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- Top 5 Payment Security Features
Top five security features payment gateways for small businesses must have

3 January, 2025
Synopsis:
- A payment gateway is essential for processing in-store and online payments.
- Small businesses looking to expand online operations need a safe and secure payment gateway to protect customer information and process payments smoothly.
- Always evaluate your customers’ preferences and the payment gateway charges before selecting the one suitable for your business.
Introduction
Selecting the right payment gateway is important for small businesses to ensure secure, seamless transactions. This guide explores the payment gateway security features required for the efficient management of transactions in small businesses.
What are Payment Gateways?
A payment gateway enables businesses to collect, verify, and process customer payments safely. It connects the business’ application or website to the bank, making funds transfer quick and easy. The best part about an online payment gateway is its ability to ensure the integrity and confidentiality of sensitive customer information.
A payment gateway for small businesses is vital to gaining the customer’s trust. It allows payment methods such as Debit Cards, Credit Cards, NetBanking, and digital wallets. It sends the customer’s payment details to the payment processors and the merchant’s account after protecting the data using encryption and other security measures.
Top Five Payment Gateway Security Features
Here’s a look at the top five security measures you must add to the payment gateway for small businesses.
PCI DSS compliance
Before processing Credit and Debit Card payments, a company must follow the international rules and regulations laid down by the Payment Card Industry Data Security Standard (PCI DSS). The primary objective of PCI DSS is to give businesses a standardised approach to fulfil accurate, secure transaction processes and deliver smooth customer experience.
SSL - Secure Socket Layer
SSL encrypts the online connection between the server and the browser, protecting sensitive information from start to end. The security measure ensures that the customer data collected by the payment gateway is transmitted securely.
Data Encryption
Data encryption is the primary security measure payment gateways employ to protect sensitive transaction information. When you enter your card details on the checkout page, the data is encrypted by the payment gateway. The data, now in an alternative code or format, can only be accessed by individuals who have the secret key. Through this measure, the chances of unauthorised data access are reduced.
3D Secure
3D Secure improves online payment security by adding a layer of authentication during purchases made by customers online. Customers are redirected to the bank or Credit Card issuer’s website after they enter their payment details. This step is to verify that the legitimate cardholder is making the purchase. The cardholder must enter a one-time password or authenticate using a fingerprint. 3D Secure helps reduce fraud risks.
Tokenisation
Tokenisation is a security measure that replaces the customer’s sensitive data with a combination of randomly generated numbers. This layer of protection eliminates the merchant’s responsibility to store sensitive information and ensures that the merchant and the customer are safe against fraudulent activities.
Summing up
Small businesses must select the right payment gateway for quick and secure payment processing. You must consider your customers’ behaviour and requirements on the checkout page to make the perfect choice. Are your customers looking for multiple accepted payment methods? Do platform maintenance charges influence their decision? Do customers leave if their transaction fails on the checkout page?
HDFC Bank offers one of the most trusted payment gateways for small businesses. It accepts payments in 15 international currencies and includes fraud prevention tools. Get started today and empower your business with seamless, secure transactions with HDFC Bank SmartGATEWAY!
Also Read: Know about the Different Types of Payment Gateways
Disclaimer: *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances.