What are consumers most concerned about when they make a card payment?

If you have strong credit processing software, your business may feel prepared for shopper-intensive seasons. However, there are specific reasons consumers might decide to use their credit cards for their own benefit. Once you take a closer look, you may realize that your current POS system isn't actually PCI compliant or the right method for your customer base.

For example: Are you expecting travelers from other countries at your in-store locations? Wise Bread recently featured an article on the best methods for using credit cards during travel, and businesses that pay attention to them could know something about how their clientele are likely to spend. Some of these recommendations include credit, not debit, and avoid cards that carry fees for foreign transactions.

Another trend to be aware of is the way EMV cards are used around the world. While Americans may criticize this form of payment, it has been more normalized in other countries. Last year, ZDNet noted that the U.S. shifted to embrace this format relatively late compared to other nations, such as European countries and Australia.

Finally, security continues to be a major concern. Even the advances of the EMV card movement haven't removed all of the possible hazards. Engadget recently reported on a possible way hackers could obtain cash by illegally siphoning consumer data to an ATM from a terminal after either "shimming" or "skimming" the card in question.

One of CreditLine's key features is its focus on security. It both meets Payment Card Industry Security Standards Council requirements and uses tokens to avoid information storage hazards. CreditLine can be efficient in the long run as well, by reducing unnecessary charges and fees. Contact 911 Software to learn more about the advantages of this program.

PCI software standards can change with each version.

Without the right card data systems, following PCI council mandates may be increasingly challenging for merchants. The changing rules can force businesses to take greater steps to stay compliant. A solution that comes pre-built with effective security safeguards can be necessary for better customer data security.

Moxie's Nikhil Govindaraj commented on the tighter PCI requirements in a recent Forbes article. Since the standards are constantly evolving, he writes, companies need to prepare for long-term changes and establish a future-focus strategy. Completing a PCI audit successfully once doesn't ensure that future efforts will be just as successful.

As such, merchants have to invest in software that's both appropriate now and could help them prepare for later audits. Getting into the rhythm of the different versions can be part of the process of certification.

This April, CTO Troy Leach said that the previous version of the PCI DSS, 3.1, will expire on the last day of October. According to Leach, it was important for companies to meet compliance as soon as possible.

Doing so doesn't just satisfy the current standards, but also helps put merchants in the cycle of deadlines throughout the years, possibly ahead of their competition. What's more, the standards apply to any company that accepts, processes and receives payments, as a related press release stated.

Using 911 Software's payment processing options, merchants can dramatically improve compliance by using modern techniques like tokenization. This practice allows users to interact with card information while still avoiding the dangers of data exposure. Storing information is a potentially tricky area for merchants that aren't familiar with PCI standards.

You can read more about CreditLine's tokenization methods here. You can also contact 911 Software to get product information or software support.

Clothing chain Eddie Bauer announced a recent retail breach.

Clothing chain Eddie Bauer is reacting to malware activity at its shops this year. According to a recent statement, hundreds of locations were recently subjected to a POS malware attack that put some customer data in danger. The size of the attack is significant, since it reportedly encompassed every one of the brand's Canadian and U.S. stores.

In the official press release, company CEO Mike Egeck said that Eddie Bauer will attempt to improve POS security in the wake of this attack. The action reportedly affected in-store data only and not cards used to make online purchases. The company is trying to notify compromised customers and will grant identity protection to shoppers who may have been impacted.

"The security of our customers' information is a top priority for Eddie Bauer," Egeck said. "We have been working closely with the FBI, cyber security experts, and payment card organizations, and want to assure our customers that we have fully identified and contained the incident and that no customers will be responsible for any fraudulent charges to their accounts," he added. The breach may affect customers who used their payment cards at Eddie Bauer stores between Jan. 2 and July 17, 2016.

In recent years, retail cybersecurity breaches have often garnered attention. A Target database hack in 2013 led to a several million dollars in settlements last year, according to CNN Money. One of these was for $67 million with Visa.

With credit card POS software that meets modern security standards, POS businesses can make an effort to meet new threats. Contact 911 Software for more information on our credit card payment processor solutions. Better programs and reliable support are both necessary for keeping up with customer expectations in the changing world of retail.

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Grocery stores can pay attention to  new technological trends as they evolve.

Like many retail businesses, grocery chains can win customers over by providing a satisfying checkout experience. With a reliable POS card processing system at their core, businesses can stay efficient and focus specifically on their goals as current trends evolve. Progressive Grocer recently looked at the rise of the grocery store chain Wegmans Food Markets and what it has done right to stay in business for 100 years.

