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flows. When an employee creates a cardholder data flow why I don't want to handwrite my credit card on a piece
that no one in the organization has heard about, it can of paper," she said. "This has even happened at large, es-
jeopardize an organization's status and security posture, tablished companies."
he said.
Travers recently offered to save a merchant money by Spotlight Innovators
Halbleib suggested maintaining open lines of communi- providing free card readers to his fleet of service delivery
cation among employees and managers. This way, when people. "You can't have employees driving around with
an employee identifies a potential new card flow, a busi- credit card numbers in their vans, because it violates pay-
ness owner and IT manager can make a business decision ment card industry rules," she said. "Besides, you're pay-
about how to handle that data. ing card-not-present rates when you manually enter credit
card data. My free card readers would make you eligible
Merchants and business owners have to control access for card-present rates."
to customer data after they take it, he stated, adding that
this might entail storing receipts in tamper-evident bags Banks and processors are getting tough on fraud and data Spotlighting companies that promote
and keeping a record of receipts that were turned over to security breaches, which increases the merchant's cost
a manager or picked up by a courier. "Auditors will look of doing business, Travers noted, adding that when PCI innovation in the payments industry
at whoever had access to the card data," he noted. "I ap- drives up costs, it all goes down stream in the form of
preciate all the honest clerks out there who don't steal your higher consumer prices. "We need to be a self-regulating
data, but we need a very established process to protect em- industry and not look the other way when we see some-
ployees, businesses and consumers." thing wrong," she said..
Self-regulating payments
Dale S. Laszig, Senior Staff Writer at The Green Sheet and Managing
Sandy Travers, co-founder and co-CEO at DigiPay Solu- Director at DSL Direct LLC, is a payments industry journalist and content
tions Inc., tries to educate merchants about the nuances provider. She can be reached at dale@dsldirectllc.com and on Twitter
of PCI requirements. "Sometimes I have to tell merchants at @DSLdirect.

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