Security continues to rank as one of the highest priorities online users consider when making a purchase. To that end, merchants need to safeguard their customer information to prevent any unintended access and sharing by cyber criminals or rogue employees.
Recent security breaches have shown that even companies that meet the industry security requirements to become PCI Compliant can be compromised. New threats are always emerging and merchants are struggling to stay ahead of hackers.
Braintree offers merchants a cutting edge secure solution for both managing customer sensitive data and processing credit cards. Using tokenization technology, merchants can remove all credit card data and sensitive customer information from passing through or being stored in their environment – without compromising the user experience or losing control over the functionality of the data.
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Secure Transmission of Credit Cards
Braintree’s system is unique because the credit card data and other sensitive customer information never enters a merchant environment. Merchants retain full control over the user experience. No third party hosted pages are used.
Secure Storage of Credit Cards
The sensitive credit card information is converted into tokens and stored in our PCI Compliant Vault. Merchants can store these tokens on their own systems and use them just like the full credit card data. The only difference is the tokens are worthless to criminals if stolen.
When a payment is accepted, the credit card information is stored in the Vault and a unique “token” is returned to the merchant. Tokens can be used just like a credit card including future sales, refunds, voids, credits, reporting and reconciliation. There is no change to the user experience. Best of all – if stolen, a merchant’s unique tokens are useless to criminals.
PCI Compliance is an industry-mandated security requirement for any business that “handles, processes, stores, or transmits credit card data.” There are 12 core requirements that break out into nearly 225 individual controls, and meeting all of those controls is an expensive and time-consuming proposition.
With Braintree, merchants are immediately able to reduce the number of required controls from 225 to less than 20.
Our solutions reduce the scope of PCI Compliance and make achieving and maintaining compliance faster, more economical and less of a distraction. Merchants are finding that using Braintree is the smart approach to PCI Compliance and data security.
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