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How Does it Work?

  • The customer places an order with their credit card directly through your web site shopping cart or as entered manually from your virtual terminal.
  • QuickCommerce is sent authorization request and securely sends request to Customer's Credit Card Issuer to verify card and if funds are available.
  • Approval or Decline response sent back to QuickCommerce in a secure, encrypted format.
  • With approved credit card transaction, you can fulfill your customer's order.
  • Merchant sends settlement request (batch) to QuickCommerce and QuickCommerce settles batch with Merchant's account provider (Merchant Advisors).
  • Merchant sends settlement request (batch) to QuickCommerce and QuickCommerce settles batch with Merchant's account provider (Merchant Advisors).

Why is Payment Card Industry (PCI) Compliance important to you?The PCI Standard is a mandatory global standard established by the Card Associations to ensure the protection of cardholder data. Based on twelve guidelines, the PCI Standard requires merchants to make their physical and virtual environments secure to ensure protection of cardholder data.

As a merchant accepting credit cards as a form of payment, you are required by the Card Associations to adhere to the PCI Standard. The PCI standard encompasses the security programs from Visa and MasterCard.

The PCI standard sets technology requirements such as:

  • The use of data encryption
  • End-user access control; activity monitoring and logging.

It also includes procedural mandates, such as the need to implement formal and documented security policies and vulnerability-management programs.

Compliance with the standard applies to all types of merchants, retail, mo/to, and Internet. All merchants need to follow best practices for storage and destruction of all paper or electronic records containing account numbers or cardholder data.

Importance of PCI Standard Compliance and/or Certification:It is clear that ensuring the safety of your customers' cardholder information can help your business strive to create and maintain a positive image, enhance customer confidence and even assist in improving your bottom line.

Additional benefits include:

  • Reduced exposure to fraud losses resulting from the theft of cardholder data
  • Enhanced consumer confidence, which can result in higher sales
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