> While I can appreciate and agree with everything that is being stated > about > not storing credit cards, the one issue I constantly run into is this: > > Even though CC's are processed through an Internet merchant account in > real > time and not stored on a client's database, clients want to be able to > access the number so that they can a) issue refunds/credits or b) have > recurring billing, such as would occur with a subscription. I just went > out > and checked Authorize.net's virtual terminal and in the refund/credit > mode, > the form requires the full cc number and exp date. In this case should > the > client just store the last 4 digits of the number and not store the exp > date > at all, then contact the customer when a refund is to be processed > (referencing the ending card digits)? > > In the case of recurring billing, Authorize.net now includes that as part > of > their offerings. > > Unfortunately, most clients get the impression that storing CCs is OK, > because they do business with Amazon and GoDaddy, and others which keeps > their numbers on file (with the user's permission). I'm sure these > companies have multiple layers of security.
When using recurring billing with cc processors, the cc processors store the cc number and gives you a client number....you store the client number....when you need to charge another payment or make any refunds you can initiate the Tx using the client number the cc processor gave you....easy like pie.....no need for having ANY cc number info. Cheers Bryan Stevenson B.Comm. VP & Director of E-Commerce Development Electric Edge Systems Group Inc. phone: 250.480.0642 fax: 250.480.1264 cell: 250.920.8830 e-mail: [EMAIL PROTECTED] web: www.electricedgesystems.com ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~| Discover CFTicket - The leading ColdFusion Help Desk and Trouble Ticket application http://www.houseoffusion.com/banners/view.cfm?bannerid=48 Message: http://www.houseoffusion.com/lists.cfm/link=i:4:218960 Archives: http://www.houseoffusion.com/cf_lists/threads.cfm/4 Subscription: http://www.houseoffusion.com/lists.cfm/link=s:4 Unsubscribe: http://www.houseoffusion.com/cf_lists/unsubscribe.cfm?user=11502.10531.4 Donations & Support: http://www.houseoffusion.com/tiny.cfm/54
