How to Protect Your Site from Fraud and Hacking
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Security and fraud protection are essential for any kind of business. But it is especially important for online businesses. This is because the Internet has always been vulnerable to hackers, and a favorite tool of swindlers and frauds. As an ecommerce site owner, you must protect both yourself and your customers from these threats. Luckily, ecommerce technologies have been developed to reduce the risks.
FRAUD IN ECOMMERCE
But first, what fraud risks are involved in ecommerce?
1. CONSUMER OR BUYER IDENTITY FRAUD. Someone steals a person's credit card information or tricks them into giving it to them. Then the thief uses it to buy goods at the expense of the real credit card owner.
2. MERCHANT OR SELLER IDENTITY FRAUD. Someone breaks into your merchant web site or payment account. Then they use the info to get money from the merchant.
ECOMMERCE TECHNOLOGY VS FRAUD AND HACKING
Now what can be done to protect both merchant and customer from such fraud?
1. ENCRYPTION. A basic ecommerce technology. Use secure pages when processing orders and payments. Secure means data is encrypted during transit. If it's unencrypted, hackers will be able to intercept the data (such as credit card info) and use it.
2. AUTHENTICATED SSL CERTIFICATES. Get this ecommerce technology if you're serious about business. You must apply with a reputable third-party that provides SSL authentication. They will review your application, background and business ethics. If they find your company is legal and genuine, they will issue you the certificate. A visitor to your site will then have the assurance that you are what you claim to be.
3. DIGITAL CERTIFICATES. These are like high-end, business cookies. They give you a unique Internet identity, like an ID or passport.
4. ANTI-FRAUD SOLUTIONS. There are ecommerce technology companies that offer fraud protection services. Payment systems may come with these.
5. SECURITY STANDARDS COMPLIANCE. No matter what ecommerce technology or technologies you use, be sure you comply with security standards. Credit card companies will hold an Internet merchant responsible for fraud if it happens. So get to know the requirements of the Payment Card Industry (PCI) Data Security Standard and follow them. Non-compliance is heavily penalized.
Internet fraud is a real danger. Be sure to arm yourself with current ecommerce technologies like these to protect yourself and your customers. Doing so will earn you your customers' trust and greatly enhance your business reputation.
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