While it has a relatively modest range, with stores in only six eastern and northeastern states, PG argued that the chain has been "raising the food retailing bar" for both customers and employees. The source attributed this to a number of factors: good company culture, a "rock-solid" foundation, innovation and the guiding hand of family CEO Danny Wegman were all mentioned.

For others in the same business, Wegmans' success may be a sign of what to focus on in the future. Danny Wegman recently spoke to the Richmond Times-Dispatch about the way the company has responded to change.

"I think the traditional supermarket business is changing and, in fact, we believe that so much that our store will certainly be quite different from anybody's in the market," Wegman said. "Because we believe that people will want us to do more and more. And that's why we make a lot of meals in our stores for our customers."

Being open to new changes can involve choosing the right payment card processors. With adaptable solutions, businesses can work on their own expansion and try to maximize customer satisfaction. Strengthening the POS can be a tall order but ultimately worth it if the outcome is a better industry presence. Use 911 Software for help with meeting new demands.

Respect the trust credit card users are putting in your payment systems.

Recognizing customer concerns can help businesses see the real impacts of improving their credit card POS software. We may no longer be in the midst of the Great Recession, but shoppers may still be generally worried about overspending and afraid to use their cards in stores where their payment data might get stolen. On the merchant's side, the answer could be implementing verified software that meets industry standards.

While many users may be reluctant to spend too much, specifically with their cards, Millennials (those currently between 18 and 34 years old) are particularly wary, according to NerdWallet. That source said that 31 percent of this group of adults haven't ever applied for credit cards, and that those with low scores are usually more likely to seek out new cards.

This caution around even getting a card to begin with comes with clear pros and cons for the consumer. Though they avoid debt in the short term, they miss out on opportunities to improve their credit in the long term.

With optimal card processing options, businesses can at least make shoppers feel more secure and encourage consumers to put their trust in efficient and safe systems. These efforts may also parallel those of the card companies themselves to entice more use through rewards programs. 

Taking action to restore faith in card use can be a good beginning for businesses that want to modernize. What 911 Software offers isn't just the solution itself, but also the customer support needed to keep using it for better effect. Contact us today to start changing your current approach to payments for the better and doing right by your customer base.

The number of chip-based credit card reader merchants is still set to grow, one Mastercard representative said.

There are just a few months until October, which will signal a full year since the merchant transition to EMV cards began. In that time, there have been several comments on the pros and cons of the rollout, with some businesses struggling to set up their terminals successfully to match customer demand.

PYMNTS recently spoke to Mastercard's Senior Vice President of EMV Product Delivery, Chiro Aikat, about the results of the EMV chip-based changeover. Despite the difficulties with setting up these systems, he did mention the trend's positive growth during the past year, considering how new this is to the U.S marketplace.

"There's a lot of noise in the system," Aikat said "We as an industry sometimes need to take a step back and think about the growth rate we are seeing nine months into the liability shift for one of the most complex and largest markets to migrate, this is some great progress. We are on the right track." According to the same source, that includes an 88 percent jump in chip-card use among consumers, with 1.7 million Mastercard merchants accepting chip payments.

However, USA Today reports that just 30 percent of retailers have EMV processing hardware in place, and that the cost issues of upgrading continue to be a deterrent to smaller businesses. The recent device adoption statistics could show possible resilience or more changes that still need to occur.

Either way, merchants can look for the credit processing software that will keep data safe and system-compatible. Contact 911 Software for solutions that will enable you to keep up with expectations within the industry.

ATM malware is still a concern, despite the rise in EMV cards.

The security benefits of EMV cards may come under criticism in light of new trends in hacking. According to a Dark Reading article, multiple trends are changing the ways criminals target cash machines. As merchants try to keep up with new threats, it can help to be aware of the way technology is influencing these potential problems. The source said that smartphones, traditional criminal expansion and new malware have all contributed to possible ATM threats.

One of the sources Dark Reading quotes does say that EMV hacking won't fully take off until traditional card victims are no longer profitable. However, that doesn't mean that the new frontier shouldn't be examined. Some of the security measures ATM owners are taking don't replace or repair existing flaws: instead, they just create opportunities for more hacks, the article said.

Some of the issues ATM companies have to be on guard against parallel the latest POS threats. The BBC recently reported on a sophisticated malware job that impacted several ATMs in Taiwan. While the source didn't comment on how the action was conducted, it did say that more than 1,000 ATMs were frozen as a result. 

