Comment Re:You need to store something for monthly billing (Score 2, Insightful) 141
Reason to store Card Info: The customer WANTS them too. I'm sure by now you've come across an online store that ASKED if you wanted them to save it for next time. I use this with Dell and New Egg. If they don't ask then it's a problem, but for everyone else it's the CUSTOMER'S responsibility to make the decisions as to whether or not they trust the company.
Reason to be connected to the intarweb: They PROCESS the cards online (via authorize.net, for example).
I write e-commerce apps for a living. My usual policy (unless the clients demands something else) is to take the card numbers, save them encrypted in a database, wait until a store employee reviews their order to make sure it is okay to ship, charge the card (via authorize.net), ship it, close the order and delete the security code, expiration date, and all but the last 4 digits of the card number.
Thus if (god forbid) someone were to break in the only card numbers they would have access to are orders which have been placed but not shipped yet, and even those would be encrypted unless they also got the encryption key. It's quite likely that an order will be shipped within an hour of it being placed, so the risk involved is almost nothing.
There will always be risk involved, no matter how secure you build a system (or ignorantly THINK you have). Deciding whether or not to allow a company to save your card info is simply saying how much risk you are willing to take.
Reason to be connected to the intarweb: They PROCESS the cards online (via authorize.net, for example).
I write e-commerce apps for a living. My usual policy (unless the clients demands something else) is to take the card numbers, save them encrypted in a database, wait until a store employee reviews their order to make sure it is okay to ship, charge the card (via authorize.net), ship it, close the order and delete the security code, expiration date, and all but the last 4 digits of the card number.
Thus if (god forbid) someone were to break in the only card numbers they would have access to are orders which have been placed but not shipped yet, and even those would be encrypted unless they also got the encryption key. It's quite likely that an order will be shipped within an hour of it being placed, so the risk involved is almost nothing.
There will always be risk involved, no matter how secure you build a system (or ignorantly THINK you have). Deciding whether or not to allow a company to save your card info is simply saying how much risk you are willing to take.