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Avoiding PCI compliance costs using Paypal

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    Avoiding PCI compliance costs using Paypal

    It it pretty hard to stay PCI compliment and we have yearly cost and insurance. Is only using Paypal and solution to this issue? I would say about 20% of our orders use paypal.
    http://www.invinciblemusic.com

    #2
    If you are using a compatible gateway, MivaPay lets you not touch the credit card numbers, and if you aren't otherwise handling credit card numbers elsewhere in your business, typically means you can perform the lowest level of self assessment and provider our PCI attestation of compliance to your merchant account to meet any requirements on their side. This can be combined with traditional PayPal, so it can continue to work as well.
    David Hubbard
    CIO
    Miva
    [email protected]
    http://www.miva.com

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      #3
      Hi David, what about merchants who may not use Miva Pay, but they have set their payment modules to only save the last 4 digits of a card number? I thought that was PCI-compliant.

      Thanks & Happy New Year! --
      Kent Multer
      Magic Metal Productions
      http://TheMagicM.com
      * Web developer/designer
      * E-commerce and Miva
      * Author, The Official Miva Web Scripting Book -- available on-line:
      http://www.amazon.com/exec/obidos/IS...icmetalproducA

      Comment


        #4
        Kent,

        No that does not solve for PCI compliance (at least not by default). The issue with doing what you're describing is that the credit card still touches your server (even though you're most likely leasing that space from us). Where with MivaPay the CC never touches a server or system you (the client) has access to and therefore our PCI Certification for MivaPay covers that situation.
        Thanks,

        Rick Wilson
        CEO
        Miva, Inc.
        [email protected]
        https://www.miva.com

        Comment


          #5
          I was wondering what the costs are using MivaPay. I like the idea of how this works and makes compliance less of a headache,
          http://www.invinciblemusic.com

          Comment


            #6
            MivaPay is included with our service; no additional charges. Additionally, given we're storing the credit card data, you are free to change among any MivaPay-supported payment gateway if you find one offers you better processing rates without it affecting cards your customers have stored, subscriptions, etc.
            David Hubbard
            CIO
            Miva
            [email protected]
            http://www.miva.com

            Comment


              #7
              This is fantastic to know. I started the process of getting our site turned over to MIVAPay. We use Authorize.net and CyberSource so I guess we keep Authrorize.net and can end our service with CyberSource.
              http://www.invinciblemusic.com

              Comment


                #8
                Here are the Miva Merchant payment modules currently integrated with MivaPay:
                • Authorize.net
                • Braintree
                • Chase Paymentec Orbital
                • Cybersource
                • PayPal Payments Advanced and/or Payflow Gateway (Discontinued)
                • PayPal Express Checkout and/or Payments Pro (Discontinued)
                • PayPal Commerce Platform
                David Hubbard
                CIO
                Miva
                [email protected]
                http://www.miva.com

                Comment


                  #9
                  Will the old PayPal modules still work with MivaPay until we finally make the switch to PayPal Commerce?

                  Comment


                    #10
                    It will depend on the specific PayPal service and the module, as they've had numerous gateway / merchant account options and names over the years, which has made for a confusing number of "PayPal" modules on our side to interface with those services. If you let me know the exact module name you see as active in your store administrative interface, and further what services within that module it is showing as active, I can let you know if it would work with MivaPay in its current form.

                    Additionally, traditional PayPal will continue to work fine side by side with MivaPay, if you wanted to continue to allow customers to pay via PayPal versus entering payment data during checkout; this is the original style PayPal where they log into their PayPal account and authorize payment, then return to your site.
                    David Hubbard
                    CIO
                    Miva
                    [email protected]
                    http://www.miva.com

                    Comment


                      #11
                      Your last paragraph applies to us. Thanks for the explanation.

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