Requirements and Recommendations

What You Can And Must Do To Stay Secure

Merchants must follow specific data security requirements in order to accept MasterCard cards. MasterCard Worldwide rules and recommendations apply to all transactions—whether they occur in a store, online, or over the phone.

MAKE SURE YOUR SYSTEMS ARE SECURE

The systems you use to accept MasterCard payment cards in your store or business must comply with industry mandated security requirements:

Store and transmit payment card data properly. MasterCard requires issuers, acquirers, retailers, and third party processors to comply with the Payment Card Industry (PCI) Data Security Standard.

Entities handling payment card can work to achieve compliance with the PCI Data Security Standard using the MasterCard Site Data Protection™ Program. This program applies to merchants and service providers that process, transmit or store cardholder data. Through the network scanning requirement, MasterCard Site Data Protection is also designed to protect against the compromise of account data. Remember that your acquirer should be closely monitoring your compliance with the PCI Data Security Standard.

PCI Data Security Standard and The MasterCard Site Data Protection Program

BE FRAUD SAVVY

The following are descriptions of different types of card fraud:

  • Altered/Counterfeit Cards
  • Lost/Stolen Card
  • Mail Order/Phone Fraud

Learn More About Fraud Types

Millions of dollars are lost each year due to fraudulent use of payment cards. You can help protect your business from this costly crime by:

  • Incorporating fraud prevention into employee training sessions
  • Posting fraud prevention reminders and materials near registers and in employee areas
  • Offering rewards or incentives for employees who prevent a fraudulent transaction

Whether you are starting to accept cards or just need a refresher on security procedures and best practices, the following document outlines steps, checklists, and tools to help protect your business.

Be On the Lookout for Card Fraud (PDF)

STAY ABREAST OF NEW DEVELOPMENTS

MasterCard continues to develop new ways to protect your bottom line. Stay up-to-date on the latest security programs and techniques and payment card enhancements.

Quick Payment Service (QPS)

If your business depends on moving customers quickly through check-out, you can benefit from QPS.

MasterCard PayPass

With MasterCard PayPass, consumers speed through check-out with a simple tap, rather than a swipe or a dip of their card.

Chip Technology

Payment cards containing chips are more powerful than traditional magnetic stripe cards because they contain tiny computers that make transactions safer

Internet Protocols (IP) and Wireless technologies

IP communications and wireless technologies are provide fast, flexible, low cost solutions to connect point-of-sale terminals to networks and acquirers.

Learn more about MasterCard Product Security Advancements

Learn More About the Security Initiatives for Wireless and IP enabled POS Terminals

UNDERSTANDING MALWARE

Learn more

MAKING REMOTE SHOPPING MORE SECURE

For online shoppers, MasterCard offers OneSMART® Authentication, a chip-based solution that uses a card reader to generate one-time passwords for highly secure shopping over the Internet. The same approach can be used to secure mail or telephone order payments, and remote banking transactions.

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