The retailer I work for has nearly 2,000 card terminals, each directly connected to a POS system running payment applications validated to PA-DSS v3.1 and P2PE v2. One of the keys to obtaining and maintaining PCI Compliance is keeping as much of your network out of scope, to make your life as pain free as possible. Working for a tier 1 retailer in the UK, PCI DSS can be a constant headache. Look here for more info: Opens a new window While not all of this is IT's responsibility, it is a good idea to be on the committee for everything PCI at your employer. The layout you specify in your post is a good start, however PCI encompasses a few other things, such as physical security and having procedures in place in case of breach. Also, while a POTS line could process a transaction in a reasonable amount of time, with todays cards embedded with EMV chips, the amount of data that needs to be transmitted is much larger, causing EMV transactions over POTS to take FOREVER. While a POTS line could be tapped easily, SSL communication is more complex to intercept. The main advantages of IP signaling include security and speed. ![]() Other methods include via 4G (which is still IP) and satellite communication for remote areas. It is just like any other SSL traffic on your net, except it is talking to a specific IP address specified by your processor. The second method (and by far the best option today) is to utilize TCP/IP to communicate with the processor. It works much like a fax machine, calling a processor PSTN number and relaying signals encoded much like fax. ![]() The most popular historic method is via a POTS telephone line. A payment terminal (CC machine, ATM, etc.) contacts the payment processor (may or may not be your bank) via several available methods. See Deposit Account Agreement (PDF) for details.I am not sure if this was covered earlier because I did not read all replies, but there is a common misconception I am seeing reading through the first page of replies. Special Provisions for Card Transactions (Zero Liability Protection): Chase will reimburse unauthorized debit card transactions when reported promptly. A qualifying Chase transfer account is required to transfer funds via text. Any time you review your balance, keep in mind it may not reflect all transactions including recent debit card transactions or checks you have written. Delivery of alerts may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider technology failures and system capacity limitations. Such charges include those from your communications service provider. Account Alerts: There is no charge from Chase, but message and data rates may apply. Any checks not reviewed by 4 PM local time will be paid. Check Monitoring ("Reverse Positive Pay Service" or "Reverse Positive Pay") is complimentary for all Chase business checking customers. You may not enroll an account in both Check Protection Services and the Check Monitoring or Reverse Positive Pay at the same time. Additional exclusions may apply.įraud Protection Services is available to eligible business checking accounts and consists of the Positive Pay Service ("Positive Pay Service" or "Check Protection Services"), the Reverse Positive Pay Service ("Reverse Positive Pay" or "Check Monitoring"), and the ACH Debit Block Service. ![]() Same-day deposits are available in the U.S. Customers qualify for same-day deposits upon sign-up when processing payments through an eligible Chase Payment Solutions℠ or Chase Integrated Payments product and depositing into a Chase business checking account. There is no additional cost for same-day deposits, but standard rates and fees will apply for business checking and payment processing. Payments processed, approved and completed by 5 PM PT / 8 PM ET on Saturdays will be deposited into the business owner's Chase business checking account Sunday morning by 7:30 AM ET. Payments processed, approved and completed by 5 PM PT / 8 PM ET, Sunday through Friday (including holidays), will be deposited into the business owner's Chase business checking account that night. All deposits are subject to the applicable Terms of Service, including risk assessment and fraud monitoring, which may result in delays. Payments processed, approved, and completed by 5 PM Pacific Time (PT) / 8 PM Eastern Time (ET) are eligible for same-day deposits, 6 days a week, excluding Saturdays.
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