5 Tips for Secure Online Payments: How Merchants Can Scale
Blog post from Basis Theory
Secure payment processing is presented as a shared responsibility in which merchants should balance data protection, PCI-DSS compliance, and security costs according to their transaction volume. PCI-DSS assigns merchants to four tiers, with lower-volume businesses generally able to meet requirements through self-assessment questionnaires while larger organizations face more extensive controls and independent assessment. New merchants can reduce time to market and limit exposure to cardholder data by using payment aggregators such as PayPal, Stripe, or Square, but relying on only one provider may create operational risk if rates change or the account is terminated. Adding multiple aggregators provides processing redundancy, while third-party tokenization can preserve control over customer payment data without bringing sensitive card details into the merchant’s own systems. As a business scales, automated routing can direct transactions to providers based on approval rates, geography, or cost, while integrating merchant accounts and gateways may further lower processing expenses.
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