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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17
votes
3answers
881 views

What prevents people getting charged over NFC in crowded places?

I don't have an NFC-enabled device and I couldn't find any information about this in Google. What is it that protects me against an attacker with a portable NFC terminal charging payments by just ...
47
votes
4answers
12k views

Detecting skimmers and other ATM traps

This question has been bothering me ever since I first heard of ATM skimmers: Instances of skimming have been reported where the perpetrator has put a device over the card slot* of an ATM (...
0
votes
0answers
41 views

Hash function for credit card [duplicate]

Hey PCI and hash expert, What hash function is good for hashing credit card and providing collision resistance? Some context: We are building a tokenization service, so each credit card will have ...
4
votes
1answer
391 views

Credit card tokenization algorithm

Just curious, what is the common algorithm used to tokenize a user's credit card? I know lots service use PRNG (random number). Does it just re-gen a random number when there is a confliction? What ...
3
votes
2answers
814 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 ...
4
votes
4answers
4k views

Storing CVC / CVV / CVV2 until payment is processed

I need to store the payment info of a transaction. We have a script that reads which transactions haven't yet been sent to our ERP (the business management software), to then send it. This script ...
0
votes
1answer
87 views

Credit card aggregation based on open standards?

Lately, there have been a couple of projects which aim to replace all the credit cards in your wallet with a single smart device which will hold all of them, sync with your smartphone, etc. (Namely ...
4
votes
2answers
129 views

How to manually disable the no contact card?

New payment cards in my country are now delivered with the no-contact option that allows pay without putting the card in a machine. The fact is that these cards aren't secured because you can read ...
8
votes
4answers
791 views

When paying for something on line, is paying with a checking account less risky than paying with a credit card?

If I purchase something on line and am given the choice to pay with a checking account (also known as a current account) or a credit card, is the risk of my checking account data being stolen and used ...
158
votes
5answers
45k views

Why are chips safer than magnetic stripes?

After the recent Target hack there has been talk about moving from credit cards with magnetic stripes to cards with a chip. In what ways are chips safer than stripes?
1
vote
1answer
352 views

Is zinc.io PCI compliant (/does it need to be)?

zinc.io provides shopping API to programmatically purchase items on Amazon, Best Buy, and Walmart to name a few. A brief observation of its API tells us credit card information is definitely being ...
5
votes
2answers
265 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 ...
3
votes
2answers
159 views

EMV as authentication technology and not a data security technology

I'm trying to wrap my head around what I view as EMV chip card security loopholes. Here's what I'm told about EMV. If a transaction is being recorded maliciously by a third party, they will get your ...
4
votes
3answers
558 views

Storing credit card information for later manual processing

I am rebuilding a clients eCommerce site using Wordpress and WooCommerce as the framework. Their current eCommerce site takes the credit card information and stores it for later manual processing. To "...
0
votes
2answers
187 views

If I browse a website over HTTPS using a VPN, can the data be sniffed somehow?

I bought yesterday a flight from an American website. In my country, tickets are too expensive. Therefore, I used a IPVanish VPN to browse the airline website. It appears as if I visited it from New ...
7
votes
4answers
4k views

How can my bank debit card reader know that my pin is valid?

Why do ATMs accept any PIN? states that the ATM does not know my pin and the pin is not on the card as well. My bank has this system: It works in 5 stages: I enter my debit card number on the ...
1
vote
2answers
86 views

How is generating payment Tokens secure in Mobile development?

I'm using Stripe for in app payments in my mobile app project and I don't quite understand how any app is secure if the user inputs there card info (with or without stripe) if it's not over HTTPS the ...
1
vote
2answers
113 views

How does Stripe Checkout prevent phishing attacks?

The Stripe Checkout overlay (https://stripe.com/checkout) pops up within a site and does not show the associated URL. A malicious website could create its own overlay that looks like Stripe's, and ...
52
votes
6answers
6k views

Has a benefit been demonstrated for credit card machines asking for ZIP code?

In the U.S., many credit card machines at places like gas stations have started asking for your ZIP (postal) code to use a credit card ostensibly to help verify that you really are the cardholder, ...
3
votes
2answers
227 views

Does Visa Checkout have preventive measures against spoofing?

A few online merchants are offering special deals for using Visa Checkout, a payment service similar to PayPal, so I've been trying to learn something about it before signing up. When you are on a ...
1
vote
2answers
50 views

Is it PCI-compliant/kosher to send a credit card number to a 3rd party sever from a mobile client?

I am building a mobile app, and part of the the functionality of the app is to place an order with a 3rd party. The 3rd party server accepts a credit card number string. Can I build a mobile client to ...
0
votes
3answers
158 views

Why is using the chip in chip-cards required at manned points of sale?

Chip cards are more secure because they prevent cloning. Chip cards also have the magstripe for backward compatibility. In my recent experience at supermarkets in California, using the chip takes a ...
2
votes
2answers
421 views

How does a debit/credit card reader verify the PIN so quickly?

I understand that the associated PIN for a given card is not stored on the card itself in any way. So I am wondering then, when I use my cards how does it seem to be able to verify the PIN quite ...
3
votes
0answers
67 views

Add a supplementary credit transaction to improve online payment security?

