Com a expansão das empresas e o aumento do volume de transações, os riscos de segurança nos pagamentos aumentam exponencialmente. De acordo com um relatório da Statista, o custo médio de uma violação de dados nos EUA chegou a quase US$ 9,5 milhões. Além das implicações financeiras imediatas, uma violação pode prejudicar a confiança dos clientes na empresa.

Explicamos abaixo as nuances dos sistemas de pagamento seguros e seus principais componentes e trazemos insights sobre como criar um ambiente de pagamentos estável. Explicamos o que as empresas precisam saber sobre sistemas de pagamento seguros e seus componentes e o que é necessário para criar uma experiência de pagamento altamente segura para os clientes e um backend de pagamento altamente seguro para a empresa. Seja para quem trabalho no varejo, em tecnologia ou qualquer outro setor, entender e implementar essas estratégias pode redefinir sua abordagem, garantindo transações seguras para sua empresa e seus clientes.

Neste artigo:

• O que são sistemas de pagamento seguros?
  
• Componentes de sistemas de pagamento seguros
  
  • Criptografia
    
  • Gateways de pagamento
    
  • Tokenização
    
  • Autenticação multifator (MFA)
    
  • Carteiras digitais
    
  • Cartões com chip EMV
    
  • Sistemas de detecção de fraudes
    
  • Conformidade com PCI DSS
    
  • Sistemas específicos para bancos
    
• Por que o uso de sistemas de pagamento seguros é tão importante
  

O que são sistemas de pagamento seguros?

Um sistema de pagamentos seguro (SPS) é uma infraestrutura especializada que protege o processamento e a transmissão de transações financeiras, especialmente em espaços digitais, e é importante para mitigar riscos como fraudes e acesso não autorizado.

Which components make a payment system secure?

As ecommerce and online transactions continue to grow in number and popularity, secure payment systems are necessary for preventing fraud, unauthorized access, and other security threats.

Here are some key components and examples of secure payment systems:

Encryption

Encryption is a technique of transforming data into a code to prevent unauthorized access. This involves converting plain text data, such as credit card numbers, into a scrambled format called ciphertext using encryption keys. To convert the data back to its original form, a decryption process is applied using the corresponding decryption key.

Types of encryption

• Symmetric encryption: In symmetric encryption, both encryption and decryption use the same key. This is faster but requires secure key handling.
  
• Asymmetric encryption: In asymmetric encryption, there are two different keys—a public key for encryption and a private key for decryption. This allows the public key to be shared without compromising the data’s security.
  

How it’s used in secure payment systems

When a customer enters payment details online, the data is encrypted before being transmitted. This way, even if data is intercepted, it remains unreadable without the decryption key. Stored payment data, such as saved credit cards on ecommerce sites, can also be encrypted for added security.

Benefits of using encryption for businesses

• Data protection in transit: As data travels from the user to the server (or vice versa), encryption guarantees that if the data is intercepted, it will remain unreadable.
  
• Stored data security: Encrypted data, when stored, adds a layer of protection against unauthorized access or breaches, making raw data extraction more challenging.
  
• Regulatory compliance: Certain regulations, especially Payment Card Industry Security Standards (PCI DSS), require data encryption to safeguard customer information. Compliance helps businesses maintain their operational status and avoid sanctions.
  

Payment gateways

A payment gateway is a service that facilitates online transactions by transmitting information between a business’s website or app and a bank or payment processor. It validates the customer’s card details, ensures funds are available, and authorizes payment transfers, all within a matter of seconds.

Core components

• Encryption: The gateway encrypts payment details to protect data security during transmission.
  
• Bank verification: The encrypted data is sent to the customer’s bank to verify the payment details are authentic and the funds are available.
  
• Transaction approval or denial: The bank sends a response to the business and customer, either approving or denying the transaction.
  

How it’s used in secure payment systems

When a customer chooses to pay for a product or service online, the payment gateway handles the transaction, like a digital version of a physical point-of-sale (POS) terminal. The payment gateway ensures the funds are transferred from the customer’s account to the business’s account securely and promptly.

Benefits of using payment gateways for businesses

• Unified payment solution: Payment gateways often support a variety of payment methods, from credit and debit cards to digital wallets, which streamlines the transaction process.
  
• Real-time transaction processing: Immediate payment verification and processing means businesses can confirm orders and services instantly.
  
• Enhanced security: Advanced payment gateways include built-in security features, such as encryption and fraud detection, tailored to the unique needs of online transactions.
  

Tokenization

Tokenization is a security technique that replaces sensitive data, such as credit card numbers, with a nonsensitive equivalent known as a “token.” These tokens are unique identifiers that have no meaningful value on their own and cannot be reverse-engineered to retrieve the original data.

