Securing VT transactions

Learn about securing virtual terminal transactions for your business.

To ensure that your virtual terminal transactions are secure, you must understand the following:

• Limited authentication: Virtual terminal transactions don’t require authentication, as their transactions take place over a phone call, email, or mail order. To enhance your security, you can add an Address Verification Service (AVS) check to your payment process.

• Understand chargebacks: Chargebacks occur when customers dispute a transaction and request a refund from their issuing bank. Virtual terminals are prone to a high risk of chargebacks when compared to Payment Links. Ensure you implement Strong Customer Authentication (SCA) to minimize chargebacks.

• Data breaches: Virtual terminal transactions often involve the exchange of sensitive information, such as credit card details, personal data, and transaction history. By implementing robust security measures, securing your payment systems, and staying updated on the latest security practices, you can help prevent data breaches and protect your customers' confidential information.

• PCI compliance: PCI sets strict security standards for handling cardholder data, to protect against unauthorized access. To minimize risk, your business must be PCI-compliant.