The Merchant Can See our Credit Card Details?
Posted on May 15th, 2010 by admin
When we make a purchase online, can the merchant (payee) actually see our credit card details such as number, name and CVV(2)? I’m fell insecure if the merchant can see it.
This depends on how the merchant processes the transaction. Typically the merchant account will have a payment processing service linked to their merchant account, when you make a purchase online, you will be directed (often transparently) to the "gateway" where the card details are taken and the payment is processed – the merchant doesn’t ever get to see the details of your card. It is possible, tho not common, that the merchant can take your card details for later processing – if this is the case then its likely that the merchant will be storing your card details and then processing them through their offline channels such as virtual terminal or phone verification – this is perfectly legitimate but like I say, this is very uncommon particuarly in eCommerce where transactions are normally processed their and then, electronically through a secure merchant gateway.
Make sure that whenever you are paying online that you are in a secure environment – that means that the website address will begin https:// instead of http:// meaning that anything you type/submit is encrypted.
http://www.paymentsense.co.uk
May 15th, 2010 at 7:28 pm
This depends on how the merchant processes the transaction. Typically the merchant account will have a payment processing service linked to their merchant account, when you make a purchase online, you will be directed (often transparently) to the "gateway" where the card details are taken and the payment is processed – the merchant doesn’t ever get to see the details of your card. It is possible, tho not common, that the merchant can take your card details for later processing – if this is the case then its likely that the merchant will be storing your card details and then processing them through their offline channels such as virtual terminal or phone verification – this is perfectly legitimate but like I say, this is very uncommon particuarly in eCommerce where transactions are normally processed their and then, electronically through a secure merchant gateway.
Make sure that whenever you are paying online that you are in a secure environment – that means that the website address will begin https:// instead of http:// meaning that anything you type/submit is encrypted.
http://www.paymentsense.co.uk
References :
http://www.paymentsense.co.uk
May 15th, 2010 at 7:38 pm
No,not possible.
References :