Accepting credit and debit cards is essential for any e-commerce Web site. merchant acquirers ranked by general purpose transactions tied to PIN- and signature-based debit cards and credit cards accounted for 64.61 billion transactions in 2013 (Federal Trade Commission, 2012). The use of EMV (Europay, MasterCard, and Visa) chips on cards has pushed more cyber-criminals to attacking on-line (Card Not Present) for fraudulent purposes. If it is used as a debit card, the user must enter the personal identification number (PIN) to authorize the transaction (Velocity Payment services, 2016). Users can use these dual debit cards as one or the other. Many debit cards are actually dual debit/credit cards. Debit cards, sometimes called a check or bank card, draw funds from the user’s bank checking account, not a line of credit although prepaid debit cards do not access the user’s bank account. With their Visa and MasterCard logos, debit cards look like credit cards, but they do not draw money from the same source as credit cards. The security standards and a list of preventive measures that should be used by e-commerce merchants are discussed.Ĭredit and debit cards are Americans' top choice for online shopping, with 48 percent in 2014 preferring to use credit cards, 30 percent using debit cards and 12 percent using PayPal. The issue of credit and debit card fraud in terms of how cyber-criminals function and the solutions used to deter these attempts by the cyber-criminals is covered. The process by which credit and debit card payments are processed beginning with the e-commerce merchant's web site to a card processor or service gateway to the credit or debit card company's network to the issuing bank's network with an accept or decline response being returned to the merchant's shopping cart system via the same networks is discussed. Cyber-criminals have found ways to capture the information on credit and debit cards and use this information to make purchases and remove money from bank accounts which costs merchants lost revenue and chargebacks fees and cost consumers and banks lost funds. AbstractAs the number of purchases over the Internet has increased and the method of payment is a credit or debit card, e-commerce merchants must be able to accept on-line payment using the card data.