Gateway Security

Over the past few weeks, we have seen an increasing number of transactions that are processed remotely, via an API, from eastern Europe and other far reaches of our world. These attempts to process credit card information may have resulted in some approved sales that you may or may not recognize or make much sense in the grand scheme of things as they relate to your normal billing amounts. Your accounts have not been directly impacted, however, with the possibility of transactions that have been completed being put into dispute status with the processor, we are urging you to take immediate action and update information on your account immediately.

In an effort to minimize the possibility of fraudulent transactions being processed, we have implemented a merchant PIN system that will require all transactions to be accompanied by the PIN in order for the transaction to process and settle. It is possible to have the PIN added to your account immediately, however, if you have a website that accepts payments in addition to simply using the virtual terminal, you will need to have your web programmer insert a line of code into your shopping cart/payment pages that has the PIN so that transactions from your website will be able to be processed, as usual. This process should limit the chance that payments are made to you in a fraudulent manner and help to make your site more secure. Should you simply be using the virtual terminal as a stand-alone system, entering the PIN will not modify any of your normal processing routine, but will prevent any API (outside sources) attempting to see if your account is legitimate from being able to even process any charges.

To update your account and have a PIN generated for your protection, please login to your Merchant Partners virtual terminal system using your account credentials and on the left column, please look for the box that says "FRISK(TM) Management" and click on the "Configure Options" link. Once there, scroll down to the very bottom of the page to the last section called "API Controls" and click on the "Edit" link to the right of the "Merchant PIN" field. On that screen, you will need to click on the "Generate New PIN" button and in the bottom section called "Merchant PIN for Transaction Processing," please select the "Require Merchant PIN for transaction processing" radio button and finally hit update. A PIN will now have been generated for you and your account is now updated. Please remember that if you have a website, your website sales/donations will NO LONGER FUNCTION OR ACCEPT PAYMENTS until the PIN has been inserted into the payment pages on your website. Instructions for inserting this PIN into your website are available through the Integration Guide on the Merchant Partners' website.

Should you have any questions related to this update, please feel free to contact us at 201-645-0132. If you have already updated your account(s) with us to have the PIN generated and active, please disregard this message.

Thank you again for your continued business and we look forward to continuing to service your account with us for many years to come.

Best regards,
Credit Cards, NJ
p. 201.645.0132