With the longer days and vacation season upon us, it is a great time to make sure your business is following the best practices to stay safe. Experts predict a stronger season for summer hiring than we have seen in years.1 Business owners can safely incorporate these seasonal employees into their operations with training in how to process credit cards safely.
Here are a few things to keep in mind as your staff grows this summer.
Train Your Seasonal Employees in Customer Data Security
If your business takes advantage of the student or seasonal workers available during the summer, you must train and monitor their acceptance of credit cards. PCI compliance requires anyone who accepts credit cards to have a policy in place to protect customer data. Your seasonal employees should be trained to understand and follow this policy each and every time they run a credit card.
Furthermore, all employees should have their own unique login code if they have computer access. Tracking activity by employee will help you monitor their performance and detect any abuses quickly.
It is an unfortunate reality that fraud sometimes comes from within. Seasonal or temporary workers might not have the same motivation and loyalty as your long-term staff. Clearly communicating your security policies and careful management might also prevent a temporary worker from succumbing to temptation.
Review Red-flag Customer Behaviors and Keep Your Team Alert to Fraud
Summer is a great time for a mid-year review of suspicious customer behavior. Set aside some time for a team meeting to go over transactions that should be carefully monitored. Behavioral signs of a fraudulent transaction might include
- An anxious or nervous customer
- A much larger than average ticket
- Unusual purchase selections, for example clothes in lots of different sizes
- A customer who comes in very close to closing time and is in a hurry to check out
- Customers who purchase several of the same trendy or in-demand items. They may hope to resell the items.
- Customers who try to confuse or distract cashiers during checkout.
Alert your staff to the possibility of fraud and remind them to check identification and signatures. A quick refresher course in best checkout practices reminds everyone to watch carefully for fraud. For new seasonal employees, this training might be a real eye-opener! Building strong security habits will build protection for your business and bottom line.
Give Your Payment Processing Equipment Regular Check Ups
Both your payment processing hardware and software require regular check ups to stay safe. All of your employees, including seasonal hires, should keep an eye on the condition of your payment processing equipment. Any indication of tampering should be taken seriously.
If your payment system suddenly becomes slower or seems unusually sluggish, run your antivirus software and give us a call. Keep in mind that seasonal employees might not have the same level of experience with running transactions, so include training in how quickly transactions should run. These new hires may need additional education in what constitutes an unusually slow transaction.
And as always, be sure to schedule the PCI requirements for keeping your software, firewall, and passwords up to date. Your POS system should be running the most current version of software, with the most updated security protection. If you have separate anti-virus protection software, this should be regularly updated. Your firewall is an important defense against fraud, so be sure to check it regularly for updates, too.
At Integrity, we are dedicated to providing merchants with the best security and fraud prevention support. We work with our credit card brands to provide the best security guidelines to merchants. Join us in putting the best practices in place to keep your business and customer data safe.
For businesses who have special seasonal needs, like a summer venue, food truck, or seasonal expansion of operations, Integrity offers flexible seasonal billing, too.
Contact us today!
- Soergel, A. (2017, May 11). Stage Set for Strong Summer Hiring Spree. U.S. News & World Report. https://www.usnews.com/news/articles/2017-05-11/stage-set-for-strong-summer-hiring-spree