Core components

• Token generation: Once a customer provides payment data, the tokenization system generates a unique token in place of the actual data.
  
• Secure data vault: The original sensitive data is stored securely in a central vault, while the nonsensitive token is used in its place for transactions.
  
• Detokenization: If necessary, the process can be reversed, and the token exchanged for the original data in the secure vault.
  

How it’s used in secure payment systems

When a customer inputs payment details for online purchases, tokenization systems replace this data with tokens. This means that during subsequent transaction processes, sensitive data isn’t passed around or stored in multiple locations. Instead, the token circulates, ensuring a secure transaction.

Benefits of using tokenization for businesses

• Data breach protection: In the event of a security incident, exposed tokens won’t compromise the underlying payment data. Instead, they offer a protective layer against potential fraud.
  
• Simplified compliance: Handling tokens rather than raw payment data can simplify the process of complying with industry standards, such as PCI DSS, because tokens fall outside the purview of many regulatory requirements.
  
• Versatile application: Beyond payments, tokenization can secure other types of sensitive data like Social Security numbers or personal details, enhancing overall data protection strategies.
  

Multifactor authentication (MFA)

Multifactor authentication is a security process that requires users to provide multiple forms of identification before the system will grant access or approve transactions. By ensuring that users prove their identity through more than one validation mechanism, multifactor authentication provides an additional layer of defense.

Core components

• Knowledge factor: Something the user knows, such as a password or PIN.
  
• Possession factor: Something the user has, such as a smart card, security token, or a text message sent to their phone.
  
• Inherence factor: Something inherent to the user, such as a fingerprint, facial recognition, or voice pattern.
  

How it’s used in secure payment systems

During payment or account access, MFA might require users to enter a password followed by a one-time code sent to their mobile device. By requiring verification from two or more sources, MFA makes it difficult for unauthorized users to gain access.

Benefits of using multifactor authentication (MFA) for businesses

• Enhance security: MFA drastically reduces the risk of unauthorized access, adding layers that a potential attacker must bypass.
  
• Reduce fraud: By ensuring that only authenticated users can complete transactions, MFA can significantly decrease the risk of fraudulent payments.
  
• Boost customer confidence: Clients know that their accounts and payment details are safeguarded with advanced security measures, which encourages trust in the business.
  
• Adaptive security: Some MFA systems can adjust authentication requirements based on perceived risk—for example, if a user tries to log in from an unfamiliar location.
  

Digital wallets

A digital wallet is an electronic tool that allows users to store payment information, such as credit or debit card details or digital currencies, in a secure digital environment. These wallets enable users to make transactions without the need for physical cards or cash, often using a mobile device or online platform.

Core components

• Secure storage: Digital wallets keep user payment data encrypted and protected within the application or device.
  
• Quick access: Users can select their preferred payment method stored in the wallet to make fast and efficient transactions.
  
• Additional features: Many digital wallets also offer features such as transaction tracking, rewards integration, or contactless payments via technologies like NFC (near-field communication).
  

How it’s used in secure payment systems

When making a purchase online or at a physical store, customers can choose their digital wallet as a payment option. This often involves scanning a QR code, using NFC for contactless payment, or selecting the wallet option during online checkout. The wallet manages the transaction using the stored payment data, which speeds up the transaction and minimizes the exposure of sensitive payment details.

Benefits of using digital wallets for businesses

• Streamlined transactions: Digital wallets can expedite the payment process, leading to faster checkouts and improving the customer experience.
  
• Reduced payment friction: Fewer steps and increased speed can lead to lower cart abandonment rates in online shopping scenarios.
  
• Enhanced security: Encryption and tokenization, which are often built into digital wallets, can offer a more secure way of processing payments than traditional methods.
  
• Loyalty and rewards integration: Businesses can integrate reward programs directly into the digital wallet experience, encouraging repeat business and enhancing customer engagement.
  

EMV chip cards

EMV (which stands for Europay, Mastercard, and Visa) chip cards are credit and debit cards equipped with a small microprocessor chip. This chip enhances security by generating a unique transaction code for each purchase, making it difficult for fraudulent actors to replicate or counterfeit the card (compared to traditional magnetic stripe cards).

Core components

• Microprocessor chip: This chip securely stores the cardholder’s information and facilitates data authentication.
  
• Unique transaction codes: For every transaction, the chip creates a one-time code, making duplicate transaction data ineffective for future unauthorized transactions.
  
• Dual authentication options: EMV cards can use either chip-and-PIN or chip-and-signature methods for user authentication.
  

How it’s used in secure payment systems

When a customer makes a purchase using an EMV card, they insert or “dip” the card into a terminal designed to read the chip. The chip interacts with the terminal to verify the card’s authenticity and often requires the user to input a PIN or provide a signature. This process facilitates a high level of security for in-person transactions.

