security in online shopping: credit/ debit card validation

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lauthiamkok
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Posts: 153
Joined: Wed Apr 01, 2009 2:23 pm
Location: Plymouth, United Kingdom

security in online shopping: credit/ debit card validation

Post by lauthiamkok »

hi,
I want to make a small website which can allow users to open account, to shop, and to pay online...

can i know the process or idea when it comes to the credit/ debit card validation and verification...? I came across this keywords over internet - merchant account and Luhn formula - what are they for actually and how to make them...?

In other words, how to do o the credit/ debit card validation and verification which i can protect myself as a seller from fraud and to protect my customers if they provide their card numbers.

what is SSL??

Any reliable books or online tutorials/ references i can count on?

Many thanks,
Lau
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turbolemon
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Posts: 70
Joined: Tue Jul 14, 2009 6:45 am
Location: Preston, UK

Re: security in online shopping: credit/ debit card validation

Post by turbolemon »

In my opinion, its easier to use a payment processor ( PayPal / Sage Pay / World Pay / etc ). If you are an SME, you probably don't want to be processing and storing credit card info, as you become liable for PCI DSS compliance which is a painful, expensive process (it includes secure, data redundancy requirements, audits, and training, amongst other things). https://www.pcisecuritystandards.org/ for more information. If you absolutely must, then I know that Sage Pay offers a decent API for processing payments after you collect the details.

SSL is the certification method used to for both ensuring the server you are viewing is the real thing, and contains the key for transmission of encrypted information over the web. http://www.google.co.uk/search?hl=en&de ... n&ct=title

Try searching amazon for e-commerce books, and other sites such as packt and php|architect (they have a decent magento book).
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