An online company from which I regularly buy goods apparently recently upgraded their security policy. Let's say I bought something for 73,31€. As usual this company uses 3D-Secure for the checkout ...
3
votes
1answer
130 views

Is it ok from the viewpoint of PCI DSS to send credit card info to my own server which then directly sends it to PayPal?

Currently I'm developing an iOS application which has an option to pay an order (clothes cleaning) via scanning credit card info using device camera. I can't use Apple In-App Purchases (IAP) for this, ...
5
votes
3answers
189 views

My client needs credit card details emailed to them, will an encrypted file work?

I have a new client who is a reseller for vacation packages. They have multiple wholesalers, and my client is instructed by the wholesalers to sign into their wholesale account, and enter their ...
2
votes
2answers
141 views

Selfie as form of authentication for credit card transactions

I read in a news snippet on various sites (cnn for one), that one of the large credit card companies wants to implement some sort of authentication whereby credit card transactions are authenticated ...
0
votes
5answers
165 views

What steps should I take before using my credit card to buy something online?

I am a private computer user with an internet connection. Assuming that my connection is a standard land line (that I legally own, I'm not free loading) and that my computer is up to date on operating ...
6
votes
5answers
203 views

Can I show Credit Card Data to final customers and be PCI Compliant?

I work with reservation management syatems. In the hospitality industry there is the concept of credit card as guarantee. By it when making any kind of reservation you are asked for your credit card ...
3
votes
3answers
317 views

Credit card processing in mobile app over Stripe - PCI DSS compiant?

after reading a lot of PCI DSS stuff I'm still not sure whether it would be ok for us to use the following process in our app: Get full credit card data from attached card reader Tokenize it using ...
-1
votes
1answer
71 views

Magnetic stripe credit card [duplicate]

Do ATM in London accept magnetic stripe? If yes can a thief still duplicate a credit card and use it in an ATM which accepts magnetic stripes?
3
votes
1answer
76 views

concern about including credit card form in iframe using dynamically generated url

I'm looking at including a credit card form in a page via iFrame but the form app needs parameters passed from the AngularJS app in the parent page in order to complete the transaction. My concern is ...
1
vote
3answers
2k views

EMV credit card cloning: PIN code known by a malicious person

Could a credit card cloned (chip or magnetic band) if someone has it for a few seconds and knows the PIN code? If the PIN code is changed, can the cloned card still be used?
4
votes
1answer
3k views

How traceable is ATM and point-of-sale credit card use back to you in practice?

A friend said ATM use is traceable easily, while point-of-sale credit card use isn't - this statement goes against my common sense. I searched for the the topic and this is what I have found: ...
4
votes
3answers
191 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 ...
12
votes
3answers
13k views

What is the DUKPT Key Derivation Function?

I'm tasked with decrypting ciphertext acquired from an encrypted card reader. The card reader utilizes DUKPT(derived unique key per transaction) scheme and 3DES encryption. I don't have a problem with ...
8
votes
4answers
10k views

Is a 3 or 4 digit CVV enough for online transactions?

Background: The CVV/CVV2 number ("Card Verification Value") on a credit card or debit card is a 3 or 4 digit number printed on the card. It is 3 digits on VISA, MasterCard and Discover branded credit ...
6
votes
6answers
566 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 ...
2
votes
2answers
3k 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 served via HTTP and not HTTPS. Is it definitely unsafe? The website advertises the use of "RapidSSL"...
0
votes
1answer
270 views

Is PCI SAQ A or A-EP applicable for my use case?

I read the FAQ over here andI feel that we do not need to be PCI Compliance but I have read many other posts, articles etc which seem to contradict my assumption. So I was wondering if any of you guys ...
3
votes
2answers
1k views

Can expired credit card information be used for fraud?

I have encountered a situation where payment card (debit/credit) information, including name, number, expiration date, and cvc, is being saved by an organization unencrypted in excel spreadsheets on ...
2
votes
2answers
2k views

Is it secure to SMS your Credit card info (or other info) to someone else?

I am buying some products and have mostly communicated with the store via email. I am planning on paying by credit card, but the store doesn't have online billing. Normally, I would just phone the ...
4
votes
1answer
504 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 ...
2
votes
3answers
594 views

How can my bank issue a new credit card with the same pin number? [duplicate]

I live in France, and I have a debit card issued by my bank. When it expires, I receive a new one with the same pin number. I recently asked my banker to issue another card (a different one, for ...
2
votes
3answers
900 views

How can I protect my eCommerce site from stolen credit cards?

The case would be that someone with stolen credit card registers on my site, and uses the stolen credit card details to purchase services through my site. How can I protect my eCommerce site from ...
2
votes
0answers
247 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 ...
3
votes
1answer
267 views

Deleting credit card information after every transaction

There have been many reports of hackers compromising credit card information in the databases of online shopping websites. Will deleting my credit card information from my account after every ...
2
votes
1answer
233 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 ...
1
vote
0answers
34 views

Non-trad bus model: I pay suppliers directly with client CC info. Need to be able to securely collect and read info [closed]

I'm a home-based travel agent. It is against my contract with my host agency (and I think the law actually) to directly accept payment from clients. Instead, we use customer CC information to pay ...
1
vote
0answers
116 views

ASP.NET WCF security, javascript and handling sensitive information

I've come upon what I would call some "nasty" javascript coding (I come from a KnockoutJS / Angular / Web API 'world') in which WCF services are exposed to javascript by production URL's, i.e. "...