> That is quite wrong. Most payment gateways these days issue a token 
> against
> a credit card payment that you can re-use to re-bill. You never need to 
> see
> the credit card number after the first transaction for this to work. I
> believe the token is usually valid for a maximum of 13 months.

Most maybe, but I currently use Authorize.net (one of the largest), and as 
far as I can tell, they do not offer this.  You need to send a credit card 
number with every transaction (unless you are capturing a transaction that 
has already been authorized).  Perhaps this is a good reason to switch to a 
different processor, although otherwise they're ok.

What if this token that gets issued falls into the wrong hands?  If you 
don't need anything else but that token to authorize a transaction, that's 
less secure than requiring a cvv number for every transaction.

> I know this but think about it... Without the CVV2 or pin what use is the 
> CC
> number so is there any need to store it? Probably not!

I don't know about other processors, but at Authorize.net you can configure 
your account to not require a cvv number for authorization.

> All because I used my CC at a filling station on the M6 just outside
> Manchester, UK... Nice :) I guess the crims were dumpster diving for the
> till receipts although it could have been a crooked employee. Grrr...

That sucks!   What's ironic is that people are much more paranoid about 
online transactions than in-store transactions, though the latter generally 
have more security openings (employees handling physical receipts etc.)

-- Josh 


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