Moving past PCCharge’s end of life with more modern payment solutions

Verifone's popular PCCharge payment processing platform is reaching the end of its extended lifecycle. Across 2015, Verifone gradually stopped working on, developing, supporting and selling this card processing software.

Although two years have passed since May 2015, when work on the product ended and sales were cut off, a variety of merchants still use PCCharge. The convenience of processing payments through a computer is still present in PCCharge, but small businesses expose themselves to a number of problematic issues related to security and compliance. Let's review some of the concerns that arise with continued PCCharge use and review some more effective alternatives.

Security and compliance concerns

"If your company is still using PCCharge, it's important to consider the risks."

While PCCharge can still process payments, it does so in a way that lacks compliance with the Payment Card Industry Data Security Standard. That could mean serious trouble for businesses using PCCharge. While there's no federal legal requirement to adhere to the PCI DSS and only some states have laws requiring its use, financial penalties for noncompliance exist and are readily issued.

If your business isn't compliant with the PCI DDS and suffers a breach of its payment information, the consequences could extend beyond the direct problems that arise with working with angry customers, securing data and tracking down and fixing the cause of the intrusion. That by itself is a powerful reason to move past the limitations and liabilities of PCCharge and use more secure and modern credit card processing software.

EMV compliance is another major consideration for all small businesses that accept credit and debit card payments. Verifone cited the EMV shift as a reason for discontinuing the sale, support and licensing of PCCharge, noting the change in liability is a significant consideration in terms of its product offerings.

With EMV compliance now required in nearly every industry, it's no surprise developers don't want to continue to provide or support processing platforms that can't adhere to the relevant standards. If your company is still using PCCharge, it's important to consider the risks. With financial liability falling onto the least-compliant party in cases of card-present fraud, businesses that don't follow the EMV standards put themselves in a precarious position.

What's the alternative to using an older and noncompliant system? Using a modern solution that offers a high degree of security and compliance. To learn more, talk to the experts at Cloud 9 today.

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