Staying Secure

As a merchant, you are at the center of payment card transactions so it is imperative that you use standard security procedures and technologies to thwart theft of cardholder data.

More than 234 million records with sensitive information have been breached since January 2005, according to Privacy Rights Clearinghouse.org. As a merchant, you are at the center of payment card transactions so it is imperative that you use standard security procedures and technologies to thwart theft of cardholder data.

Merchant based vulnerabilities may appear almost anywhere in the card-processing ecosystem including point-of-sale devices, personal computers or servers; wireless hotspots or web shopping applications; in paper-based storage systems; and unsecured transmission of cardholder data to service providers.

Compliance with the Payment Card Industry (PCI) Data Security Standard (DSS) helps to alleviate these vulnerabilities and protect cardholder data.

TransNational will ensure that your business is properly operating under the specified guidelines of PCI, using only PCI certified POS systems or devices, and provide ultimate protection to your business and it’s customers. Do not expose your business to unnecessary risks by letting an inexperienced processor handle your transactions, we can help!

PCI Compliance FAQ’s

PCI Security Standards Council Quick Guide PDF

Fighting Fraud

Arming you with knowledge…..Fraud is out there. And although we’re making great strides to stop the majority of fraudulent activity, you may encounter it. Certain customer behavior could point to bankcard fraud. But remember, it doesn’t necessarily indicate criminal activity – you know your customers, so let your instincts steer you in the right direction.

Watch out for customers who:

  • Purchase a lot of merchandise without regard to size, style, color, or price.
  • Ask no questions on major purchases.
  • Try to distract or rush you during the sale.
  • Make purchase, leave the store, and return to make more purchases
  • Make large purchase right at opening or at the last minute when the store is closing.
  • Refuse free delivery for large items.

Should you be confronted with it, there are several effective steps you can take to minimize or completely eliminate your exposure to fraud. If you see signs that make you suspicious:

  • Hold on to the customer’s card if you think you can do so safely.
  • Follow your company’s procedures and notify your supervisor.
  • Call your voice authorization center and request a “Code 10” authorization, using a normal tone of voice.  An operator will tell you what to do.

Reporting Fraud

Sometimes fraud happens even with strong preventive measures in place. Keep contact information for reporting fraud easily accessible, and make sure your employees know how to use it.

Whom to Contact

If a fraudulent transaction occurs, contact the following for assistance:

  • Your bank or payment processor
  • Your legal counsel
  • Your local police department or U.S. Secret Service office


TransNational Payments
9550 W. Higgins Road • 8th Floor • Rosemont, IL 60018
Tel: 888.998.6224 

TransNational Payments is a registered ISO of BMO Harris Bank NA and Wells Fargo Bank N.A.,
Walnut Creek, CA