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Table of Contents

Lead Story

Card acquiring:
Banking's forgotten family member?


Industry Update

Smart phone, smart payment

Open-loop gift card issuers given reprieve

Congress hammers issuers, acquirers spared

Trustwave alerts hospitality sector


Conference on your desktop

MWAA, a focus on opportunities

PCI unlocks a treasure of security content

Acquiring by the numbers

Selling Prepaid

Prepaid in brief

Virtual card delivers instant rewards

Payroll card market opportunities beckon

Rate this market: African immigrants


VoIP not a secure option

Scott Henry

Bad things happen to good people

Biff Matthews
CardWare International


Street SmartsSM:
Trusty tips for terrific networking

Jon Perry and Vanessa Lang

Margin compression: It's in your hands

Jeff Fortney
Clearent LLC

Elegant e-mail marketing

Daniel Wadleigh
Marketing Consultant

Seven steps to a practical PCI program

Tim Cranny
Panoptic Security Inc.

Company Profile

Sterling Payment Technologies

New Products

Wi-Fi installation simplified


Automatic collections with RDC

Electric Check Processing Plus
CrossCheck Inc.

Comprehensive e-commerce platform

Universal Financial Systems Inc.


Strength in cooperation



Resource Guide


A Bigger Thing

The Green Sheet Online Edition

June 08, 2009  •  Issue 09:06:01

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Seven steps to a practical PCI program

By Tim Cranny

The Payment Card Industry (PCI) Data Security Standard (DSS) initiative is moving from looming threat to new reality for small merchants and their service providers. ISOs and processors need to shift their attention from asking, What is PCI? to posing the harder question, How do I execute on this?

The wrong answers to the latter question can cost ISOs time and money - and leave their merchants frustrated and looking for change. The right answers will lead to an approach that will enable ISOs and others on the payment chain to avoid unnecessary cost and inconvenience, while minimizing the risks to ISO portfolios.

Productive actions

Here are seven steps that can help you build a practical, effective and economically sound PCI program for you and your merchant customers.

PCI compliance is still a new world for most ISOs. Many are struggling with the question of how, where and when to put a program in place. If you do it right, you can put together a program that:

Good news, indeed.

Dr. Tim Cranny is an internationally recognized security and compliance expert and is Chief Executive Officer of Panoptic Security Inc. ( He speaks and writes frequently for the national and international press on compliance and technology issues. Contact him at or 801-599 3454.

Notice to readers: These are archived articles. Contact names or information may be out of date. We regret any inconvenience.

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