PCI Compliance
Payment Card Industry (PCI) compliance is a complex and ever evolving subject affecting millions of businesses – acquiring banks, Independent Sales Organizations (ISOs), processors, hosts, shopping carts, e-commerce and retail merchants and other merchant services providers. And the Transit industry is certainly not an exception as your business continues to evolve with more agencies striving to move toward less cash handling in the system and integrate online access to products and services. MasterCard and VISA continue to update the requirements and move toward stricter enforcement of compliance through fines and other methods. Part of the basic foundation of a Clearinghouse solution is laying the proper architecture to achieve and maintain PCI compliance, as well as being PCI-DSS or PA-DSS certified. Lumenor has the expertise in the Transit industry of navigating the front end planning for PCI compliance meets the current level of compliance mandated by credit card providers.
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With Lumenor PCI compliance service, we can start with an analysis of your infrasturcutre, analyze the weak spots in your system and provide you with recommendations to correct the probelms. For large scale implementations we can help with information gathering, assist in writing Request for Proposals to any number of qualified vendors, oversee the vendor review process, and ultimately provide guidance in vendor selection and implementation. We can provide you with the knowledge and the support necessary to navigate your way through the process of passing a PCI or PA-DSS audit.
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Some of the key areas of focus for PCI compliance:
- Usage and proper storage of credit card numbers
- Firewall configurations
- PCI compliant database architectures
- Record retention schedules and data archiving
- Payment processing and reconciliation
- Processes for online report viewing and immediate notification of chargebacks
- Pre-authorization charges for directed loads and subscriptions
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How Lumenor Can Help?
Lumenor will assist and work with you in every step of the way including performing a complete system assessment, identifying gaps, propose alternatives to mitigate risks, guide you in achieving compliance.
Achieving PCI compliance can be complex and daunting. Lumenor is here to help and can serve to supplement your existing staff, by providing a core program team comprised of project management, business process, technology architecture, business analysis, and enterprise architecture skills. We take a very hands-on and proactive approach to your program, operating from the belief that proper planning and understanding can reduce costly rework and minimize negative impacts.
