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Secure Transactions Assured

One of the main questions new customers ask about is online credit card fraud and how it can be prevented.

We all know credit card fraud has been around since the 1960s, so what is being done to limit fraud now that online purchasing has become so ubiquitous?

For starters, when you are purchasing online - have you ever noticed or wondered why your web address starts with 'https://' and not 'http://' ?

That letter 'S" makes all the difference, for it tells you that the web page you're on is protected by something called an 'SSL certificate'.

So, what is an SSL certificate and why do I need one?

The abbreviation SSL stands for Secure Sockets Layer protocol. It encrypts the submitted data making it unavailable to the general public and accessible only to a limited group of people that have the private key to encrypt it (the web site / e-shop and the owner of the certificate).

For this reason, SSL certificates are used as a means for protecting sensitive data, such as the Credit Card information you collect from your e-shop customers.

Using SSL certificate ensures that the data entered reaches the address intact and is not accessed by third parties.

A website whhich allows a secure connection would have an address similar to this:

https://yoursecuredomain.com

.. note the "s" after "http"!

This means that the protocol used to transfer the data is secure, and the data is encrypted to disallow public access.

Usually a padlock symbol would appear at the bottom-right corner of your browser window. If you hover your mouse pointer over that, you will see the name of the authority that has issued the certificate. Doubleclicking will show further details, like type of encryption, etc.

There are acyually two types of SSL - shared and private.

A 'shared' SSL certificate would usually ask you to confirm if you would like to continue. This, however, does not mean that your connection is not secure! The warning is issued when you are trying to use the certificate for another domain name on the same IP address.

A private one costs a little more because it helps you get more credibility because you:

  1. Avoid nasty popups
    The shared SSL generates popups every time you wish to access a secure page. To avoid such popups you need a private SSL.
  2. Avoid host's name in your URLs.
    In order to access a page with your shared SSL, you need to put your host's name in your URL. To avoid that, you better get a private SSL.
    e.g. With shared SSL, your secure url looks like: https://secure.yourhost.tld/~username
    With private SSL, your secure URL looks like: https://secure.yourname.com

Krann offers both shared and private SSL as part of its ecommerce solutions - the choice is yours.

For more info on online transaction security visit one of these sites :

Learn The Net at:
http://www.learnthenet.com/english/html/07secur.htm

Answers.com at:
http://www.answers.com/topic/online-transaction-processing

Love to Know at:
http://online.lovetoknow.com/wiki/Secure_Online_Shopping_Tips

WorldPay at:
http://support.worldpay.com/products_services/worldalert/