, there are just way too many questions that go over my head and I couldn't possibly know. I use primarily Stripe and Braintree in ...
3
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1answer
60 views

How to mask SEPA (IBAN and BIC) information correctly?

I'm currently developing a payment system where users can use SEPA-debit to pay for the service. The user has the ability to enter the data once and can then select the same payment method when making ...
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0answers
61 views

Proper credit card encryption for use in a blacklist

I have a general encryption question. I have read through many of the encryption related questions here and I can't find any specifically addressing my concern. This is the hypothetical scenario: I ...
0
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2answers
47 views

To which entity merchants must report credit card breach?

In the incident that a Marchand like Target or Home Depot, detects credit cards are breached, who they need to notify? Visa recommends informing the merchant bank, and/or Visa Incident Response ...
3
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2answers
299 views

Verifying credit card ownership

When a fraudulent credit card CNP (Card Not Present) transaction is made, merchant is liable for the chargeback. For that reason, our company implemented a policy where we ask a photo of customer's ...
0
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1answer
33 views

Viewing PCI data via 3rd party sites securely

I'm working on a project that requires PCI protected data (card PIN numbers) to be made visible to customers, via a Third Party (a non PCI compliant) company site. The hierarchy is as follows: Us ...
3
votes
1answer
243 views

visa gift cards untraceable?

I was in a retail store today, and these people were discussing how easy it is for people to use stolen credit cards, and buy those visa gift cards without being traced after they purchase the gift ...
1
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2answers
257 views

No HTTPS on Credit Card entry form - Can it be safe?

I was going to make a purchase on a website, but the page containing the credit card entry form is HTTP and not HTTPS. Is it definitely unsafe? The website advertises the use of "RapidSSL" but if I ...
0
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1answer
94 views

Lost CVV number automatically virus related?

If my credit card was used on Amazon, doesn't that mean someone has my cvv number? And would that mean I have a virus? Or is there another way they can get a CVV code off a credit card? I know it's ...
41
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8answers
5k views

What prevents web shop owners from misusing credit card data?

I don't own a credit card but read much about fraud with stolen credit cards. Since I don't own one, I don't know how you exactly buy online using your credit card, so please correct me, if I am wrong ...
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2answers
149 views

Does sending credit card info over email violates PCI DSS?

Being in the US, I have noticed that more and more companies ask to send sensitive credit card information (all information that is required to make a transaction) over a plain email. I believe that ...
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2answers
134 views

What is stored on a banking card and how is it protected?

I wonder what is the content of a basic banking card having a chip, the kind you use for payment in any store, with a PIN, possible bank authorization, such as Mastercard or Visa or national banking ...
1
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1answer
105 views

PCI DSS - Recorded Phone Conversations

I am using the using the following image from FishNet Security as a sort of guide for the data flow diagram required by PCI DSS as defined by: 1.1.3 Current diagram that shows all cardholder ...
1
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0answers
47 views

Telling the difference between a prepaid card and credit/debit card

In order to stop people abusing free trials, we can make sure new users are not reusing data from existing users and therefore not just signing up with a new account every month. It is reasonably ...
1
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0answers
58 views

Collecting Pre-Authorized Debit (PAD) & Credit Card (PACC) Agreements Electronically

I am looking for best practices regarding the collection of Pre-Authorized Debit (PAD) agreements electronically. The Canadian Payment Association only seems to provide the following statement ...
0
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1answer
111 views

How secure credit card order system with blank mail

I want to know how to secure credit card order with blank mail. My boss instructing to create new site like as below: 1) User send "Blank e-mail" to new site. 2) The site returns mail including ...
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3answers
100 views

Why do credit cards have chips, if I can purchase online without the chip being read?

Credit cards (and debit cards) are used in three different ways: In person + pin. The seller requires me to insert my card with the chip and input the PIN number to complete the transaction. In ...
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votes
2answers
588 views

Is storing CVV compliant with PCI standards?

From personal, job-related experience I know that many "Booking Engines" store the CVV info for customers' credit cards from the time a reservation is made until the time the guest leaves the hotel. ...
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1answer
41 views

credit card security suggested scenario

I need to know the best scenario for a merchant inserting client's credit cards and expiry dates to process recurring payment for these cards. What I have in mind (and want your expert suggestions ...
3
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2answers
130 views

PCI DSS - mask PAN and log individual access to PAN

How do you re-conciliate two PCI DSS requirements in applications: 3.3 Mask PAN when displayed (the first six and last four digits are the maximum number of digits to be displayed), such that only ...
2
votes
0answers
96 views

Which keys does a bank typically exchange with a card scheme?

