--- title: 5 Best Practices for POS Credit Card Terminal Security description: If you accept credit card payments, you should be following these five best practices to secure your POS equipment. image: https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/credit-card-terminal.svg --- [tel:1-800-601-0230](tel:1-800-601-0230) 800-601-0230 - Features - Solutions - Developers - [Pricing](https://www.payjunction.com/payments/pricing.html) - Resources [See a Demo](https://www2.payjunction.com/tour-payjunction) Features - EXPLORE PRODUCTS [No-code Payments Integration®](https://www.payjunction.com/payments/no-code-payments-integration.html) [ZeroTouch Terminal](https://www.payjunction.com/payments/smart-terminal.html) [Portable Terminal](https://www.payjunction.com/payments/portable-credit-card-reader-terminal.html) - ACCEPT PAYMENTS [Invoices](https://www.payjunction.com/payments/electronic-invoices.html) [ACH Electronic Checks](https://www.payjunction.com/payments/ach-payments.html) [SmartSurcharge®](https://www.payjunction.com/payments/smart-surcharge.html) [Cards on File](https://www.payjunction.com/payments/store-credit-card-info.html) [Rapid Refunds](https://www.payjunction.com/payments/credit-card-refund.html) [Recurring Billing](https://www.payjunction.com/payments/recurring-payments.html) [Ecommerce](https://www.payjunction.com/payments/ecommerce-merchant-services.html) [Mobile App](https://itunes.apple.com/us/app/payjunction/id1324839420?ls=1&mt=8) - EXPLORE CAPABILITIES [Overview](https://www.payjunction.com/payments/payment-processing-solutions.html) [Integration Marketplace](https://integrations.payjunction.com/) [Remote Signature](https://www.payjunction.com/payments/signature-capture.html) [Multi-Location](https://www.payjunction.com/payments/enterprise-payments.html) [Sales Reports](https://www.payjunction.com/payments/sales-reports.html) [Search and Export](https://www.payjunction.com/payments/transaction-history-search.html) [Customization](https://www.payjunction.com/payments/custom-payment-software.html) Solutions - [Veterinary Streamline payment workflows and get paid faster with up-front deposits and payment schedules for high-cost procedures. 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Simply locking your cash drawer isn’t enough if you accept credit card payments. Fraud costs businesses and consumers alike. According to the [Federal Trade Commision](http://www.ftc.gov/news-events/blogs/business-blog/2017/03/consumer-complaint-data-more-just-ballpark-figures), consumers reported over $744 million in fraud complaints in 2016. These complaints can impact the buyer perception of businesses that are breached or neglectful of fraud occurring on their premises. By implementing a device security protocol, you can stay on top of your business’s PCI compliance and actively prevent fraud. ## Keep Track of Your Inventory It’s a best practice to label and store documentation for all the POS equipment you use to process payments. Such equipment could include your credit card terminals, desktop or laptop computers, and credit card readers. Labeling or denoting the serial number, location, model and any associated notes regarding the hardware and its condition will help you spot any discrepancies or signs of tampering. ## Payment Processing Demo Schedule 15 minutes with a payments expert Get a customized PayJunction product walk-through Understand requirements and pricing Determine your SAVINGS! GET DEMO NOW ## Inspect Your Credit Card Terminal Regularly Establish a routine for examining your devices for signs of tampering. These include the following: - Items plugged into ports - Scratches on the plastic covering, especially near seams and connection ports - Objects attached in front of or behind card swiper slots Keep an eye out for USB thumb drives, as they’re becoming increasingly small and are easy to miss when inspecting your devices. To give your POS equipment a full inspection, completely unplug it and examine the underside, the back and the front for anything plugged into ports or attached to the credit card terminal. Do this for all terminals and swipers at your business. All it takes is one fraudster to start a breach at your business. Formally examine your devices on a monthly basis and keep an eye out for suspicious behavior. ## Train Your Employees to Spot Fraud Fraudsters are finding increasingly creative ways to execute their plans. If your business receives an unannounced visit from an unidentified person asking to perform maintenance or fix your credit card terminal, call your provider and inquire about the person before letting them touch your POS credit card terminal or other processing hardware. This person may be attempting to attach a skimming device to your terminal. Similarly, if you receive a package with replacement equipment you did not order, call your provider before plugging it in and swapping out any of your payment devices. As a business owner, you might not be at the cash register to spot suspicious behavior at