{"id":205209,"date":"2021-06-24T20:08:26","date_gmt":"2021-06-24T07:08:26","guid":{"rendered":"https:\/\/legalvision.co.nz\/?p=205209"},"modified":"2021-07-12T19:11:52","modified_gmt":"2021-07-12T06:11:52","slug":"online-shop-credit-card-payments","status":"publish","type":"post","link":"https:\/\/legalvision.co.nz\/e-commerce\/online-shop-credit-card-payments\/","title":{"rendered":"Legal Considerations When Accepting Credit Card Payments Online"},"content":{"rendered":"\n<p><span style=\"font-weight: 400\">If you run an eCommerce business, <\/span><a href=\"https:\/\/legalvision.co.nz\/e-commerce\/what-to-consider-when-accepting-payments-online\/\"><span style=\"font-weight: 400\">accepting customers\u2019 payments online<\/span><\/a><span style=\"font-weight: 400\"> will be a fundamental part of your business functioning. I<\/span>t is t<span style=\"font-weight: 400\">herefore<\/span> important<span style=\"font-weight: 400\"> that your payment methods offer both variety and security for your customers. <\/span>For instance, s<span style=\"font-weight: 400\">ome customers may prefer to use internet bank transfer systems<\/span>. On the contrary, <span style=\"font-weight: 400\">others may prefer credit or debit cards. Whatever options you offer, you need to maintain security and comply with any relevant regulations. This is especially i<\/span>mportant<span style=\"font-weight: 400\"> i<\/span>f<span style=\"font-weight: 400\"> you <\/span><a href=\"https:\/\/legalvision.com.au\/payments-and-compliance-accepting-credit-card-payments-online\/\"><span style=\"font-weight: 400\">accept credit card payments<\/span><\/a><span style=\"font-weight: 400\">. For some guidance, this article will go through various legal considerations when accepting credit card payments online.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"font-weight: 400\">Accepting Credit Card Payments Online<\/span><\/h2>\n\n\n\n<p>I<span style=\"font-weight: 400\">f you want to accept credit card payments online, you will likely do so through:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">a payment gateway; or<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">an all-in-one payment solution such as PayPal.<\/span><\/li><\/ul>\n\n\n\n<p><span style=\"font-weight: 400\">A payment gateway is a third party payment processing software that manages online payment. Importantly, you can integrate this function into your site or direct customers to the payment gateway\u2019s website as part of their transaction. However, these companies will charge you an extra fee to use their service. Some standard payment gateways in New Zealand are:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Stripe;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Windcave;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">eWay; or<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Paystation.<\/span><\/li><\/ul>\n\n\n\n<p>In order t<span style=\"font-weight: 400\">o use these payment gateways, you will need to set up a merchant account with your bank. H<\/span>owever, your bank will<span style=\"font-weight: 400\"> likely have particular ones they support, so do your research and find one that works for you. A<\/span>lternatively<span style=\"font-weight: 400\">, if you use an <\/span><a href=\"https:\/\/legalvision.co.nz\/e-commerce\/legal-considerations-for-shopify-business\/\"><span style=\"font-weight: 400\">eCommerce platform like Shopify,<\/span><\/a><span style=\"font-weight: 400\"> they will have a payment gateway integrated into their systems.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">PayPal is another global payment option that you do not need to use a merchant account for. However, they may charge higher fees that may cost more as time goes on.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"font-weight: 400\">Credit Cards and Privacy<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\">If you handle personal information in New Zealand, your business qualifies as an agency, and you must follow New Zealand privacy law. Personal information is any data that can identify a living individual, so credit\/debit card details can fall under this definition. Therefore, when handling credit card information, you need to meet your privacy obligations. To do so, you must ensure:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">customers know when you collect their credit card information;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">you collect credit card details straight from the source;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">you do not store credit card details for longer than you need;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">any storage facilities are secure;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">customers transmit their credit details over a secure connection;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">you do not disclose credit card details with third parties;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">credit card details are accurate and up to date;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">customers know who has access to their credit card details and that they can correct them; and<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">you provide your contact details.<\/span><\/li><\/ul>\n\n\n\n<p><span style=\"font-weight: 400\">Try to avoid storing credit card or debit card details, as this can increase the risk for your business. I<\/span>t is important to remember that y<span style=\"font-weight: 400\">our payment gateway will likely handle any credit card detail retention, so be sure you understand how you are meeting your privacy obligations when you use one.<\/span><\/p>\n\n\n\n\n<a href=\"#content-next\"\n   class=\"block p-4 mt-10 text-xl font-bold text-center text-white no-underline bg-gray-800 rounded-t-xl\">\n    Continue reading this article below the form\n    <i class=\"text-xl fa-regular fa-arrow-down\"><\/i>\n<\/a>\n<div class=\"px-6 pt-10 pb-12 mb-10 text-center bg-gray-100 rounded-b-xl sm:px-12 test\">\n    <div class=\"mb-8 text-2xl font-bold text-orange\">\n        Need legal advice?\n        <br>\n        <span class=\"text-lg not-prose\">\n                            Call <a href=\"tel:+64800005570\" class=\"not-prose\">0800 005 570<\/a> for urgent assistance.\n                <br>\n                Otherwise, complete this form, and we will contact you within one business day.