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Fraud
Protection
Compliance with the card association security programs is not only required, it makes good sense. Protecting your cardholder data means protecting your customers from fraud and maintaining a sound business reputation - two critical components of success in today's marketplace.
Visa and MasterCard have mandatory data security programs, while Discover and American Express have optional programs.
These programs include self-assessment questionnaires, network perimeter scans, reports on compliance, and, in some cases, on-site reviews. Completing this process on an ongoing basis can be time-consuming and costly. That's why our partners have partnered with security consultant Ambiron to provide our merchants with Vital Signs, a Multi-Card Compliance Program.
Vital Signs helps you attain and maintain compliance with all the card association data security programs in a single process, at a cost-effective price. Benefits include:
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Reduced potential exposure to financial loss due to fraud
Adhering to the data security regulations can significantly reduce your exposure to fraud losses resulting from the theft of cardholder data.
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Increased consumer confidence
Compliance with the programs can lead to enhanced consumer confidence, which can result in higher sales
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Avoidance of possible sanctions from the card associations
In addition to fines, under card association operating regulations, some merchants may face liability or suspension of settlement if they are non-compliant with the card association data security programs.
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Safe Harbor
Any merchant who is the victim of security compromise, but was compliant under the CISP/AIS/SDP programs and is deemed CISP/AIS/SDP compliant after the post forensic investigation (by a Visa/MasterCard approved Qualified Incident Response Assessor), will be granted "Safe Harbor" from any penalties, fees or fines from Visa or MasterCard.
Learn more about the card association data security programs:
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