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It’s Essential for Fuel Centers to Protect Their Payment Gateway

By: Courtney Hamby on January 2nd, 2018

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It’s Essential for Fuel Centers to Protect Their Payment Gateway

PCI Compliance  |  Secure Networking

 

cash-register-desk.jpgA payment gateway isn’t just a service that merchants use to process and authorize credit card payments for their fuel centers, it’s much more than that. It’s a way to ensure that your customer’s electronic transactions are totally secure. If your customers don’t feel that they can safely use their card at your location, they will take their business elsewhere. That’s why fuel center owners need to protect their payment gateways by ensuring they choose the right technology solution partner.


Although a lot of the work to keep payments secure happens behind the scenes, it’s important for fuel center owners to understand payment gateway fundamentals. When a customer pays at the pump, the transaction details are transmitted through an encrypted connection to the payment server hosted by the payment gateway. The payment gateway then forwards the transaction information to the payment processor, who, in turn, forwards the transaction information to the card association. If a bank-issued card such as a MasterCard or Visa was used, the card association routes the transaction to the issuing bank, which then sends an authorization response back to the processor. On the other hand, if a card such as American Express or Discover was used, the card association itself provides an authorization response. The processor forwards the authorization response of “approved” or “denied” to the payment gateway, which then relays the information to the cardholder at the pump. Although this process may seem complex, the entire transaction typically takes just 2 to 3 seconds.

 

At the end of the business day, the fuel center submits all their approved authorizations to their bank for settlement via its processor. The bank then makes a batch settlement request of the credit card issuer who makes a settlement payment to the bank. The bank subsequently deposits the total of the approved funds into the fuel center owner's account, less any fees. The entire process from authorization to settlement to funding typically takes about three days.

 

Since consumers demand that their sensitive data, such as credit information, be protected when paying at the pump, security is an essential component of all payment gateways. To address this need, the card associations have created a set of rules and security standards called the Payment Card Industry Data Security Standard (PCI). Choosing a technology solution partner who meets PCI standards is essential.

 

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In today’s age of stolen identity and rampant credit card fraud, AvaLAN recognizes that secure and reliable payment gateways in fuel centers are crucial. That’s why we offer the AvaLAN AWFIRE5P, a highly secure firewall ready for the advanced requirements of PCI’s network segmentation. The AWFIRE5P securely connects a VeriFone Commander and Ruby CI sites to the Internet for credit card processing and remote network access. This industrial grade hardware provides all the features without all the cost.

 

AvaLAN provides innovative solutions for commercial and retail fueling stations, digital signage, retail point-of-sale, and other industrial automation applications. 

Learn More about Secure Networking for PCI Compliance