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BluePay Blog

A Breakdown of CCPA, GDPR, HIPAA and Other Privacy Acts

Posted on Dec 19, 2019
As a business owner, you’re likely already aware of the PCI compliance rules governing payment data security. However, payment information isn’t the only thing worth protecting from fraud and abuse. In fact, there exists a host of data protection laws around the globe designed to safeguard sensitive personally identifiable information (PII). These privacy acts are becoming increasingly important given the speed and ease with which we send, receive, and store data in the digital world.
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Topics: E-Commerce and Online Payments, PCI Compliance and Fraud Prevention, Small Business Tips, Enterprise Business Tips, Consumer Education

Not So Innocent After All: Stories of 5 Child Hackers

Posted on Oct 22, 2019
“It’s a Good Life” is a classic “Twilight Zone” episode in which a kid can read minds and transform adults into anything he wishes. The basic plot makes for great science fiction — especially for 1960s sensibilities. However, there are modern-day corollaries that exist in the real world. Many children today, for example, have the ability to hold adults hostage. Yet instead of using telekinesis or some strange alien power, the primary weapons of choice are just ordinary 1s and 0s (e.g., binary code).
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Topics: PCI Compliance and Fraud Prevention, Fun Posts

What are Fileless Attacks? [6 Prevention Strategies]

Posted on Oct 17, 2018
Most phishing and malware scams follow a fairly predictable pattern:  Unsuspecting users click on suspicious links. In doing so, they unwittingly download a piece of malicious code. Once installed, that code takes over the users’ computers. The code’s creator then has unlimited access to the computers’ data. This type of malware is a very real threat, but because the malicious code is stored locally, most antivirus solutions and native security apps can detect the intrusion.
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Topics: PCI Compliance and Fraud Prevention, Small Business Tips

5 Ways 9/11 Changed the Way Businesses Operate

Posted on Sep 11, 2018
The attacks on Sept. 11, 2001 had a huge impact on the American economy. The most obvious changes affected the roughly 18,000 small businesses that were displaced or destroyed in Lower Manhattan.  Nearly 20 years later, the effects of 9/11 persist, and they’ve forever changed how companies operate in the new millennium.  Below are five of the biggest changes businesses have made in the post-9/11 economy.
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Topics: PCI Compliance and Fraud Prevention, Fun Posts

5 Best Practices for Identity Verification

Posted on Aug 20, 2018
Reaching a larger target audience online and creating lifelong customers is a game changer for small business owners like freelancers, startup founders, and even established brick-and-mortar retailers. Online payment technology has led to fast and convenient checkouts so customers enjoy a great experience with you.  However, there's just one problem -- and it's a big one: online identity fraud.
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Topics: Due.com Partner Posts, E-Commerce and Online Payments, PCI Compliance and Fraud Prevention

From Chip-and-Pin to Chip-and-Skin

Posted on Jun 25, 2018
Over the last few years, chip-and-PIN has been heralded as the gold standard in payment security. These EMV credit cards come with embedded chips that are next to impossible to clone. To initiate an in-store payment, customers must input a personal identification number (PIN) that only they know.  Additionally, mobile payments and wearable technologies continue to grow in popularity every year. In fact, experts predict that annual in-store sales generated through smart devices could exceed $500 billion by 2020 — in the United States alone. 
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Topics: EMV, Mobile Payments, Payment Technology, PCI Compliance and Fraud Prevention, Payment Trends

The Importance of AVS and CVV for Chargebacks

Posted on Mar 23, 2018
Whenever customers are unhappy with products or services, they can request a refund directly from you — the merchant.  This is usually an unpleasant experience, and retailers often go out of their way to avoid issuing refunds. The alternative, however, is much worse.  These dissatisfied customers also have the option of disputing purchases and initiating chargebacks through their banks. The banks then credit those users’ accounts before chasing you down for the outstanding balance. 
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Topics: EMV, E-Commerce and Online Payments, PCI Compliance and Fraud Prevention, Small Business Tips, Enterprise Business Tips, Getting Started with Payments

GDPR - What is It and How Does It Affect Me?

Posted on Mar 09, 2018
Set to go into effect in May, the General Data Protection Regulation (GDPR) is a new set of guidelines designed to safeguard how personal consumer information is captured, shared and stored by organizations throughout Europe. More specifically, the GDPR exists to:  “(H)armonize data privacy laws across Europe, to protect and empower all EU citizens data  privacy and to reshape the way organizations across the region approach data privacy.” 
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Topics: EMV, PCI Compliance and Fraud Prevention

What are the Different PCI Compliance Levels and How are They Determined?

Posted on Dec 19, 2017
If you accept payment (credit or debit) cards that have the logos of any of the primary members of the PCI SSC (PCI Security Standards Council), which includes Visa, Mastercard, American Express, Discover, and JCB, then you are considered a merchant. As a merchant, you must adhere to certain levels of compliance established by the PCI SSC to ensure the security of any payment or customer data you transmit, process or store. If you don't follow the requirements, you could face penalties, fines, and the inability to continue processing card payments. 
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Topics: Due.com Partner Posts, PCI Compliance and Fraud Prevention

Credit Cards vs. Debit Cards: Pros, Cons and Security Concerns

Posted on Dec 07, 2017
Debit and credit cards are both convenient forms of payment that shoppers often use interchangeably. However, there are crucial differences between these two types of plastic: 
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Topics: EMV, PCI Compliance and Fraud Prevention

Welcome to the BluePay Blog!

Whether you're a small business, an enterprise corporation, a financial institution, or a software partner, we have created a series of blog posts to help you and your customers, learn more about the complex nature of payments. Take a look to learn how payments can help to simplify your business operation, and may even help to grow your revenue.

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