Local police Criminal Investigation Division head Lee Wen-chang said that this action represents "the first time that an international team of ATM thieves has committed a crime in Taiwan."

Improving POS security may take updated card processing software and a reliable support system to see it through. Contact 911 Software and find out why customer retention has always been one of our major priorities.

Shoppers may be ready for chip card-enabled systems that aren't there.

Consumers with chip-enhanced cards are still likely to see a discouraging sight at the checkout: a small sign or piece of tape covering up the slot on the keypad where the card is supposed to go. While it's not news that this is the case, small businesses may still face disappointed customers when the chip capabilities don't work. To make up for this fact, managers and store owners may prefer to modernize their POS terminals with newer, state-of-the-art software.

While there are several reasons behind the persistent EMV card scanner adoption lag, the most obvious, according to Quartz, is a cost issue. The source said that smaller businesses don't have the same means or motivation to upgrade as bigger companies and chains. For these businesses, the effort it takes to stay compliant and still meet customer needs could pose a larger strain.

Despite these problems, Quartz also cited another issue with EMV use: lack of knowledge. In a way, this seems to follow previous statistics. Last August, before the EMV rollout deadline in October, Wells Fargo reported that the majority of small businesses (68 percent) were not aware of the then-impending rollout. Even among those who could accept EMV cards, 27 percent either didn't have confidence that they would or refused to respond to questioning.

It's clear that having the right credit card payment software, while important, isn't enough to ensure customer satisfaction. Knowledge is also needed, and 911 Software provides experienced support alongside high quality solutions.

With both of these, user businesses will feel more secure when they update their payment systems and will be prepared to work around other terminal concerns. Usability and security are both crucial for an optimal POS.

Younger shoppers represent an important piece of the consumer puzzle for retailers.

Preparing for the pace of modern business can be a tall order for new entities. With the right card processing software solutions from the beginning, retailers could be in a better place to grow and keep up with evolving customer and company expectations. Your own business might also depend upon the changes in what a sophisticated POS system can do. New opportunities may open up better chances for your business to improve.

It can be a tricky time for new retailers to enter the market, given the challenges facing existing ones. In a Forbes article published this January, contributor Walter Loeb explained some of the trends that may require retail store owners to "restructure" this year. One of these is the rise of Millennials as an important demographic, given their approach to shopping and preference to "own less and lease more."

Millennials respond to good service and do research on the Internet before making a major purchase," Loeb wrote. "They are 'real-time' consumers, shopping for today's needs and waiting until the last minute to shop for tomorrow's events."

Part of the appeal of the smart POS is its ability to handle important tasks in a simple, efficient system in-store. An Accenture study looked at the shopping habits of 1,707 Millennials around the world. (unfinished sentence) The source said this group will represent 30 percent of all retail sales by 2020 and account for $1.4 trillion in annual spending.

Though new businesses will have more than just Millennials to be aware of, this group represents a specific reason to upgrade software and look critically at all POS systems. Contact us today to learn more information about CreditLine and the benefits of credit card processors.

Another hotel group warned its customers of possible fraud recently.

A "Payment Card Security Incident" has prompted action from a hotel group. HEI Hotels & Resorts is reaching out to customers after a breach reportedly left customer data at these locations vulnerable. The incident affected 20 properties across the country, including Hyatt, Marriott, Sheraton and Westin brand locations. These buildings were located in areas as diverse as California, Florida and Minnesota.

In a related FAQ on this incident, the source said that attackers "gained unauthorized access" to the company's systems. It also stated that the hack may have revealed "some payment data" and that the company has addressed its payment card processors as part of its remedy plan.

This accessed data could include names, account numbers, card numbers and verification codes for both credit and debit card users. the company specifically said that it does not collect Social Security Numbers or Debit Card PINs, so these identifiers are not at risk. 

"Upon learning of a possible incident, we promptly notified law enforcement and financial institutions, and engaged an outside forensic expert to conduct an investigation of the incident," the statement said. "We also transitioned payment card processing to a stand-alone system that is completely separated from the rest of our network."

In addition to this case, Krebs on Security recently mentioned a Kimpton Hotels breach affecting several locations. In response to this threat, the company encouraged its customers to report unauthorized payment card activities on payment cards.

The credit card processor merchants use should be part of their commitment to secure transactions. Work with 911 Software for an up-to-date solution for electronic payments, as well as the dedicated support it takes to keep new systems running well in stores of differing sizes.

