
Credit card tokenization is the process of completely removing sensitive data from a company’s internal network by replacing it with a randomly generated, unique placeholder called a token. For instance, if a card number was 1234 5678 8765 4321, it would end up looking something like E67TY8GQ27X. This token is used to access, retrieve, and …

Credit card encryption is a set of security measures put into place that drastically reduces the chances of private and valuable card information being subject to theft, which include the card itself, the terminal where the card is scanned, and the transmission of information between that terminal and its system’s back end. This is done …

Address Verification is a very important step in any card-not-present sale. Whenever you accept a card without physically seeing the card, you inherently run a much higher risk of accepting a fraudulent card. As a merchant, you want to do everything in your power to reduce that risk. There are no guarantees, but using the …

EMV, otherwise known as Chip Cards, are the new payment technology adopted by the card associations. You’ll also hear it called “Chip and Pin” or “Chip and Signature” – but not matter the moniker, it’s important that all in-person merchants accept EMV transactions.

It’s a reasonable question – and a good one to ask. Consider credit cards like any other form of payment. All payment forms carry an inherent risk. Someone can pay you by check, but the check can bounce. You can accept cash, but your store can be broken into or your safe can be stolen. …

Time is of the essence – be sure to void/refund all impacted sales, and enable all fraud filters in Authorize.net.

Chargebacks and retrievals are both related to customer disputes of a credit card transaction. A retrieval takes places when a customer’s issuing bank formally requests specific information from you, the merchant or us, the acquiring bank. Retrievals are $5 each. They’re relatively rare, but often times a retrieval will come in the form of an invoice request, …

Your account parameters define your merchant account with Dharma. We have to build a “profile” for your business, so that we can look out for anomalies like fraud, accidental processing, and theft. It’s important that we understand how your business operates, so that we can spot trends or patterns in your processing that may indicate …

The best practice you can have is to always be vigilant with your credit card transactions. Just like you protect your cash, protect your credit card sales! Review daily transactions, don’t allow orders or sales for fishy-smelling deals and protect sensitive information.

International orders can really help boost sales and donations, but they carry higher inherent risks. To help avoid being the victim of fraud, we recommend shipping products outside of the US only once you have vetted the cardholder and verified their address. Below are some best practices for your organization to follow when accepting international …