Benefits of using EMV chip cards for businesses

• Enhanced transaction security: The dynamic nature of transaction codes ensures that stolen data from one transaction cannot be reused, reducing the risk of card-present fraud.
  
• Global acceptance: Because many countries have adopted EMV standards, businesses with EMV-capable terminals can serve international customers more easily.
  
• Reduced liability: With the EMV liability shift, businesses that have not adopted EMV-compliant systems may bear the cost of fraud resulting from chip card transactions. Adopting EMV can therefore protect businesses financially.
  
• Preservation of brand reputation: Secure transaction methods such as EMV can boost customer confidence and protect a business’s reputation from the fallout of potential fraud incidents.
  

Fraud detection systems

Fraud detection systems (FDS) are advanced solutions designed to identify and prevent suspicious or unauthorized activities, particularly in financial transactions. These systems use algorithms, pattern recognition, and machine learning to flag unusual behaviors, helping businesses intercept potentially fraudulent activities before they result in financial losses.

Core components

• Real-time analysis: FDS monitors transactions constantly to detect anomalies as they happen.
  
• Historical data comparison: By comparing current activities with past behaviors, the system identifies deviations that could indicate fraud.
  
• Machine learning: Modern FDS can adapt and improve detection capabilities based on new data, learning from every transaction and adjusting their predictive models accordingly.
  
• Alert systems: Upon detecting suspicious activity, the system sends alerts to the concerned parties for immediate action.
  

How it’s used in secure payment systems

During online or offline transactions, the FDS continuously monitors and analyzes the flow of data. If a transaction appears suspicious—for example, if a purchase is made in a different country shortly after one was made in the user’s home country—the system may flag it, leading to additional verification steps or temporarily halting the transaction for further review.

Benefits of using fraud detection systems for businesses

• Immediate threat detection: Real-time monitoring ensures that threats are identified as soon as they arise, minimizing potential damages.
  
• Financial protection: By reducing the occurrence of successful fraudulent transactions, businesses can avoid losses and associated costs.
  
• Boosted customer trust: When customers know that advanced systems guard their financial transactions, customer trust in the platform or service increases.
  
• Operational efficiency: Automated fraud detection minimizes manual oversight and intervention, streamlining the transaction process while maintaining high-security standards.
  

PCI DSS compliance

PCI DSS stands for Payment Card Industry Data Security Standards. It’s a set of security standards designed to ensure that all businesses that accept, process, store, or transmit credit card information maintain a secure environment. Major credit card companies created PCI DSS with the goal of protecting cardholder data from theft while securing and strengthening payment card transaction systems.

Core components

• Data protection: PCI DSS mandates that businesses encrypt cardholder data, especially when it is transmitted across public networks.
  
• Access control measures: Only authorized individuals should have access to cardholder data.
  
• Regular monitoring and testing: This involves constant monitoring of network resources and cardholder data, coupled with regular security systems and processes testing.
  
• Information security policy: Companies need to have a comprehensive, clear set of policies addressing information security for all personnel.
  

How it’s used in secure payment systems

When a transaction takes place that involves cardholder data, businesses that adhere to PCI DSS guidelines make sure the data is protected at every stage. From the moment a customer swipes their card or enters their card number online, to the storage and processing of this information, the standards protect encryption, secure storage, and restricted access.

Benefits of using PCI DSS compliance for businesses

• Ample data security: Following these standards significantly reduces the risk of data breaches and unauthorized access.
  
• Enhanced reputation: Businesses that adhere to PCI DSS are viewed as more trustworthy because customers know their card information is treated with the highest level of security.
  
• Avoidance of penalties: Noncompliance can result in hefty fines or penalties, and compliance avoids such financial setbacks.
  
• Framework for other security measures: The expansive structure of PCI DSS can serve as a foundation for further security protocols and practices, promoting a comprehensive security mindset within the organization.
  

Bank-specific systems

Bank-specific systems refer to proprietary technologies and protocols that individual banks or financial institutions use to bolster the security and efficiency of their transactions. These systems often encompass a range of software and hardware solutions tailored to the bank’s specific needs and customer base. They might include authentication methods, transaction processing protocols, and customer interface solutions.

Core components

• Custom authentication: Unique methods that the bank employs to validate user identities, which might range from biometrics to specialized hardware tokens.
  
• Transaction monitoring: Proprietary algorithms that detect unusual transaction patterns specific to the bank’s customer behaviors.
  
• Integrated hardware solutions: Devices such as ATMs or mobile card readers designed to work seamlessly with the bank’s internal systems.
  
• User interface and experience: Custom applications or online platforms designed for customers to interact with their accounts securely.
  