Encryption can be a possible protection against the "man in the middle" attack.

New hacking techniques can attack old POS terminals and force merchants to stay on their guard. According to

As the name implies, a Man-in-the-Middle attack places a device between the POS computer and the initial keypad, the source said. The attackers can gain personal payment data by hiding within the legitimate systems, and the same can reportedly go for malware as well as the physical device used in the example.

To prevent this threat, merchants may need to safeguard systems to address data exposure. One of the merchant's best bets may be PCI Council-compliant software. The

Not surprisingly, the latest version of the PCI Data Security Standard includes encryption requirements. According to Dark Reading, this version said that the standard is changing to define encryption methods more specifically, eliminating elements that could represent vulnerabilities.

Back in April, PCI CTO Troy Leach described the users the business hoped to reach.

"We are really making a strong effort to reach the SMB community," Leach said. "The program for merchant banks is also important because they have a very challenging time interfacing with all their merchants and the role of PCI compliance plays to better secure payment environments."

Credit card POS software experts can give users the guidance they need to use these tools correctly to better protect customer credit card data from security threats. Contact 911 Software today to learn more about our customer-ready solutions and the way they can improve payment activities. PCI compliance is a good way to address possible system flaws, but it isn't the only method and should be coupled with professional knowledge.

According to one study, some states were particularly vulnerable to credit card fraud last year.

Without being too alarmed, merchants may still have to rethink their credit card payment software choices with security in mind. A new study from Value Penguin appears to show credit card fraud on the rise for 2016, and business customers can use this as a launching point to rethink their own systems even if they have yet to see any fraud activity themselves.

The source specifically compiled fraud rates for each state throughout the country as of last year. According to this rank, California reported more than 12,800 cases, the highest of any state compared to the 69,954 fraud reports noted nationwide. However, Florida beat California in terms of events per capita, with 42.54 fraud complaints for every 100,000 residents.

Based on these statistics, 2015 is notable for showing a 41 percent jump in the number of complaints over the previous year. Despite this, the Value Penguin study also predicted a shift toward more online fraud with the growing use of chip-enabled EMV cards.

Preventing fraud at the point of sale can be part of a growing move toward compliance with industry standards. A point of sale news piece from earlier this month said that 80 percent of Mastercard's American customer base uses credit cards with chips. Mastercard also claimed that credit card fraud at its "top 5 EMV-enabled merchants" has dropped by more than 60 percent.

With 911 Software's CreditLine solution, merchants can process payments with expert security knowledge for better customer support. When users know they can rely on you for safe payments, they may be more likely to come back again and again. Send us a message today to learn more about our high quality, customizable offerings.

Just having a password isn't always enough for data security.

While there are many elements that make up a strong, secure POS, multi-factor authentication still seems to be one of them. With many focusing on ways to keep financial data secret, the use of more than one source of verification may give businesses an extra way to comfort their customers while protecting their own integrity as well. Don't neglect this form of protection, even as new technology keeps emerging onto the scene.

Fed Tech Magazine recently looked at the importance of authentication in a new article. As the source pointed out, federal agencies seem to be on the path toward security with multiple factors. That means combining more than one approach for a single verification, such as passwords and biometrics.

Anyone who has followed the Payment Card Industry Data Security Standard requirements will already know the importance of handling more than one security measure at once. This June, Sysnet Global Solutions' James Devoy described the possible future of multi-factor authentication for businesses.

"It may take time but I think multi-factor authentication for non-console admin access will gradually come to be seen the 'norm', as good security practice for internal administrative access to systems," Devoy said on the PCI Security Standards Council blog.

His remarks came after the release of PCI DSS version 3.2. Devoy also said that multi-factor authentication will be mandatory as of January 31, 2018, so merchants should use their time wisely to prepare beforehand.

Even if businesses understand how crucial security is, finding the right credit card payment software can be challenging. With 911 Consulting, businesses can learn more about the program they use and stay up to date with the latest standards. Expand your current approach to payments with card processing and expert support from an industry professional. Contact us to get started today.

Could credit and debit software be part of the shift to digital payments?

With a well-integrated POS credit processing software, businesses may see multiple advantages coming their way. The so-called "cashless society" might not be here yet, but there are more immediate benefits to encouraging card payments, if small businesses don't already. 

It should be no surprise that many consumers favor card payments over paper money overall. A recent Gallup poll showed that that the majority of Americans (62 percent) believe they will see the U.S. transition from cash altogether within their lifetime.