I'm trying to understand the different EMV-related keys that are shared between a bank who issues EMV cards and a card scheme, such as Visa or MasterCard. I understand the bank would typically ...
3
votes
2answers
93 views

Dealing with credit card data that is not charged directly

I have a client who is a reseller for vacation packages. For years they've had a payment form on their site where the end user would fill out their credit card data and the information is emailed to ...
5
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2answers
98 views

Modifying credit cards to increase security

If I use a credit card only for chip&pin/EMV transactions and possibly for contactless transactions, I don't need the following parts of the card. magnetic stripe embossed numbers etc signature ...
4
votes
1answer
156 views

When does an Apple Pay token get converted to a real credit-card

Apple Pay says they store a Token on the phone and use it for transactions. Who issues this token? Who then converts this token to a real credit-card. Where is the mapping from token to real card ...
7
votes
2answers
2k views

Is it possible to clone an RFID/NFC card using a simple RFID reader, for future reuse and impersonation?

RFID/NFC technology is used in credit cards and many other personal identification applications. Is it possible/how easy is it to clone a card using a simple RFID reader? In other words, can the ...
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0answers
64 views

Using chip and pin credit card for authentication?

I'd like to use a chip and pin credit card for authentication, that is to register a card into a system and then use it to log in (for demo/entertainment purposes only so bulletproof security isn't ...
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2answers
57 views

Question regarding browser windows when integrating with 3rd party payment software

I've been told that when integrating with a 3rd party payment gateway, the other website's window should not be opened in an iFrame or a separate window - that the current application window itself ...
3
votes
1answer
182 views

Storing Credit Card Information on Mobile Phones

I've inherited the code-base for a legacy mobile app (both the native Android and native iOS version) and am running a security review on it, a few things stood out to me. The app allows a user to ...
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3answers
497 views

How does credit card authorization work

Few days ago I heard a professional scammer explaining how he exploits the banks, I cant find the right word to describe his actions, even the word scam does not fit as he is not breaking the law but ...
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2answers
60 views

In this instance, is code+security code really more secure than just a longer code?

On credit cards, the security code is printed on the back of the card (usually), on the premise that having a credit-card slip or photo of the front of the card won't allow you to use it fraudulently. ...
53
votes
10answers
14k views

Can I scratch off the magnetic strip off a debit card to only allow chip and PIN?

I have been robbed in the past by thieves using my HSBC Debit Card (issued by UAE branch) to purchase mobile phones and accessories by signing for the purchases. While the card has chip & PIN ...
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1answer
82 views

My app is asking for card details, but does not stores them. Do I need PCI compliance?

I plan to build an Android/iPhone app. The app will contain a few forms and status screens. One of the screens will ask the user for their card details. Once they'll click submit they'll be sent over ...
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3answers
225 views

NFC contactless payment security

This is really bugging me. Up until recently debit cards with an electronic chip were the most popular electronic form of payment available in Poland (I'd wager that in other European countries as ...
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votes
1answer
129 views

Is www.cheap-lingerine.com safe to use my credit card on? [closed]

I want to make sure my information is safe. This website is openly china-oriented but says to secure card information with Secure Sockets Layer technology (SSL) on those pages that involve sensitive ...
1
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2answers
104 views

Are input fields that don’t have name=“” sent via the browser [closed]

Are input fields that don’t have name attributes susceptible to MITM attacks (w/o SSL) or any other attack? For example: <form action="" method="post"> <label ...
0
votes
1answer
92 views

Credit card fraud preventions [duplicate]

Ok lets say some one have clone my debit card here in Greece all debit cards have and stripe and chip and lets say in a way he knows my pin and all my information and he put the info on a blank card ...
2
votes
1answer
154 views

Why recommend “letters, numbers, and special characters” in a User ID?

Why do some sites recommend "letters, numbers, and special characters" in a username or User ID? When creating a User ID at the www.discovercard.com website, the "User ID Strength" indicator meter ...
0
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2answers
124 views

Does changing credit card numbers provide better security over time?

I've always contacted my bank and credit card provider every year and simply asked to change my credit card number itself (and get a new card). They do so without a hassle and I feel more secure in ...
0
votes
1answer
566 views

What can a hacker do with a card number without CVV? [duplicate]

From my experience a card can not be used for online payment without a valid CVV, then why is it still always emphasized that card number must be protected? What can a hacker do, assume that he has ...
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2answers
73 views

pci compliance and temporary files

Does storing temporarily a non-encrypted file containing some PANs violate pci requirements? (for example because it is being processed by an application, or to open it on a file editor)
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2answers
68 views

Isnt the 3D secure system essentially completely ineffective in avoiding fraud?

3D secure is a system where, after you enter your credit card details on a merchants site, you are redirected to a site hosted on the bank servers where you enter a OTP sent via SMS to complete the ...
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2answers
143 views

How do credit cards with chip+pin securely allow recurring transactions?

In Europe most cards use a chip+pin system to secure the card information. You put the card in te machine and enter a PIN number to decrypt the card information which is stored on the chip. ...