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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2answers
69 views

Comprimising or affecting card readers, billing systems, or POS terminals using a malicious card

Our company got a new card printer for employee IDs. It was a bit expensive and we had to undergo a background as it allowed us to print both mag strips and EMV chips. I don't understand enough about ...
5
votes
2answers
135 views

Can I repair a cut-through credit card?

On many cards there's the instruction to, if found, cut it in two pieces and mail them to some address. I'm wondering a bit about the security of this and if I could recover some data. It's not ...
0
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1answer
37 views

How to export application metrics out of PCI environment

I am building a credit card tokenization/payment-processing service. As these services need sit in pci-compliant environment, I find it hard to export the application metrics & logs. Anyone knows ...
2
votes
1answer
67 views

Router as MITM to steal data

I was reading a blog post about ATM skimming and the following quote (at the end of the article) caught my eye: Ivanov allegedly used two devices — a router to steal the bank data of customers ...
0
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1answer
43 views

PCI-DSS compliance in scope if part of card number and expiry stored only? [duplicate]

If we were to store the following information about a credit card, would we need to be PCI-DSS compliance or are we out of scope? Please assume for the purposes of this question that we only store ...
2
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0answers
27 views

Algorithm to generate (and verify) string of 4 quad alpha numeric code

I am writing a system, for which I need to generate unique transaction numbers (which can be verified by myself). I want to use something similar to that used by credit cards, where a string of the ...
8
votes
1answer
80 views

Is CVV calculated or merely assigned?

Is the 3-digit (4-digit for those acolytes of standardization, American Express!) CVV/CSV/CVC calculated from card number and expiration date, or is it merely assigned? I know that once when I got a ...
1
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3answers
117 views

Isn't 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 ...
2
votes
3answers
139 views

Emailing debit card details to a guesthouse

I'm trying to arrange a holiday out to the Aran Islands, and the guesthouse emailed me back confirming that they do have a room available. But here is the catch: they want me to email my credit card ...
3
votes
2answers
135 views

How to not store the card during 3D Secure authentication, to be PCI DSS compliant?

I'm implementing a payment solution where the cardholder enters his card details on our own website. We need to use 3D Secure for extra authentication of the cardholder. Our payment gateway ...
15
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4answers
18k views

Is it standard practice to ask a customer to send a photo of their credit card to confirm their identity?

My friend ordered clothes from a clothing site and was asked to send a picture of her credit card. Is it standard practice to ask a customer to send a photo of their credit card to confirm their ...
4
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1answer
75 views

Wiping magnetic stripe on card with magnet?

I asked a question a while back on using magnets (for example powerful Neodymium ones) to wipe a HDD, and got shown a good article proving it is not possible to wipe data. Pretend I am about to ...
5
votes
3answers
298 views

Reading magnetic stripe on a credit/debit card with an EMV chip

Is there any way of knowing is a credit/debit card has an EMV Chip, by reading the magnetic stripe. This way I could deny the payment via magnetic stripe and ask to the customer to insert the card via ...
0
votes
1answer
84 views

Unauthorized credit card payment

I have a debit card which links to my savings account in a let's call it Bank A. I had never used it for online purchases/transactions (not even interbank transfer). After a while, I purchased virtual ...
3
votes
1answer
724 views

Is it OK to generate a token for a credit card without the user's permission? Is that PCI compliant?

Is it PCI compliant to generate a token for every card used for processing, regardless of whether the client asked for his card to be saved or not?
4
votes
5answers
3k views

Is it ok to cut some digits from the front-face of a credit/debit card?

I'm a European expat living in Asia. I usually hide my credit card at my apartment. However, I'm a bit scared about losing it when I carry it (wallet robbed or lost). That's why I already scrubbed ...
5
votes
2answers
9k views

Are 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 ...
9
votes
1answer
180 views

How do EMV contactless cards protect against replay attacks?

I understand that standard RFID cards are vulnerable to replay attacks however, how do smart cards which are also contactless protect against replay attacks? Is this decided by the chip or by the ...
0
votes
1answer
63 views

What's the best way to test if an RFID blocking wallet is effective? [closed]

I was recently gifted a wallet that alleges to block RFID signals. As I am sure you fine folks at Information Security are aware, this is to protect the information stored on my contactless bank card ...
9
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2answers
2k views

What are the security implications of my credit card number being known by someone else? [duplicate]

I am new to the credit card world. What are the security threats or possibilities, if someone knows my credit/debit card no. Will he be able to misuse it or will he require any additional information ...
4
votes
2answers
76 views

Does EMV protect against sniffing PAN data from untrusted network?

I have received conflicting information in regards to the security of PAN data on the wire. Can this be sniffed with properly configured EMV at an atm? To quote from the link below: ...
4
votes
0answers
38 views

Major UK company seems to be handling customer & card data recklessly [duplicate]

A company I used to work for is passing customer's personal details as well as card data (number, expiration date, name, CVV2 and the contents of the magstripe thanks to a reader) through Windows XP ...
47
votes
5answers
25k views

What's the impact of disclosing the front-face of a credit or debit card?

There are quite a few cases where people are called out for disclosing the front-face of a credit or debit card (e.g. this tweet from Brian Krebs or this twitter account). So I was wondering what the ...
5
votes
2answers
1k 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 ...
2
votes
4answers
77 views

Is knowing someone's card expiration date a means of finding info about them?

Card as in debit or credit cards. I heard that even showing someone your debit/CC can be considered an exploit not because of the number or name, but because of the date of expiration. He said that ...
3
votes
3answers
186 views

Creditcard store first six digits PCI reference

I need to store masked PAN with first six digits and last four digits along with the card expiry month and year. Is it safe to do it according to the PCI rules? Regarding four digits has been ...
1
vote
1answer
61 views

Is it dangerous to have a credit card payment page without authentication?

The client wants a payment page that anyone can browse to, put in their information and id from a previous registration, and make a payment. The problem is that the id is from a different system and I ...
16
votes
5answers
1k 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 ...
2
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3answers
82 views

Reporting Credit Card Thieves

Someone is using a client's commerce site to check the validity of lots of credit cards. After dropping IP addresses based on usage whoever is behind it throttled their requests down to 1 request ...
0
votes
5answers
318 views

Is it safe to tell credit card number to bank employee over a phone?

Recently, I got a new credit card via post. To activate it, it is required to call to the bank (phone number is attached to the card) and confirm, that card was received. For activation purposes, the ...
5
votes
3answers
822 views

Cardholder data segmentation for PCI compliance (3.2)

We are currently collecting card holder data in a segmented way. Our system is used by call center agants which I will refer to as channel B Over channel A (mobile carrier) we collect the first 8 ...
17
votes
3answers
863 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 ...
46
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
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0answers
39 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
275 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 ...
1
vote
2answers
3k 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 ...
3
votes
2answers
714 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 ...
3
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
86 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 ...
3
votes
2answers
104 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
788 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 ...
3
votes
0answers
126 views

Clone debit or credit card

I would like to make some workshop about Debit or Credit card fraud (Skimming). So I need as much as possible information about it. Is it possible to clone debit or credit card with MagStripe reader ...
156
votes
5answers
43k 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
322 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
245 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 ...
2
votes
2answers
120 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 ...
63
votes
10answers
24k 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 ...
4
votes
3answers
6k views

Is it safe to auto-fill credit card numbers using Chrome?

Is it safe to auto fill credit card numbers using Chrome? Does it safely store the credit card information? As far as my understanding goes, it just shows asterisk values but on click it reveals the ...
4
votes
3answers
454 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
177 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 ...