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Business Name Date

Business Name Date. Merchant e-Solutions (MeS) Overview. Started in 1999 Headquartered in Redwood City, CA. - operations center located in Spokane, WA - 200 US Employees Cielo – Largest Latin America processor – 1800 employees Won Stevie Award in 2012 for excellence in customer service

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Business Name Date

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  1. Business Name Date

  2. Merchant e-Solutions (MeS) Overview • Started in 1999 • Headquartered in Redwood City, CA. - operations center located in Spokane, WA - 200 US Employees • Cielo – Largest Latin America processor – 1800 employees • Won Stevie Award in 2012 for excellence in customer service • Innovative Technology and Proprietary Platform, Payment Gateway • Process 14 billion annually for 70,000 merchants • In 2012 57% of our business ecommerce customers • PCI Compliant

  3. Securing Card Acceptance • Securing the system • Securing the transaction

  4. Security Timeline • 2001 – Visa mandates CISP (Cardholder Information Security Program) • 2004 – In a joint effort – Visa/MC create industry standard PCI DSS (Payment Card Industry Data Security Standard) • 2006 – PCI Security Standards Council takes over all documentation efforts for PCI • 2008 – Acquirers must not board any non PCI compliant • 2010 – Acquirers must ensure existing merchants are using PCI compliant product and deactivate any non compliant products • 2013 – Chip cards Card Associations still responsible for mandating all rules

  5. CISP Mandates • Build and Maintain a Secure Network • Protect Cardholder Data • Maintain a Vulnerability Management Program • Implement Strong Access Control Measures • Regularly Monitor and Test Networks • Maintain an Information Security Policy

  6. Recent Statement Message Point-of-Sale Security Tips! When it comes to hackers stealing your information, it may be easy to think that will never happen to me. But you might be surprised to know that most attacks are directed against small companies and most can be prevented with a few small and relatively easy steps. 1) Change administrative passwords on all point-of-sale systems. Hackers scan the internet for easily guessable passwords. 2) Implement a firewall. 3) Avoid using computers with point-of-sale systems to browse the web. 4) Make sure the point-of-sale solution your business uses to process transactions meets Payment Card Industry (PCI) Data Security Standards (DSS). To confirm that third-party solutions are compliant, go to this link: www.usa.visa.com/download/merchants/cisp-list-of-pcidss-compliant-service-providers.pdf . Following these simple practices will help protect your business and your customers from credit card information security-related problems.

  7. Everyone Responsible for Compliance • Third Party Entities • Merchants • Acquirers and Processors • Cardholders

  8. PCI Validation Measures

  9. Compliance Basics

  10. Importance of PCI Compliance • Fines by Acquirer for Non Compliance • Card Association Fines • Breach Risks

  11. Importance of PCI Compliance • TJ Maxx – 45.7 mm cards exposed - $40mm fine • Aloha – unknown – retailers out of business • Citigroup -unknown • Heartland – 100 million cards exposed • Global Payments – unknown • Individual Cardholder Fraud

  12. Accepting the Card • Goal is to get paid and not pay a lot for it • Decrease chargebacks • Add enhanced value for recurring customers

  13. Fraud Tools • Swiping transaction and capturing signature • Clearing transaction in timely manner • Address Verification (AVS) – address and zip • Card Verification Value (CVV) • Verified by Visa • MasterCard Secure Code • Chip Cards (2013) • Validate Only • Judgment Call

  14. Non use of fraud measures • Result in higher interchange fees • Integrity Fees • Misuse Fees • Chargeback Potential Increases

  15. Example of Downgrade • Swiped/CNP Purchasing B2B • 2.40% plus $0.10 per item • Downgrades – Purchasing Standard • 2.95% plus $0.10 per item

  16. Example of Adding Enhancing Values • Swiped/CNP Purchasing B2B • 2.40% plus $0.10 per item • Downgrades – Purchasing Standard • 2.95% plus $0.10 per item • Purchasing Level 2 (adding customer code & sales tax) • 2.05% plus $0.10 per item • Purchasing Level 3 (adding line item detail) • 1.95% plus $0.10 per item

  17. Contacts Cheryl Hansen Davisware 847-426-6000 Ext 119 Angela Floyd Merchant e-Solutions 803-968-1635

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