Security & Fraud Protection

PCI-DSS Compliant

Denari Global Payment Solutions Inc. maintains compliance with the Payment Card Industry Data Security Standard (PCI-DSS). PCI-DDS determines the security requirements for accessing, transmitting and storing credit cards data which requires us to complete regular inspections, penetration tests and audits in order to be on Visa and MasterCard's global list of compliant service providers. To learn more about PCI-DSS compliance, click the button below.

Learn More about PCI-DSS

End-to-End Encryption

End-to-End Encryption E2EE (also known as Point-to-Point Encryption P2PE) protects card data during transit, from the entry at the merchant’s POS terminal, until the decryption point. By using this technology, credit card data is scrambled and unreadable until it reaches the holder of the encryption keys, making the secure information safe from unauthorized access. 


While standard encryption protects your customer’s card information, it does not provide coverage for the whole payment transit. By upgrading to End-to-End Encryption, you’re ensuring that customer’s financial information is safeguarded from unauthorized users throughout the transmission of the transaction.

Premium Data Security Package

While payment processors and acquirers provide standard security features on your merchant account and data that is stored, upgrading to the premium data security package is a small investment to protect against multiple sources of cyberattack and data breach risks such as viruses, spyware and other malware. 

Terminal Protection

Payment security and fraud protection starts at the point of payment, your terminal. We strongly encourage merchant to take extra precautions to help safeguard sensitive customer information. You can do this by setting strong password, different than the terminal defaults for:


Manager/Supervisor Passwords

  • Refunds
  • Manually Keyed Transactions
  • Batch Settlements

Employee passwords to unlock the terminal

  • Ideal for wireless terminals


While setting strong passwords certainly helps, you should also:


  • Install terminal software updates provided by your payment technology provider
  • Limit in-house access to your card data and passwords to a need-to-know basis
  • Regularly inspect terminals for signs of tampering
  • Train and encourage staff to report anyone who asks to "skim off" a cardholder's account data
    • To "skim or siphon off" is a fraudulent activity where special equipment is installed on or in the terminal machines the copies data on the card's account and magnetic stripe as well as can disclose the PIN. Signs of tampering are indicators the terminal has been compromised and may be used for skimming.
  • Do not accept tempting offers to use your account for depositing someone else's funds
  • Allow only the card's authorized signatory to use the card


These features help add a extra layer of security to protect merchants from physical terminal hacking and fraud. 

E-Commerce/Virtual Terminal/Card-not-Present

Transactions where the card is not present (CNP) at the time of sale have an increased risk of fraud as the customer is not present to verify using methods such as the chip and PIN or signature with valid photo ID. Gathering the additional customer information below as an added layer of protection for card-not-present transactions. Including the customer information below creates less risk of fraudulent transactions as the more information on the customer you can gather, the more likely it is to be an authentic transaction request. 

  • Billing name
  • Billing Address with Postal Code
  • Phone Number
  • CVV2 Code: 3-4 digits on card (typically on back of card beside signature space) 


Additional Security Features:

  • Address Verification Service (AVS)
  • Tokenization
  • Verified by Visa/MasterCode SecureCode
  • Hosted Checkout collects card data on secure server to help reduce PCI compliance requirements

Chargebacks

A Chargeback is when a cardholder creates a dispute on a transaction and asks the card issuer for a refund. 


Reasons a customer may file a chargeback are:

  • Did not authorize a payment
  • Don't recognize a credit card charge
  • Charged twice for an item or service
  • Did not receive their item
  • Item received is damaged or defective


Your acquirer will inform you if a customer files a chargeback. You can view and manage chargebacks via the online reporting tool. Claims resolution timeline on chargeback can take up to 30 days or longer to dispute.


There is a per Chargeback fee that applies to disputes, regardless of the outcome to cover costs. Additional fees may apply.