In addition, 42 percent of national adults are comfortable not having cash with them, at any given time, and the number is even higher for consumers between 18 and 29. Among these younger spenders, the median amount of cash they like to keep on their person is "0."

To businesses that only accept card payment, it might already feel like cash is a thing of the past. However, this just scratches the surface of what a cashless future could be like. Depending on how it happens, dropping regular cash use could theoretically lead to faster payments and easier transactions.

Perhaps most importantly for businesses, just accepting digital payments could mean a more unified POS system. Without cash, operators could potentially process transactions more simply and glean relevant data from them inside a single, intelligent POS system.

Though it may not be clear if going cashless will be feasible in the longterm, the more immediate question may be: how well can your business handle card data in-store? Verified credit card processing software can help business owners stop worrying and process payment information quickly. Along with that, 911 Software also offers high quality customer service for anyone in need of better advice for new software.

Even EMV cards could still be at risk with newer hacking methods.

Any small business needs to pay specific attention to its POS security. While there are multiple benefits to using a POS, especially if you haven't before, PCI Council standards compliance is important for stronger transactions. Some attacks have grown so sophisticated that users might not even realize that anything suspicious has happened until long after the fact.

Consumers are often told to be aware of unusual activity during payment. Business owners may want to follow suit to start investigating possible hacks on their own. In a recent article for PC World, Lucian Constantin said that a prompt to re-enter a PIN on a keypad could actually be a way to steal data.

Also, while EMV cards do reportedly prevent against some kinds of fraud, Constantin said that these aren't immune from the "re-enter" hack, either. As a result, businesses can potentially put too much faith into the steps they've already taken.

Dark Reading recently spoke to Tod Beardsley of the security firm Rapid7 about the issues associated with magnetic stripe cards. For hotels, this could threaten not just credit card use but also hotel door locks.

"Often a magstripe reader is configured as a general-purpose device, so you can drop in commands to open a register, open a window, or download malware and install," Beardsley said. Speaking about hotel security. Beardsley also said "encryption will happen at some point, but today it's pretty much the same basic technology from the 1970s."

The credit card processor business owners rely on will give them assistance for handling large amounts of data while assuring security. Contact 911 Software for information about our software systems and help with integration and other support issues.

Chip-based cards might still be vulnerable to security issues.

Chip-based credit cards have caused anxiety for merchants and consumers alike. Ever since their rollout last October, there have been concerns about adoption, licensing and integration, not to mention the long wait times. Despite this, the security benefits of EMV cards are still being discussed, and it would seem these are still valuable enough to some to be worth the inconvenience.

However, NCR has reported that chip-based cards are still potentially vulnerable. Although the chips are supposed to make it harder to compromise card data, researchers from this firm said that merchants aren't using sufficient encryption. In many cases, retailers may ask customers to use the stripe on their cards because the chip part isn't supported yet.

As far as long wait times are concerned, the problem may be due less to the credit card processor used and more to general complexity. The New York Times recently examined the buyer frustration around card-based payment delays. As it described, the one-time payment code needs to be checked against the matching code from the bank and then verified.

New terminals are supposed to address this problem, but if the threat continues anyway, businesses feel like they are still failing their customer base. The Times also noted that other countries may have faced similar problems with their chip-based card rollouts. Even given this, the U.S. has lingered so long in adopting this technology, the source said, that previous adopters are ahead.

Payment processing software is more valuable when merchants have a full understanding of its use. For this, support may be especially necessary. Fortunately, 911 Software can help with both software and the necessary advice for use.

Intelligent restaurants can put smart POS systems into place.

Though technology is changing many industries, many restaurants still have a long way to go in improving the customer experience. True innovation will require better card processing software as well as a strong focus on hardware that meets PCI standards and keeps user credit card data safe. For various industries, embracing the promise of new tech will be key for being more functional in the modern commerce landscape.

In a January interview with Hospitality Technology, Software Advice's Justin Guinn discussed some of the considerations that go into POS selection. As he said, it's a decision with the potential to impact a restaurant in many ways.

"We hear all the time that choosing a POS system feels like a very overwhelming process," he said. "With all the different options on the market today, there can be a lot of pressure to select the 'right one' that will work for the front-of-house and back-of-house staff."

In addition, Small Business Trends listed some of the ways in which restaurants can improve in the coming years through smarter use of tech. One of the items on this list is the growth of POS importance for eateries on this level.

