What is PCI Compliance?

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Many customers hear about PCI compliance and wonder what it is. To shed some light on the largest change to E-Commerce in the last few years, we’ll discuss each requirement and how it affects you.

The PCI  (Payment Card Industry) security standards are a blanket of regulations set in place to safeguard payment account data security.  The council that develops and monitors these regulations are comprised of the leading providers in the payment industry:  American Express, Discover Financial Services, JCB International, MasterCard Worldwide and Visa Inc. Inc. International.  Essentially, they define the best practices for storing, transmitting, and handling of sensitive information over the internet.

In order for a vendor to be PCI compliant, they will need to meet 6 main requirements.

Build and Maintain a Secure Network
Requirement 1: Install and maintain a firewall configuration to protect cardholder data
Firewalls are computer devices that control computer traffic allowed into and out of a company’s network, as well as traffic into more sensitive areas within a company’s
internal network. A firewall examines all network traffic and blocks those transmissions that do not meet the specified security criteria.

All systems must be protected from unauthorized access from the Internet, whether entering the system as e-commerce, employees’ Internet-based access through desktop browsers, or employees’ email access. Often, seemingly insignificant paths to and from the Internet can provide unprotected pathways into key systems. Firewalls are a key protection mechanism for any computer network.

Next up – Protect Cardholder Data

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3Dcart Announces New Partnership with Wishpot.com

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3DCart Shopping Cart is now fully compatible with Wishpot Wishlist and Registry Tools.

Add Wishpot Wishlist or Registry functionality on your website to increase online sales

Wishpot is a free social shopping service where members save all the things they are shopping for, from anywhere; in one place. Our members love our service as they can easily share their finds with friends and family. The Wishpot button makes it easy to scour the web and add anything to Wishpot. Wishpot is unique in that our members use Wishpot for both their personal shopping and for major life events. It also offers the ability to request cash and charity donations, combined with the hottest products and newest trends. As a Wishpot enabled merchant you can offer up the Wishpot Wishlist and Registry tools to your customers.

Benefits

• Increased transactions – Wishpot provides many services to users that increase the likelihood that a user will actually purchase from their wish list: price and coupon alerts, cash contributions, birthday reminders, friend activities and much more.
• Customers remember your site – The Wishpot button makes it easy for your customers to save items from your site to their lists. Long after customers leave your site they remember it. And can easily link back to it.
• Increased exposure for your products – customers not only remember but share your products. Wishpot has widgets and a Facebook application. Your products get increased exposure through feeds and blogs.
• Continual engagement with your product – Wishpot is a social shopping network – once your product is added to a public list, other Wishpot members comment on it, share it, and add it to their own lists.

Getting Started

As a user of 3DCart you can also utilize our other features like price alerts, chip-in, and wishlist user statistics. Feel free to contact us at merchants@wishpot.com and we can help you get the most out of the Wishlist and Registry experience.

For more information, visit our merchant page for more details.

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3dCart is now on Youtube

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We’ve taken all of our training videos and transfered them to Youtube.

Bookmark it: youtube.com/3dcart

Training videos can help you get the most out of your online store!

3DCart Training Videos cover many important features of 3DCart that can help you grow your online business.

3dCarts easy to use shopping cart software allows users with little or no programming knowledge to be up and running within minutes, yet provides the robust features that webmasters need.

If you have an iPhone, you’ll now be able to watch our videos on the go!

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Top 10 Reasons Your Chargeback Will Be Denied

2273635564_840c696667_b A reader of Consumerist.com has posted an article detailing 10 reasons why consumers fail chargeback requests. As a store owner, a chargeback can be very frustrating and it would serve you well to know what your customer has to do in order to file a successful chargeback against you.

Originally posted here

10. LYING
Remember, the merchant does have a chance to rebut these things. If you tell us that you ordered widget A but received widget B but have no proof, and the merchant sends proof that you actually ordered widget B, you’ll probably be getting rebilled!

9. THE CHARGE IS TOO OLD
Please, please check your statement every month. We work within very limited timeframes, and, technically, you are required to notify us of a dispute (in writing! Just calling in doesn’t obligate us to do anything), within 60 days of the statement date the charge appears on. Visa gives some extensions: non-receipt and quality. With quality, you have to show you’ve been working with the merchant consistently to resolve the problem. MasterCard pretty much only gives extensions on non-receipt.

8. NOT GETTING A SECOND OPINION LETTER FOR CHARGEBACKS OVER $100
If you’re disputing the quality of something over $100.00 or so, it pays to get a second opinion letter. Within reason, of course. If you’re disputing the quality of a repair, on the other hand, you pretty much have to have one. These need to be on a merchant’s letterhead and have actual details about your dispute. “Car still broken,” will get you started, but if the merchant sends a rebuttal it’s probably not going to fly.

7. YOU BOUGHT IT IN FRANCE
The lovely consumer protections we enjoy in the U.S. do not follow you across our borders. If you buy something overseas, the burden is on you to return the item and prove it the merchant accepted the return before we can do anything. International quality disputes? Forget it. Strangely enough, this is the one category that MasterCard is better in as it does not differentiate between domestic and foreign merchants.

6. TRYING TO CHARGEBACK A DIRTY HOTEL ROOM AFTER YOU STAYED IN IT
If you go to a hotel and the room is filthy, leave within 20 minutes and get proof of your checkout, if possible. If you stay the night, you accept the room.

5. NO PROOF YOU MADE THE RETURN BY MAIL
When you return something by mail, GET PROOF OF RETURN. This can not be emphasized enough. Tracking numbers work best, return receipts work as well. When you return something you have the same burden of proof to show the merchant gets it back as they do to show you have it in the first place.

4. FORGETTING THE DATE IT HAPPENED
When asked for dates, please provide them and be as specific as possible. It doesn’t have to be exact, but if you called around the middle of the month, April 15, 2009 is better than April 2009, especially since we’re going to have to call you to get a more specific range and do the same thing anyway. “Don’t remember” is not a valid option.

3. NOT GIVING THE MERCHANT A CHANCE TO FIX THE PROBLEM
Get in touch with them before you get in touch with us. Believe it or not, most merchants are actually on the up and up! If the merchant offers to try to fix whatever problem you have without charging more, you have to give them the chance. If you’re from New York and got your car repaired in Florida, you get back home and the repair isn’t working right, still have to give them a chance.

2. DISPUTING THINGS FOR THE WRONG REASON
It makes things more difficult and makes it more likely that you will lose. Don’t dispute things as unauthorized unless you never gave the merchant your credit card number. Don’t dispute things as non-receipt if the merchant did do something but you didn’t get the results you wanted.

1. USING MASTERCARD
With Mastercard (MC) the burden of proof lies on you. If you buy something face-to-face, get home and realize that it’s not as described, you’re out of luck entirely as you had a chance to examine the merchandise. Also, with MC it’s entirely up to you to know the merchant’s cancellation/return policy, even if they don’t disclose it. They didn’t tell you that you couldn’t cancel after three days? Too bad.

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