checkout. Foster an environment of vigilance so that your employees can recognize suspicious activity when they see it and can report the activity efficiently to management. ## Adhere to PCI Best Practices All of the aforementioned security best practices are part of maintaining a PCI compliant business. If you’re having trouble being PCI compliant, you might want to consider partnering with a [PCI Level 1 Merchant Account Provider](https://blog.payjunction.com/payjunction-security-pci-dss-compliance/). When you partner with a trusted provider, you’ll receive guidance for becoming PCI compliant as well as opportunities to reduce your [PCI scope](https://blog.payjunction.com/pci-scope-defined/). This helps you reduce the number of devices that store, process or transmit credit card data so that you can become PCI compliant more easily. ## Upgrade to EMV Technology If you’re still using an old-school credit card terminal that [isn’t EMV-ready](https://blog.payjunction.com/emv-compliance-year-later/), you’re leaving your business open to another liability. Only [EMV- ready terminals](https://blog.payjunction.com/emv-terminal-certification-explained/) can properly process EMV transactions, which are more secure than magstripe transactions. Issuing banks want businesses to adopt this fraud-prevention technology and are incentivizing the measure by penalizing businesses that swipe EMV chip transactions with chargebacks. These bank-initiated chargebacks have nothing to do with purchase satisfaction — they’re merely a means of incentivizing EMV adoption. Furthermore, because EMV technology is more secure, fraudsters are targeting businesses that are slow to adopt this technology. Make updating your POS equipment a priority to reduce fraud and potential losses due to the [liability shift](https://blog.payjunction.com/emv-liability-shift-explained/). ## Learn more about reducing your PCI scope. [![READ ABOUT MIDDLEWARE](https://no-cache.hubspot.com/cta/default/635739/3b347ac6-8bee-4f83-ba59-ab607b8ad9b8.png)](https://cta-redirect.hubspot.com/cta/redirect/635739/3b347ac6-8bee-4f83-ba59-ab607b8ad9b8) Does your business have a device security protocol in place? Have you considered how your credit card terminal could be subject to fraud? We’d love to hear from you! *Editor's Note: This post was originally published in January 2018 and has been updated for comprehensiveness and accuracy.* [API](https://blog.payjunction.com/topic/api) [Security](https://blog.payjunction.com/topic/security) [Business Tips](https://blog.payjunction.com/topic/business-tips) --- ##### [![Electronic Payment Processing: 3 Pain Points And How To Deal With Them](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/electronic-payment-processing.svg) Electronic Payment Processing: 3 Pain Points And How To Deal With Them](https://blog.payjunction.com/electronic-payment-processing) ##### [![Retail Credit Card Processing: Evolve and Meet Your Business Needs](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/retail-credit-card-processing.svg) Retail Credit Card Processing: Evolve and Meet Your Business Needs](https://blog.payjunction.com/retail-credit-card-processing) ###### About Author ![Picture of Christina Lavingia](https://blog.payjunction.com/hs-fs/hubfs/Christina%20Lavingia%2c%20Content%20Marketing%20Manager.jpg?width=200&height=200&name=Christina%20Lavingia%2c%20Content%20Marketing%20Manager.jpg) ### Christina Lavingia Christina Lavingia delights in crafting content that helps business owners fight fraud, reduce risk and process payments with ease. ###### Related Posts ## [![POS Credit Card Terminal: The Advanced Shopping Guide](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/credit-card-terminal-guide.svg) POS Credit Card Terminal: The Advanced Shopping Guide Investing in a POS credit card terminal carries obvious benefits. A combined 75 percent of consumers prefer to shop with a credit or debit card, so accepting credit cards opens your business up to a wider market than businesses that only accept cash. Some modern credit card terminals can also process alternative forms of payment, such as mobile payments. One downside is that researching credit card processing terminals can be daunting. What do you really need to know about EMV, NFC and PCI DSS?](https://blog.payjunction.com/credit-card-terminal-guide) ## [![The Challenge In Obtaining a Working Credit Card Chip Reader](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/emv-compliance-year-later.svg) The Challenge In Obtaining a Working Credit Card Chip Reader “Why are we using these slow EMV cards?”](https://blog.payjunction.com/emv-compliance-year-later) ## [![How to Fight a Chargeback (and Win)](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/fight-win-chargeback.svg) How to Fight a Chargeback (and Win) Credit card fraud is bad for everyone but the fraudster. As a consumer, you might spot fraudulent transactions on your credit card statement that send you into a panic. 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