The source said that better POS options could integrate with mobile technology and give businesses a way to ease transactions for users. Incorporating analytics and other intelligent technology will also leave restaurants with a way to harness user data for better delivery.

Getting a new credit card processing program can help fill a hole for restaurant owners who need to adopt a secure method for handling card data.

Ransomware can be a growing concern for smaller businesses.

Ransomware, a form of malware that locks up user systems to extort payment from victims, is a problem for everyday consumers and businesses alike. A Bleeping Computer article recently covered the effects of Jigsaw, a ransomware strain that systematically threatens affected computers in a way that could throw even professionals off their balance.

While POS companies were not mentioned specifically, the source did say that Microsoft computers could be affected. The Jigsaw virus works slightly differently from other, similar programs, in that it encrypts files and deletes them on an hourly basis. Users are asked to submit $150 in Bitcoin currency and the software reportedly deletes more and more files over the period of 72 hours after infection, acting especially vicious if users try to resist.

As it is a special kind of malware that could target small businesses, owners should take the threats of ransomware seriously, even if it doesn't appear in this form specifically. SC Magazine recently quoted Kent Shuart, a product marketing manager who spoke about how small businesses pose a possible target for cyberattackers.

"The average small retailer has 50,000 credit cards in their system that can sell for between $5 and $10 each on the dark web, meaning you are a very good target," Shuart said at a recent National Retail Federation event. He also said that ransomware could become a dominant type of crime for small businesses this year.

Instead of being frightened, businesses should take every measure they can to use a POS system that's secure and prepared for increased card-based traffic with appropriate software.

For advice on proper integration, contact 911 Software today. We will answer your setup questions and provide a secure, PCI-compliant credit card POS software.

The rise of the Internet of Things could also be a sign that you need to prepare for in-store traffic.

Smarter point of sale card processing will help businesses match other new technological developments. One of the most discussed IT trends in recent years has been the Internet of Things, the concept in which many different devices all connect together and are brought online. Since this has big implications for tech that's not usually considered part of the cloud, retail systems also stand to benefit from this movement.

Chain Store Age recently touched on the possible benefits of this ongoing revolution. Behind the scenes, automation can obviously benefit supply chains, inventory and stocking actions. On the consumer side, the IOT has the chance to support what the source calls "frictionless retail."

That refers to a shopping experience where customers have fewer frustrations. One of the examples given involves providing shoppers specific services that suit them based on their own experience. As always, using data correctly and efficiently is key.

It's also important to see the link between digital offerings and real-life shopping. While mobile apps seem to be separate from brick-and-mortar stores, the two are not incompatible. In fact, a growth in mobile options could force companies to strengthen their own POS offerings to be ready for future consumers. Updating older software can be a start to stay within PCI security standards and ready to do business in the modern shopping landscape.

Use 911 Software's CreditLine solutions to meet your customer's needs no matter where your business is located. Because CreditLine can integrate with pre-existing systems, it's easy to add compliant functions and be ready for cardholder transactions and expectations.

When running at its best, the POS can help tie different aspects of a retail business together. Contact us to learn more and get started.

A survey showed the amount of credit card fraud complaints throughout the country.

While credit card data security has always been essential, recent trends may require more urgent actions from businesses. According to figures from ValuePenguin, there were 70,000 credit card fraud complaints in 2015 alone. This represents a 41 percent growth rate over 2014, even with the rise in EMV usage supposedly bringing a shift toward online crime and away from standard card fraud methods.

Using national information, the source ranked each of the states based on the number of per capita fraud complaints per 100,000 in each one. Of these, the highest belongs to Florida, with 42.54 complaints for each of these groups.

The next highest is California, with 34.61 complaints, and the lowest is South Dakota, with an average of 7.98. Though the number may have been higher in Florida, California actually boasted 12,800 cases – the highest overall number.

Credit Cards.com has further information about data breaches as of 2014. Citing a Gemalto report, the source said that malicious outsiders were responsible for 55 percent of breaches, more than accidental losses and malicious insiders combined.

This source said that the U.S. was the target for 72 percent of breaches worldwide in 2014. North America in general accounted for 76 percent in the same year. Only 11 percent of the data breaches that year were about account access, and 54 percent were centered around identity theft.

Whether or not the security perils continue, businesses give their customers a better sense of security by using real applications. Starting off with PCI compliant credit card processing software shows the business is committed to performing correctly and doing the right thing for its audience.