How it’s used in secure payment systems

When a customer initiates a transaction, whether it’s a fund transfer, payment, or balance check, the bank-specific system validates user identity, processes the transaction following the bank’s unique protocols, and reinforces the data’s security throughout. For instance, some banks might send a one-time password (OTP) to a user’s registered phone number during an online transaction, while others might request a fingerprint scan on a mobile banking app.

Benefits of using bank-specific systems for businesses

• Tailored security: Banks can design their systems based on the specific threats they face and the needs of their customer base, offering a more refined security approach.
  
• Enhanced customer experience: By controlling their systems, banks can ensure that customers have a tailored, user-friendly experience, which generates increased enthusiasm and loyalty for the brand.
  
• Rapid incident response: If a security issue arises, banks can quickly address it without waiting for third-party vendors, minimizing potential damage.
  
• Integrated ecosystem: With bank-specific systems, banks can integrate everything from mobile apps to in-branch technologies under one umbrella, ensuring consistent, efficient operations.
  

How to choose a secure payment system

Choosing a secure payment system is an investment in your business’s long-term success. Focus on compliance, flexibility, and scalability to ensure your transactions are protected and your customers feel safe at checkout.

Here’s how to approach this process.

Prioritize compliance and fraud detection

Start by looking for a payments provider that’s certified for PCI DSS Level 1, which ensures they meet the most stringent standards in the payments industry. Also consider fraud detection and prevention features and multifactor authentication that can reduce your risk of payment fraud and data breaches.

Evaluate supported payment methods

Customers don’t all pay the same way. Make sure your payment system supports a variety of payment methods, including cards, digital wallets, and bank transfers. The more flexible your system, the better.

Assess integration capabilities

Your payment system needs to be able to communicate with your existing platforms, whether that’s a website, POS system, or inventory management software. Look for a system you can easily connect to your current setup.

Check the pricing

It’s important to understand the pricing model of any payments provider you might use, including transaction fees, monthly fees, setup costs, and chargeback penalties. Watch out for hidden charges that could add up over time.

Understand how it will scale

You want infrastructure that can grow with your business. Make sure the payment system can handle international payments, multiple currencies, and large transaction volumes without compromising performance or security.

Por que o uso de sistemas de pagamento seguros é tão importante

As transações comerciais modernas geralmente ocorrem eletronicamente, e cada uma delas é uma garantia implícita da empresa de que eles protegerão os dados financeiros do cliente. Estas são as razões pelas quais é tão importante para as empresas usar sistemas de pagamento seguros:

• Confiança e reputação
  A reputação de uma empresa é um de seus ativos mais valiosos. Cada transação segura fortalece essa confiança, enquanto qualquer violação, por menor que seja, pode corroer anos de boa reputação. Os clientes querem saber que seus dados sensíveis são tratados com o máximo cuidado. Garantir uma segurança de pagamentos de alto nível é uma mensagem clara para os clientes de que a empresa valoriza sua confiança e está comprometida em proteger seus interesses.

• Estabilidade financeira
  Além do risco evidente de perda financeira decorrente de fraudes, há a ameaça iminente de multas e penalidades por não conformidade com as regulamentações do setor. Sistemas de pagamento seguros ajudam as empresas a evitar esses custos. Por exemplo, em 2023, o custo médio global de uma violação de dados foi de quase US$ 4,5 milhões, um aumento de 15% em 3 anos — uma quantidade impressionante que pode desestabilizar muitas empresas.

• Continuidade operacional
  Uma violação de segurança pode interromper as operações comerciais. Resolver as consequências de um ataque — seja para reembolsar clientes afetados, abordar consultas regulatórias ou reformar sistemas comprometidos — pode desviar recursos das operações principais de negócios e dos esforços de crescimento.

• Diferenciação competitiva
  Em mercados saturados, as empresas estão sempre buscando maneiras de se diferenciar da concorrência. A implementação e a comunicação sobre segurança de pagamentos de primeira linha podem ser um diferencial. É mais provável que os clientes se envolvam com uma empresa quando a percebem como segura, especialmente em setores em que as transações financeiras essenciais para a experiência do usuário.

• Adaptabilidade e preparo para o futuro
  O mundo do comércio está em constante fluxo, com novas tecnologias, formas de pagamento e preferências dos clientes surgindo regularmente. Um sistema de pagamentos sólido e seguro garante que a empresa não só esteja protegida no presente, mas também preparada para se adaptar e integrar avanços futuros com o mínimo de atrito.

Criar e manter um sistema de pagamentos seguro é importante para qualquer empresa. É um investimento não apenas em tecnologia, mas em confiança, estabilidade operacional e adaptabilidade futura.