\n              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Payment card data refers to both credit and debit card details. The PCI DSS\u2019 purpose is to:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">increase consumer confidence in credit card payments;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">lessen the risk of credit card fraud;<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">aid your business in developing security procedures around credit card processing and payment; and<\/span><\/li><li style=\"font-weight: 400\"><span style=\"font-weight: 400\">reduce the risk of credit card security breaches.&nbsp;<\/span><\/li><\/ul>\n\n\n\n<p><span style=\"font-weight: 400\">The standards operate on six goals for security control and outline steps for your business to meet those goals. You can see these goals and potential ways to meet them below.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\n<p><span style=\"font-weight: 400\">Build and maintain a secure network<\/span><\/p>\n<\/td><td>\n<p><span style=\"font-weight: 400\">Ensure you have adequate security protocols in your system. Have a firewall, strong passwords, and do not rely on default login credentials.<\/span><\/p>\n<\/td><\/tr><tr><td>\n<p><span style=\"font-weight: 400\">Protect cardholder data<\/span><\/p>\n<\/td><td>\n<p><span style=\"font-weight: 400\">Secure any cardholder data you deal with, both in storage and transmission. Encrypt this data on your networks, and limit retention where possible to reduce potential fallout from a breach.<\/span><\/p>\n<\/td><\/tr><tr><td>\n<p><span style=\"font-weight: 400\">Maintain a vulnerability management program<\/span><\/p>\n<\/td><td>\n<p><span style=\"font-weight: 400\">Keep anti-virus programmes up to date, and keep your systems\/devices secure. Identify and mitigate any vulnerabilities in your systems.<\/span><\/p>\n<\/td><\/tr><tr><td>\n<p><span style=\"font-weight: 400\">Introduce strong access control measures<\/span><\/p>\n<\/td><td>\n<p><span style=\"font-weight: 400\">Limit access to cardholder data to only those who need it. Ensure that those who have access have a unique user ID and restrict physical access to devices that hold sensitive cardholder data.<\/span><\/p>\n<\/td><\/tr><tr><td>\n<p><span style=\"font-weight: 400\">Regularly monitor and test networks<\/span><\/p>\n<\/td><td>\n<p><span style=\"font-weight: 400\">Keep access logs for all networks that transmit cardholder data, and regularly test your security systems.<\/span><\/p>\n<\/td><\/tr><tr><td>\n<p><span style=\"font-weight: 400\">Develop an information security policy<\/span><\/p>\n<\/td><td>\n<p><span style=\"font-weight: 400\">Have an in-house policy that outlines how you protect information security at your business, for your employees and partners.<\/span><\/p>\n<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><span style=\"font-weight: 400\">It is a good idea to keep records of any security reports or system tests. To do so is beneficial for your own reference and when proving compliance with the PCI DSS if need be. You can complete a <\/span><a href=\"https:\/\/www.pcisecuritystandards.org\/pci_security\/completing_self_assessment\"><span style=\"font-weight: 400\">self-assessment<\/span><\/a><span style=\"font-weight: 400\"> to determine what your business may need to do to be PCI compliant.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"font-weight: 400\">Key Takeaways<\/span><\/h2>\n\n\n\n<p>In conclusion, i<span style=\"font-weight: 400\">f you want to allow p<\/span>ayment<span style=\"font-weight: 400\"> by credit or debit card as an option for your customers, ensure that you know any regulations that apply to this process<\/span>. It is thus important to consider <span style=\"font-weight: 400\">the PCI DSS and New Zealand privacy law. <\/span>Remember, i<span style=\"font-weight: 400\">f you use a payment gateway, they will likely handle most of this process, but you still need to meet your obligations. If you would like more information or help with the legal aspects of accepting credit card payments online, contact LegalVision\u2019s <\/span><a href=\"https:\/\/legalvision.co.nz\/online-business-ecommerce-lawyers-lp\"><span style=\"font-weight: 400\">eCommerce lawyers<\/span><\/a><span style=\"font-weight: 400\"> on 0800 005 570 or fill out the form on this page.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"font-weight: 400\">Frequently Asked Questions<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1620016232435\"><h3 class=\"schema-faq-question\">What does PCI DSS stand for?<\/h3> <p class=\"schema-faq-answer\">PCI DSS stands for the Payment Card Industry Data Security Standard. This is a global standard regulating credit card payments by mandating that businesses take appropriate steps to secure any payment card data they deal with.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1620016257145\"><h3 class=\"schema-faq-question\">What is personal information?<\/h3> <p class=\"schema-faq-answer\">Personal information is any data that you can use to identify a living individual. For instance, this includes names, phone numbers, email addresses, or credit card details.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1620016270013\"><h3 class=\"schema-faq-question\">Should I keep my customers\u2019 credit card details?<\/h3> <p class=\"schema-faq-answer\">As credit card details are personal information, you can only keep them if it is necessary for a business purpose. You should avoid storing this sensitive data, as it increases your risk of a privacy breach, and you need to do more to protect it.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>If you run an eCommerce business, accepting customers\u2019 payments online will be a fundamental part of your business functioning. It is therefore important that your payment methods offer both variety and security for your customers. For instance, some customers may prefer to use internet bank transfer systems. On the contrary, others may prefer credit or<a href=\"https:\/\/legalvision.co.nz\/e-commerce\/online-shop-credit-card-payments\/\">Continue reading <span class=\"sr-only\">&#8220;Legal Considerations When Accepting Credit Card Payments Online&#8221;<\/span><\/a><\/p>\n","protected":false},"author":13236,"featured_media":201815,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","editor_notices":[],"footnotes":""},"categories":[6],"tags":[24,74,81,288,797],"class_list":["post-205209","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-e-commerce","tag-startup","tag-online-business","tag-marketplace","tag-online-marketplace","tag-payment-gateway"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Online Shop Credit Card Payments for Your Business | LegalVision<\/title>\n<meta name=\"description\" content=\"For your online shop, accepting credit card payments comes with legal obligations. 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