Posted:
Thu Mar 31, 2011 10:45 am Post subject: Dial-up credit card terminal on VOIP is not PCI Compliant
If you are running a analog only (dial up) credit card terminal on a Voip system, your transactions are not in the guidelines of PCI compliance.
Dial up ONLY terminals do not encrypt transaction data being sent for authorization/settlement. When a dial terminal sends transaction data over Voip, full credit card track data is sent in the clear over the internet.
Not only is this not PCI compliant, but users will start to experience authorizations issues and settlement issues with their terminals.
Any merchants switching to Voip should consider upgrading to an IP based terminal or long-range wireless terminal to become PCI Compliant.
There are lots of merchants either switching to or thinking about switching to Voip. Before you do, read this. You can get Voip for your business BUT you still need a TRUE ANALOG phone line to process your credit card transactions. I head up technical services for a credit card processor. We have gone through this about 12 times with a few of our merchants. I have been in contact with the major companies that make the credit card terminals, (Verifone, Lipman, Hypercom, Ingenico) They have all confirmed that transactions will fail on Voip systems. As you know, Voip drops packets of data all the time. They are so small that when you are talking on the phone, you don't notice it. With credit card transactions, if 1 packet of data is dropped, the transaction will eith fail, or you'll get a rejected batch. You can not configure a terminal to work like a computer, they don't have the technology built in them. So, whatever anyone tells you...Make sure you still reserve 1 TRUE analog line for your credit card processing. Please e-mail me with any questions. You may not be a merchant of mine, but I can still help.
I would also look into Credit Card Processing by Switch. for your Voip. They have great customer service and good rates.
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