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April 16, 2013

As everyone knows- When you set your clocks back is when you are supposed to check the batteries in your smoke detectors.  This is to make sure that periodically homeowners pay attention to the little detail of fresh batteries to ensure that when you NEED the smoke detector to work- it will.

Every spring I would like to propose that in addition to changing the batteries in your smoke detectors- to also take the time to check your online assets.  Specifically your revenue generating assets.  For those that have them, that is!

If you still aren’t following, here we go-Payment_Gateway_Integration

If you have an e-commerce website- a site that collects or processes payment information for your business, then this tip is for you.

This applies for sites, services, apps, or portals where you have your banking info recorded, or collect payment info for products or services you offer your customers.  Payment gateways like PowerPay, Authorize.Net, PayPal, TransFirst….. yadda yadda- there are many!

At a minimum we suggest that you:

  1. Change your Passwords to the login areas just because you cannot be too careful
  2. Verify that you are accepting the credit and debit cards (Visa, Mastercard, Discover, Amex, etc) that you wish to accept
  3. Review your processor settings for AVS (Address Verification).  AVS is a Visa service to combat fraudulent activity for non-face-to-face transactions by cross-referencing the cardholder’s address information with the card issuer’s records.Because AVS only verifies the numeric portion of the address, certain anomalies like apartment numbers can cause false declines; however, it is reported to be a rare occurrence.AVS verifies the numeric portions of a cardholder’s billing address. For example, if the address is 101 Main Street, Highland, CA 92346, in the United States, AVS will check 101 and 92346. Sometimes AVS checks additional digits such as an apartment number, other times it does not. Cardholders may receive false negatives, or partial declines for AVS from e-commerce verification systems, which may require manual overrides, voice authorization, or reprogramming of the AVS entries by the card issuing bank.For more info on AVS, check with your specific Payment service provider or visit http://en.wikipedia.org/wiki/Address_Verification_System

Just by performing these 3 simple and painless checks you will:

  • Be more secure
  • Provide a better service to your customers
  • Reduce potential fraudulent transactions of your products and services

That way, the revenue you earn, is money to buy some bling! Or re-invest in your business, hire more staff or enhance your website.  But that is another blog post.

Happy Spring!

 

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 2.0 Generic License.

References

http://www.superwebzone.com/payment-gateway-integration.html – Merchant Processing graphic

http://en.wikipedia.org/wiki/Address_Verification_System  – What is AVS

In addition to being a partner at Sephone, a Bangor, Maine-based web solutions provider, Joe is a father of two and active in little league, soccer, hockey and gymnastics. By being active is meant 'a proud supporter'. Skiing, reading and movies are his hobbies.

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