The best systems for secure online payments

How does secure online payment work?

Un secure online payment is a guarantee of increased purchases for any company selling products/services over the Internet. Accepting online payments is synonymous with flexibility and adaptability, qualities particularly appreciated by Internet consumers.

This requires the use of a payment gateway. These are a tool that enables a company to accept payments from online customers. So, as the name suggests, it's all about.., an intermediary which transmits payment information between the merchant, the buyer and the card issuer.

The payment gateway therefore plays a dual role:

• Du e-commerce site it is used to collect payments online customers.

• Du on the consumer's side is the tool that will enable it to pay for your purchase by putting him in touch with his bank.

It is also responsible for guarantee the security of sensitive customer information when making a payment . In other words, the payment gateway ensures the security of payment transactions on e-commerce sites.

They encrypt the consumer's personal data using the SSL protocol . The latter enables bank data to be encoded to prevent hacking.

La personal data protection is a major issue when it comes to online payments. This is why the PCI-DSS standard was introduced.

A payment gateway must, in fact, comply with the PCI-DSS standard (Payment card industry - Data security standard) . It is a set of data security standards for the card industry. payment. PCI-DSS standard applies to all parties involved in processing, transmitting or storing payment card information.

What to look for to guarantee secure online payment

To assess whether a payment gateway is sufficiently secure, you should check the following factors:

SSL certificate

The SSL certificate (Secure Sockets Layer) is a standard for securing data passing through a website. Installed on a server, this standard ensures a secure connection between the browser and the web server. A website with an SSL certificate thus displays a URL starting with "https:// .

Using an SSL certificate enables you to guarantee the security of your customers' banking data and thus payment transactions carried out via your website.

Two-factor authentication (2FA)

Often used for logging onto platforms such as Google or Facebook, this type of authentication makes access to your account even more secure. It can also be used for online payment gateways. This feature adds an extra level of protection for your data.

In concrete terms, in addition to the password, a one-time secret code is e-mailed to the customer to authenticate and validate the payment.

Regular system updates

Faulty updates are an open door to security breaches, and therefore to the hacking of sensitive data. For this reason, you need to ensure regular updates payment systems to optimize user data security.

Fraud protection

What fraud detection and protection systems does the solution offer? Good fraud protection enables you to detect suspicious transactions and automatically refuse suspicious orders, for example. An effective fraud protection system allows you to automate transaction verification. Conversely, it also enables you to automate transaction acceptance for your most loyal customers.

The best secure payment solutions available

Here is a list of the most secure payment solutions on the market:

Hero

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Launched in 2021 by Roland Jais Nielsen, Hero is a fractional payment solution specially dedicated to B2B online transactions. Hero complies with the most stringent security standards (transaction encryption, etc.).

Paypal

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On the online payment market since 1998 Paypal is present in 202 countries and regions around the world. To ensure the security of transactions carried out on the platform, Paypal has implemented a number of measures:

• Transaction encryption secure connection via https, compliance with security standards such as PCI-DSS, key identification.

• Double authentification Paypal sends you an e-mail containing a security key by SMS each time you connect.

• Protection for seller and buyer: reimbursement of buyer in the event of non-delivery or non-conformity of material goods.

Stripe

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Payment gateway founded in 2010 Stripe is certified Level I PCI service provider. The highest level of certification for online payments, this certification testifies to the quality of the platform's data storage system.

The platform helps users achieve PCI compliance to ensure optimum security for their transactions.

Tips for consumers: how to make secure online payments

The question of data security is all the more relevant on the consumer's side. Here are our tips for finding out whether a sales gateway is reliable enough to enable you to make your payment with complete peace of mind:

• Remember to check that the website is secure. To do this, check that the site's URL address contains "https://". A website URL can begin with either "http ://" or "https ://". An "http ://" site offers no guarantee of security. You should therefore avoid opening an account there, as your personal data could be intercepted by third parties.

• Never save card information on unreliable sites. Some browsers automatically offer to save your information to make it easier for you to reconnect later. This practice should be avoided, especially if the site is unreliable.

• Use strong, unique passwords. When choosing a password, be sure to include capital letters, numbers and special characters to make them as secure as possible. And don't use a password you've already used on other platforms. Your passwords should be single-use only.

• Avoid transactions on unsecured public networks . Public wifi networks in stations, cafés and hotels are ideal opportunities for hackers. So avoid entering your payment card number when you're connected to this type of network.

In short, transaction security is a critical issue when it comes to online payments. Whether on the seller's or the consumer's side, using a secure online payment is essential for worry-free payment.