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5 Tips to Enable Your Mobile Device to Accept Credit Cards

· Java Zone

Microservices! They are everywhere, or at least, the term is. When should you use a microservice architecture? What factors should be considered when making that decision? Do the benefits outweigh the costs? Why is everyone so excited about them, anyway?  Brought to you in partnership with IBM.

When it comes to payments, plastic is going to be replaced by smart phones. Mobile wallets are becoming increasingly popular as they can store reward accounts and loyalty cards too. However, do these 5 things before using your mobile device to accept credit card payments. It will help secure the device and cardholder data.

  1. Make sure point-to-point encryption(P2PE) is available – If your point-to-point encryption is validated, then it will ensure that before entering the smartphone, the cardholder data is encrypted and reaches the solution provider for the P2PE without changing form. This assures the user that the credit card is being used safely. Till now there are no such P2PE validated solutions.

  2. Check recommendations given by card brand and payment processor – A payment processor is required to use mobile devices to accept credit card payments. You must always check the guidelines, recommendations and ready-to-use solutions that such processors offer. Also check the recommendations that card brands offer for accepting mobile payments.

  3. Use safe and speedy mobile devices for accepting mobile payments – The points to be considered here are:

    1. Ensure the mobile device is neither jail-broken nor rooted

    2. The operating systems latest version should be present

    3. Install applications from trusted and known sources only

    4. Install an anti-virus or anti-malware app.

  4. Do not store card data – Some applications related to mobile payment acceptance have a feature that allows it to store card data on the mobile. This is helpful if no service is unavailable as the data can be sent as soon as a connection is available. However, this is not safe as the longer the data lingers on the device the more than chances of it being compromised. To stay safe, always undo the option that says ‘store and forward’ on the application of payment acceptance.

  5. Lock the mobile device – One of the most important things to do which is also often over looked is to lock the device at all times. If your device is stolen without a pass code then its security gets compromised. Also avoid common and easy-to-guess PINs such 1111, 0000 or 1234.

Simply remember these 5 points and make safe and secure payments with your mobile device.

Discover how the Watson team is further developing SDKs in Java, Node.js, Python, iOS, and Android to access these services and make programming easy. Brought to you in partnership with IBM.

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