Mobile Payment Security: PCI Compliance and You, the Merchant

Dec 20, 2013

The mobile app world is reaching beyond time-wasters at work and fitness tracking apps for the healthy-minded individual. We at recognize the power of apps is now entering the world of commercial retail as consumers now have apps that enable them to make credit payments using their iPhones, tablets, and Androids. As a merchant, it’s vital to offer as many forms of convenient payment to your customers as possible. However, all of the new apps and mobile devices require equally developed security procedures to ensure your offered payment methods are PCI compliant.

Why Is It Important To Secure Mobile Payments?

The current generation of mobile devices has severely limited security regarding payment acceptance. The reality is the responsibility to ensure secure payment belongs to multiple parties in the mobile app world. The customer, the merchant, and the payment servers must all be equally secure and encrypted in order to guarantee credit card safety and customer confidence. The team at cannot emphasize enough the importance of securing mobile payment devices and ensuring they are PCI compliant is vital to your business if you want to offer your customers mobile payment methods.

Point of Interaction (POI) Devices

Mobile devices have no guarantee of having been constructed with the paramount emphasis being placed on security. If you as a merchant want to use a mobile payment method device for POI you need to be absolutely sure it has secure input for storing cardholder data. This means it will need to have encryption in order to secure cardholder information and data. Your POI device must be approved and PCI compliant as a PIN entry device or as an approved secure card reader for accepting credit card payment processing from mobile devices.

How to Acquire a PCI-compliant POI Device advises small business owners to expand their payment capabilities to include mobile payment methods to partner with a provider of a PCI-validated device. The easiest way to ensure your compliance is to utilize a POI device that is confirmed to be compliant beforehand. If a device is known to use the appropriate PCI SSC security methods your card readings and data input will be secured and ready to be processed with the utmost confidence for the consumer.

Safeguarding your customers’ cardholder information may seem mundane and ordinary to a business owner but if your business is struck by a security breach you will be out of business and facing financial complications of dire consequences. advocates responsible and secure businesses to make sure all of their POI devices are PCI SSC compliant to ensure a business that operates smoothly and without security concerns.


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Having a merchant account allows an account holder to take advantage of merchant cash advances. When a merchant is approved for an advance, the business agrees to receive a lump sum of cash in exchange for an agreed-upon percentage of future credit card sales.

Pricing varies depending on the merchant’s industry, past credit card processing history, the type of business seeking the account, average ticket sales, and average transaction volumes.

Yes, EMB works with merchants who are building their credit, as well as those who have poor credit. EMB also approves merchants that have no credit card processing history and businesses that have lost their merchant accounts due to high chargebacks.

Several factors influence a merchant’s risk level. Though only one factor likely will not get a merchant classified as high risk, a combination of these may: business size, location, and industry, credit score, credit card processing history, a industry’s reputation for excessive chargebacks, a prior history of high chargeback ratios, and whether a merchant exclusively sells online.

Virtual terminals are stationed on a merchant’s website, making it easy for customers to make a payment or purchase online. Merchants or a payment processor can easily set up virtual terminals, so online businesses can accept credit and debit card and e-check transactions.

A merchant account is a business account with an acquiring bank. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. Businesses need a merchant account to accept major credit cards via a static point-of-sale terminal, mobile card reader, or through a virtual payment gateway.

After filling out EMB’s simple online application and submitting any necessary, requested documents, many merchants get approved within 24 and 48 hours.

EMB specializes in working with high-risk merchants. EMB works with many merchants, including but not limited to businesses in these industries: gambling and gaming, adult entertainment, nutraceuticals, vaping and e-cigarettes, electronics, tech support, travel, high-end furniture, weight loss programs, calling cards, e-books and software, and telecommunications.

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