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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3
votes
2answers
176 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 ...
4
votes
3answers
4k views

How can hotels securely receive your credit card details (for a custom, one-off payment)?

A hotel belonging to a large chain (400 hotels in 60 countries) has just requested me to send my credit card details via standard (unsecured) email. I have negotiated a deal for accommodation with ...
5
votes
4answers
2k views

Signature instead of PIN, Visa card

Most of the credit cards require PIN to authorize transaction. Recently upon a transaction the merchant required my signature and not my PIN. I understand this is another sort of authorizing the ...
3
votes
2answers
204 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 ...
14
votes
3answers
1k 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 ...
36
votes
5answers
12k 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, ...
2
votes
3answers
224 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 ...
74
votes
5answers
119k views

How does Amazon bill me without the CVC / CVV / CVV2?

The card in question is a VISA, if that's of any importance. I've noticed this only on Amazon. All other sites I've purchased something from, ever, have needed the CVC code for the card. However, I ...
3
votes
2answers
581 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 ...
0
votes
1answer
528 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 ...
7
votes
3answers
842 views

Credit card fraud prevention

The project that I am working on requires processing of credit cards. Is there any way to detect cloned/counterfeit cards? Are there any proven workarounds to prevent credit card fraud or misuse? We ...
6
votes
2answers
6k 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. ...
0
votes
2answers
253 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 ...
1
vote
1answer
2k views

What is the point to the IPEK in DUKPT?

I'm trying to understand the DUKPT (Derived Unique Key Per Transaction) system used for PIN devices, but I'm getting hung up on the IPEK. This blog post has an image where the sequence is: BDK (...
5
votes
1answer
1k 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 ...
3
votes
2answers
448 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
votes
1answer
49 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 >...
0
votes
1answer
369 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 ...
43
votes
8answers
6k 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 ...
48
votes
10answers
36k views

Can a steel woven wallet prevent RFID scanning of credit card information?

According to the Popular Mechanics article RFID Credit Cards and Theft: Tech Clinic, the fact that many new credit/debit cards have a RFID chip embedded on it, there is a risk (albeit, small according ...
0
votes
3answers
2k views

Is it PCI compliant to send credit card details to the server without saving them there?

Considering I use SSL the whole process. I have an IOS client that I want to use to enter the user's credit card details. I want to do the whole charging and processing on the server side, so I send ...
3
votes
1answer
335 views

Improving magnetic stripe card security with a “magnetic noise” hash?

I was reading the wiki on magnetic stripe cards when I stumbled across this sentence: "Magnetic stripe cloning can be detected by the implementation of magnetic card reader heads and firmware that can ...
2
votes
2answers
460 views

Would chip-and-PIN have prevented the Target breach?

Would chip-and-PIN have prevented the Target breach? As we all know, Target was breached and the hackers stole lots of credit card numbers. Target is now advocating for chip-and-PIN, as a way to ...
1
vote
1answer
507 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
vote
0answers
88 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 ...
9
votes
4answers
8k views

Make online payments anonymously? [closed]

Is there a service/company which allows you to make anonymous payments online ? This is how i want the service to work - Just like a credit/debit card. When you make the payment online, instead of ...
1
vote
0answers
95 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 ...
1
vote
2answers
1k views

When paying online with a credit card, what is “3D authentication” and is it reliable?

I tried making a purchase from http://www.laptop-batteries.ca/ but on the very last step the page reloaded with an error. A representative contacted me asking why I didn't complete the order and I ...
0
votes
1answer
133 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 URL,...
1
vote
3answers
224 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 ...
0
votes
1answer
75 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 ...
2
votes
0answers
230 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 ...
5
votes
2answers
151 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 ...
9
votes
2answers
17k 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 ...
8
votes
3answers
2k 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 ...
2
votes
2answers
87 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 ...
2
votes
2answers
82 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. ...
1
vote
1answer
125 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 ...
-6
votes
1answer
154 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 ...
2
votes
2answers
159 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 for="credit_card_number"&...
0
votes
1answer
141 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 ...
3
votes
1answer
370 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 ...
1
vote
2answers
683 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 ...
1
vote
1answer
281 views

I left my debit card unattended — how exposed am I?

I yesterday visited a restaurant I usually visit, but it seems that after paying with my debit card, I accidentally left it there. Today (almost 24 hours later) I had realized that I didn't have it ...
0
votes
1answer
1k 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 ...
1
vote
2answers
174 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)
4
votes
2answers
373 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. ...
1
vote
2answers
264 views

What Can I Do While I'm Waiting for “Chip and Pin” Credit Cards?

For the second time in 8 weeks, one of my American Express (AMEX) card numbers was stolen. I do use the card online, but only at reputable (and SSL/TLS enabled sites). I use it in the real world, ...
3
votes
1answer
375 views

EMV(Chip) Cards - What's the point of having the chip card communicating directly to the authorising server? & Clarification of CDA in EMV

Ok I understand from my research that the Chip Card creates an AC Key(MasterKey+AccNumber) to communicate with the authorizing server securely (3DES key to have encrypted communication) but I don't ...
2
votes
2answers
191 views

What's the point of EMV when only the card is needed to shop online? [duplicate]

In many countries, EMV is used to prevent credit and debit cards being cloned. But given that it's possible to perform online transactions using the details printed on the card, how does it add ...