Protecting payments with advanced security: Your cheat sheet from Till

In today’s fast-paced digital world, securing your payment systems is more critical than ever. With cyber threats on the rise, protecting your customers’ data and ensuring secure transactions is no longer a nice-to-have—it’s a must. Whether you’re a merchant, an Independent Sales Organisation (ISO), or an Independent Software Vendor (ISV), having robust security measures in place can make all the difference when it comes to building trust and reducing financial risk. That’s where Till comes in. We’re committed to providing a secure payment experience that not only keeps your business safe but also keeps your customers coming back.

Here’s your five-part cheat sheet on how Till protects your business and your customers:

1. PCI Compliance – taken care of, automatically

PCI DSS (Payment Card Industry Data Security Standard) is a set of rules that protect cardholder data during and after transactions. For any business accepting card payments, being PCI compliant isn’t just recommended—it’s required. Failure to comply could lead to penalties, reputational damage, or worse, losing the ability to accept cards altogether. With Till, your PCI compliance is automatic for all online and terminal transactions, giving you one less thing to worry about.

What it means for you: 

By choosing Till, you’ll benefit from PCI compliance that protects cardholder data through encryption and strict access controls, preventing unauthorised access. This ensures sensitive card data stays secure throughout its lifecycle, boosting customer confidence and keeping your business running smoothly.

2. 3DS2 – advanced authentication for a smoother checkout

3D Secure 2.0 (3DS2) is the next generation of cardholder authentication, designed to make transactions safer while offering a seamless user experience. Till integrates 3DS2 into every eCommerce payment, adding an extra layer of security without causing friction for your customers.

Why it’s essential: 

• Reduces fraud by authenticating transactions securely.

• Keeps checkout fast and simple – most customers won’t even notice it’s there.

• Lowers the risk of cart abandonment due to fewer interruptions.

• Optimised for mobile, which is crucial as more shoppers move to mobile transactions.

With Till, you can rest easy knowing that fraud risks are lower, and your customers can enjoy a frictionless shopping experience.

3. Tokenisation – secure payments made easy

Tokenisation is a game-changer for payment security. Rather than storing sensitive card data, Till replaces it with a unique token for each transaction. If intercepted, these tokens are useless to cyber criminals, making your payment system significantly more secure.

How it works for you: 

• Every transaction generates a one-time-use token, keeping your customers' real card data hidden.

• Tokens are specific to each transaction, ensuring they can’t be reused.

• Sensitive card details are stored securely in a vault, far from prying eyes.

By choosing Till, you get peace of mind knowing that tokenisation not only reduces the risk of data breaches but also helps simplify compliance with PCI DSS requirements. Whether you’re managing recurring payments or processing one-off transactions, Till has you covered.

 4. Tackling MOTO transaction risks

Mail Order/Telephone Order (MOTO) transactions offer a convenient way for businesses without an online store to accept payments remotely. However, because customers don’t present their cards in person, MOTO transactions carry higher fraud risks. Verifying payments without physical cards is tough, leaving merchants vulnerable to fraud, chargebacks, and data theft.

A secure solution: Till’s Payment Links 

Till’s Payment Links offer a secure, flexible alternative to traditional MOTO transactions. Instead of manually taking card details, you send customers a secure payment link via SMS or email, directing them to a secure checkout page where they can complete the payment safely.

Key benefits: 

• No more manual entry of sensitive data, reducing the risk of errors and fraud.

• Customers can pay using their preferred method, with data protected by tokenisation.

• A simple, efficient payment experience that boosts customer satisfaction.

 5. Enhanced ID verification processes 

Security is at the heart of everything we do at Till, which is why we’ve enhanced our ID verification procedures for account changes and requests. These extra steps ensure that any sensitive modifications, like updating bank account details or changing authorised account managers, are thoroughly verified to protect your business from fraud.

What’s new: 

Whenever you request changes, we’ll ask for additional information such as:

• License number and date of birth.

• Transaction Identifier (TID) or the last deposit date.

• A code sent to your registered mobile or email for validation.

Once the information is verified, our Merchant Risk Team and Credit Underwriting will carefully assess any risks before proceeding. This level of protection keeps your account secure while maintaining your business’s integrity.

Stay secure with Till

At Till, we’re all about making payments fast, easy, and secure. With advanced features like PCI compliance, 3DS2 authentication, tokenisation, and secure MOTO solutions, we help you reduce risks, improve efficiency, and ensure your payments are protected every step of the way.

Have questions? We’re here to help. For more details on our security features or to get assistance with your account, head to support.tillpayments.com and click ‘Submit a request’.