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Security and Authentication

Process payments securely, with the strongest security available on the market today.

Secure Payment Processing Solutions

Our payment processing solutions help you to avoid unnecessary chargebacks and retrieval requests. Designed with security in mind, our merchant account solutions integrate security and authentication fully into your payment processing.

Crescent Payments Gateway (PPG) Server Security

Widely certified with major U.S. payment processors and banks, the Crescent Payments Gateway Server safeguards your customers' privacy and protects you from unauthorized payments.

Features include:

Encryption: triple DES encryption and asymmetric PKI protect sensitive data

Access controls: multiple layers of access control and authentication methods.

System-wide IP filtering: IP filtering across the whole system is supported.

User-based IP filtering: supports IP filtering based on each individual user.

SSL support: the strongest key length protects all traffic to and from the payment server.

Instant alerts: detects intrusion attempts and immediately alerts administrators via email or SMS/pager.

Buffer overflow exploit protection: the majority of Internet security threats are eliminated at the source.

Real-time blocking of intrusion attempts: the payment server automatically blocks all traffic from IP addresses responsible for attacks.

Country IP blocking: block traffic based on the incoming IP address' country of origin.

Privacy protection: sensitive data such as card number, expiration date, etc. are masked on the receipt and the report.

Clustering security: supports Kerberos authentication and Internet Protocol security (IPSec).

Role-based security: The PPG Server supports role-based security using ASP.NET.

Verified by Visa & MasterCard SecureCode

Visa and MasterCard now offer methods to validate that a cardholder is authorized to use the card. Your online transactions are guaranteed against unauthorized card use and against chargebacks.

Both Verified by Visa and MasterCard SecureCode run on your website and interact with both the customer and their card issuer. As part of the check-out process, the cardholder is asked to enter a private code that has been registered with their bank. Their bank then validates that code and provides you with a means of achieving a fully guaranteed transaction.

Benefits to Merchants:

Guaranteed Payment: Merchants that implement Verified by Visa and MasterCard SecureCode are guaranteed payment for all transactions authenticated. This means fraud losses as a result of "I didn't do it" transactions can now be eliminated.

Significant Drop in Chargebacks: Merchants that implement secure payment authentication are likely to benefit from a significant drop in the number of chargebacks they receive on a monthly basis. This results in lower chargebacks fees, lost merchandise and administrative costs.

Lower Interchange Rate: Online merchants may qualify for reduced Visa and MasterCard rates once they are deemed fully compliant.

Accept International Transactions: All payment authentication programs are applicable worldwide making it safe for merchants to accept transactions outside the U.S.

Our payment processing solutions offer these protective measures. For more information, see our sections on Verified by Visa and MasterCard SecureCode.

PCI Compliance

PCI (Payment Card Industry) compliance refers to a set of security standards that helps to ensure the safe handling of sensitive information. Founders of the PCI Security Standards Council are American Express, Discover Network, JCB, MasterCard Worldwide, and Visa International.

This set of standards applies to every organization that processes credit or debit card information. Depending on the merchant level that your business falls into, the requirements are different for compliance. Our expert staff will provide you with all the necessary information to ensure your business is in compliance.

Make the move today to affordable and secure payment processing. Call us at or apply online now.


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