Secure Trading Pci Compliance

Making sure that your business passes restaurant point of sale credit card PCI security audit

Security rules on credit cards for restaurants

The credit card industry came down hard on many restaurants that have not fully protected their customers’ credit card information from potential theft, with Visa, MasterCard and financial institutions that process electronic payment over recent months sending warnings letters and holding seminars. Moves like this aims at forcing restaurants to take additional steps to protect credit card information.

According to companies that process card transactions, there are still tens of thousands of eateries that do not comply with the set of security rules of the credit card industry.  Any company that takes plastic is required to follow a set of security regulations instituted by Visa, MasterCard, American Express and Discover.

In the data recorded by Visa indicates that since January of 2005, around 40% of the incident wherein criminals gain unauthorized access to credit card info is made up of restaurants — accounting for the largest percentage of incidents for a merchant category.

Separately, there are reports from a Chicago-based data security auditor, AmbironTrustWave, for merchants that with the 62% security violations it witnessed during the prior 18 months are with the restaurant industry.

These violations includes various security lapses such as wireless networks that are poorly guarded — which enable thieves to access information from the parking lot using a laptop — as well as the lack of strictness to their systems that make it possible for unethical employees to grab credit card information.

Mostly, consumers are not aware when their credit card info is in danger. Although, not all security breaches are successful, and most merchants do not recognize these these incidents unless there’s a significant probability that a major fraud has already been identified or about to take place. Also, companies that issues credit cards don’t usually close a customer’s account except if fraud has taken place.

Restaurant owners may have a rough time with credit card security rules, since its regulations can be very hard for small sized businesses. Hearing from the restaurant owners who thought they complied with rules, the National Restaurant Association trade group found out their systems were not functioning properly and were penalized.

Over $100,000, in some cases, is the fine for restaurants that violated credit card industry rules by storing credit card information. Merchants across all categories $4.6 million for security violations were fined by Visa in 2006, an increase from the $3.4 million in fines the previous year.

Visa, believes a merchant group needs additional attention, held special security briefings with several hundred restaurants.

During the same time, companies that process credit card transactions are also turning up the heat on restaurants. These companiesthreatened those who do not follow security regulations that they will end their services.

Since most restaurants uses software combining such features as tabulating bills, delivering orders to the kitchen and tracking reservations, credit card companies are worried because they cannot command software makers to abide by their security rules, so the pressure it passed on to restaurants. Visa maintains a list on its Web site of software programs that meet its requirements.

But software developers that even with the best software, restaurants could be in trouble if they have a weak password protection or firewalls. For software companies, they say that it’s not their part to let restaurateurs know what they must do to be in compliance with credit card rules.

About the Author

The author of this article writes for POS-For-Restaurants.com, a VP of Customer Relations with over 20 years experience in restaurant point of sale system, helping restaurant owners nationwide increase their efficiency and bottom-line profits.

You may visit POS-For-Restaurants.com for more information on how our national network of restaurant point of sale experts can help your business achieve greater success in these difficult economic times.

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