The Payment Card Industry Data Security Standard (PCI DSS) outlines the security regulations for any merchant that accepts credit card payments. There are different regulations for any card payment implementation,…
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MOTO payments, or Mail Order/Telephone Order payments, are a type of card-not-present credit or debit card transaction. MOTO payment processing is especially common among mortgage and utility providers, although many…
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Omni-channel payments bring together all of a merchant’s transactions – across all of their sales channels – on a single platform. Whether customers buy online, in a retail store, at…
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If you’re currently doing business on just one sales channel (for instance, in a brick-and-mortar store or online), it can seem easiest to find a payment processing solution that’s designed…
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EMV technology has made credit card payments much more secure. Storing cardholder data on an embedded chip (rather than a magnetic stripe) has proven highly effective in reducing counterfeit fraud.…
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Texting – it’s not just for teenagers! Text to pay billing allows sellers to send SMS invoices with a clickable payment link. Customers can enter their credit card information on…
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The order-to-cash cycle seems straightforward. Create an invoice, send to customer, get paid…right? Not so fast. According to one recent study, nearly half of the 400 billion invoices that US-based…
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For most merchants, more sales channels translates to more sales. Giving buyers the option to buy when and where they’re ready is advantageous in today’s competitive environment. However, even as…
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When it comes to IBM i modernization (and specifically, the potential for integrated payment processing), there are quite a few misconceptions as to what can and cannot be done on…
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As integrated payments become a “must-have” rather than a “nice-to-have”, more merchants are working to embed the credit card processing function into their existing applications. This allows for faster transaction…
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The numbers are in, and it’s not looking good: last month’s successful cyberattack on MGM Resorts in Las Vegas cost the company an estimated $100 million. Even though the resort…
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As more merchants embrace mobile payments, it’s become more and more important to accept non-card-based payment methods, such as Apple Pay and Google Pay. At Curbstone, we’re responding to that…
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In today's digital world, merchants have no shortage of payment processing platforms to choose from. Whether you operate an online store, a brick-and-mortar shop, or do business across multiple channels,…
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Virtual terminal payments are a secure way to electronically process credit or debit card transactions for sales made over the phone or by mail. For card-not-present transactions, where the cardholder…
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Online invoicing is a popular time-saver for both companies and customers. Merchants don’t have to print out a paper-based invoice, locate the customer’s physical address, and send it out into…
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In the security world, segmentation is a common strategy for protecting sensitive data from unauthorized access and reducing PCI scope. In simple terms, it involves keeping any parts of a…
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Think fast: are small businesses or large businesses better targets for hackers? At first thought, large businesses may seem like the logical answer. After all, they have more financial resources…
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Many manufacturers are surprised to learn that their industry is one of the top targets for security threats. Retail? With the amount of credit card data being passed back and…
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When it comes to security, retailers have their hands full. Not only do they have to protect their own companies from data breaches (think stolen passwords or ransomware), but they…
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This summer, Verizon released the 2023 Data Breach Investigation Report. They analyzed 16,312 security incidents - 5,199 of which were confirmed data breaches – that took place between November 2021…
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