22 COVERSTORY
Using a Managed Service to Maintain PCI-DSS Standards For a retailer considering a managed
service, using an IP based service makes increasing sense when looking at the cost, reliability and security of such a solution. Using a leading provider of fast, reliable and secure transaction-oriented services for the world’s leading retailers, banks, processors, telecommunications companies and the fi nancial markets is critical. Specifi cally, any managed payment service
IP payment transactions For today’s retailer, the most common issues concerning the processing of credit card payments is the area of PCI compliance, speed of authorisation, maintaining a resilient system, and reducing the cost and complexity of payments. Selecting the right payment provider, combined with using the right underlying network offers the best chance of achieving the most effi cient payment system for a retailer.
As was highlighted recently in the Frost
& Sullivan White Paper “Card Data Security in an IP World”, it is now generally accepted that reliable broadband services, whether wired or wireless, offer some considerable advantages over legacy technologies such as dial-up lines or more expensive leased circuits. Benefi ts such as faster transaction speeds, always-on connectivity and lower support costs are widely-held benefi ts of using broadband lines.
With the increasing expense and complication for retailers to adopt all of the necessary payment compliance, moving towards a managed payment service, used in conjunction with an MPLS broadband infrastructure, is the way an increasing number of retailers are choosing to go.
Using a managed service for payments can achieve the following for a retailer: • Outsource complexity – merchants can fully outsource their payment process, simplifying their operations and compliance efforts. All transactions can be authorised and settled by a PCI DSS certifi ed gateway, with direct connectivity into UK and international acquirers
• Support all major card and transaction types, with the added reassurance of offl ine/stand-in authorisation
• Simple and quick deployment, with simple RETAIL TECHNOLOGY JANUARY/FEBRUARY 2011
must allow merchants to authorise and settle card transactions securely, reliably and economically, while ensuring full card data security. To achieve this, the service must be connected to all major banks, and payment processors to achieve the speed of transaction that is demanded in the market today. Iconnyx has selected TNS as their
partner of choice to provide the IP payment processing element of their combined retail communications solution. TNS’ multichannel gateway TNSPay,
provides a centralised platform that offers retailers a simple answer to the key payment challenges they face, incorporating all of the benefi ts above. The service allows merchants to easily deploy new payment related acceptance channels that can be easily integrated with a broad range of internal systems.
In addition to its powerful processing capabilities, the TNSPay service also offers a comprehensive management information reporting suite accessible via a secure web portal. Since the service is compliant and certifi ed under the PCI DSS standards, retailers have a simplifi ed path to ensuring they are meeting their PCI DSS security requirements.
integration with EPOS systems
• Contactless Payments – supported through the simple addition of an approved contactless reader, providing faster payments, shorter queues and increased customer satisfaction
• Real-time Management Information – transaction data is made available via the web for viewing or download to simplify reconciliation and reporting
• Compliance and Security – reduced amounts of card data in the merchant
Summary Iconnyx has developed a package for the retail industry that illustrates an understanding of the need for a consolidated communication package. Through its partnerships with TeleWare and TNS, they have produced a fl exible and highly cost effective package to deliver a fully integrated communication service, combining: • The underlying MPLS network, using fully managed broadband connections for each retail store that can be used to securely transfer data to head offi ce as well as delivering fi ltered Internet connectivity to each outlet
• A hosted IP telephony service, provided by TeleWare, saving money by reducing the number of analogue circuits required per store as well as allowing free inter-site calls. Hosted IP telephony also improves customer service by offering functions such as voicemail, call transfer and call queuing.
• An IP payment gateway which complies with PCI DSS security standards and allows retailers to pay a monthly fl at fee for all group-wide transactions. As well as saving money, the transaction service provides end to end visibility and monitoring, all the way through to the bank or processor, ensuring maximum uptime and availability. By consolidating these business-essential communications, Iconnyx is offering a unique package that will reduce overall costs.
Iconnyx offers a free trial for retailers . To fi nd out more call 0845 125 7720 or email Iconnyx at
retailcomms@iconnyx.com or visit
www.retail-comms.com
environment and greatly simplifi es the merchant’s PCI DSS compliance efforts. Point-to-Point Encryption capabilities are also available to bolster a merchant’s overall card data security and can assist in reducing PCI scope and cost
• Flexibility – support of real-time or batch payment processing across a number of different sales channels
• Remote management – enabling device management and control, and removing the need for costly site visits to update your hardware
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