PCI Compliant Payment Processing Canada

If you’re a Canadian merchant who accepts, stores or transmits credit card information of any kind, you must comply with the data security guidelines established by the Payment Card Industry (PCI).

It doesn’t matter if you’re a for-profit business or a nonprofit organization, and it doesn’t matter if you only use credit card information to manage an in-house loyalty program — PCI compliance is an official requirement for maintaining your merchant account.

Failure to satisfy this requirement could lead to extra fees and penalties. Noncompliance also dramatically increases the chances of getting hacked by criminals and thieves.

What Is PCI Compliance?

First introduced in 2006 by the PCI Security Council, the PCI Data Security Standards (DSS) is a rigorous set of guidelines designed to help merchants, banks and customers safeguard sensitive credit card information.

When these guidelines are correctly followed, it makes it easier for you to prevent, detect and report suspicious activity within your payment environment.

These data security rules are updated on a regular basis to keep pace with evolving hacking methods. In other words, PCI compliance is more of an ongoing process than a one-off checklist.

How Canadian Merchants Determinine If they’re PCI Compliant

The PCI compliance rules are not universally applicable to all merchants. There are four different levels. Which one you must follow depends on a number of variables, including:

  • Your monthly (or annual) transactional volume
  • Your business type or merchant risk level
  • How you capture, store and use payment data

By taking a self-assessment questionnaire (SAQ), you can determine what PCI level is most appropriate for your business. Depending on that level, you may also need to conduct a vulnerability scan to verify whether your payment environment is truly up to date.

BluePay’s Approach to PCI Compliant Payment Processing

It's easy to feel overwhelmed by all of the PCI compliance rules. After all, you're a business owner – not a data security expert. At BluePay, we make compliance incredibly simple.

For starters, we offer intuitive PCI self-assessments to help you easily determine the most appropriate level for your business. We also partner with Trustwave to provide robust vulnerability scanning.

Moreover, PCI-compliant data security is baked into all of our payment processing — whether your organization uses our physical credit card terminals or online payment gateways.

Additionally, we offer a host of features to help further safeguard payment data, including:

  • Tokenization, point-to-point encryption and fraud management filters. These tools help to protect you from malicious attacks within your payment environment.
  • Hosted payment pages. For e-commerce merchants, this payment option can reduce your PCI scope since credit card data never enters your payment environment (i.e., website). Instead, this information is captured and stored on our secure third-party servers.
  • EMV terminals. For brick-and-mortar merchants, these chip-enabled readers make it harder for criminals to use cloned credit cards for unauthorized purchases at your point of sale (POS).

Becoming PCI Compliant With BluePay

Have more questions about BluePay’s PCI Compliant payment processing in Canada? Are you worried that your payment environment isn’t as secure as it could be? We’re here to help.

To learn how our secure payment processing can help shield you from attacks and protect your customers’ sensitive financial data, schedule a free consultation with BluePay’s PCI compliance team today.

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