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Table of Contents
Is it safe to send my credit card picture over the email?
When we first figured out how to connect a Mac email client to the company’s Exchange server, we typed in Visa in the spotlight search bar and it came up with every scanned visa card and passport with work visas that had been emailed through the system. It all depends on how well maintained the various mail servers are and what their data retention policies are. Unless you encrypt it, I would say it isn’t a good idea. You would be better off to fax an image of the card to them or to go there in person with the card. Better to go in person since their fax machine may also be a computer.
Can you email your credit report?
I was on the same situation and this site helped me HTTP://HELP.CREDITVAULT.NET
RE Can you email your credit report?
My brother is about to rent an apartment and the landlord asked him to email his credit report. How do you do that? And is it safe? Any advise on renting an apartment for the first time. Thank you!
Sending letters to credit bureaus with paid in full receipts?
Take copies of the receipts with you for proof the debt is paid, if you are going to apply for credit before the credit bureaus update. Also call the credit bureaus to be certain they received your letter and receipts. If they have, tell them you want your credit report corrected now. No matter what they tell you they can correct your credit report without waiting for their next update. I was in the mortgage business and we often sent them Documentation to clear up errors, we could even use credit card statements to prove the borrower owed less than what was reported before their scheduled updates. We would get a corrected credit report the same day or the next day.
Can i send a credit card through the mail?
you can send it regular mail and statistically, it will most probably get there just fine. you can write on the outside, “do not bend, photo enclosed.”
or you can send it registered mail. if it doesn’t get there, call the card company and cancel the card.
again, the odds are very heavily in your favor that it will get there with no problems.
Is it safe to send credit card info through text message?
Fraud no college would not ever ask you to deliver your mastercard information over digital mail. rip-off. i’m hoping you probably did not deliver the files because that’s contained in the palms of a few Nigerians.
Is it safe to send my credit card information via regular mail?
When you send out information through the internet via e-mail, it is possible for anyone to view it if he/she has the means and desire to do so. If someone decided to intercept your e-mail message as it passes through intermediate servers, then the security of the information would be compromised. On top of that, most e-mail messages are unencrypted, thus furthering the vulnerability of the message’s information. Most of the time, ISP’s also keep backups of sent e-mails to others in their servers for months, even after deletion.
Some electronic applications forms on the Internet are encrypted and those may be safer as long as no one is able to decrypt the encryption.
Mail tends to safer, if your information is very important, but like other posters have mentioned, it is probably just as safe as e-mail as it is possible that mail fraud can occur, though perceiveably less as likely as “e-mail fraud”. Of course certain services offered by UPS and Fed-Ex are very reputable.
Perhaps the best way is to buy a pre-paid credit card or a “gift card credit card”, one that others cannot make frivrolous charges to in the event that your card number is revealed, but still works like a credit card. Think of it as a “flexible gift card”, one that is accepted whereever credit cards are accepted, but has a limit and is worth however much money you intially allotted to it.
Say you were to buy a pre-paid credit card valued at $100. You would pay the $100 upfront at the counter of a store that offers that service. There would be an activation fee of about $5 and you would receive a receipt or some sort of proof of activation. You would then go online to the pre-paid card’s website to enter your billing information so the Ministry can match your card to you, though most of the time, the information has already been entered upon activation at the store. If someone were to come across your card and overcharge it, he/she would not be able to use more than the $100 you initially put into the card. Thus, you would not be billed any further, and, as I would take it, your credit report would not be hurt as you are not owing anyone anything.
What is the safest way to send credit card informations by email?
Firstly, it is just a bad idea period. If you have to do it, the best way would be to encrypt the number before sending it and have the receiver use the same software to decrypt it.
I would also reccomend that you use a product like PGP http://www.pgp.com/products/desktop_email/index.ht… to provide strong end to end email encryption.
Is it safe to send credit card info to someone, divided across several emails?
That’s one of the most absurd things I’ve ever heard. Please tell me which sites are suggesting this, so that I know never to visit them. Tell these sites to spend the comparatively few extra dollars to get a proper SSL certificate. What they’re suggesting is complete BS.
Email is not secure. Period. If a “hacker” can monitor network traffic, he can monitor ALL network traffic. It is idiotic to assume “well he might get one, but he sure as heck won’t get THREE!!”. Is the chances of the full number being snooped less? Yes. Is it *significantly* less? NO.
Do not do business with these websites. Find a competitor who actually 1) cares about your security against identity theft and credit card fraud, and 2) understands the most basic aspects of the internet and e-commerce.
Hell, tell them to sign up as a Paypal associate, and charge you that way. They don’t need a secure server or an SSL certificate to do so. Of course, if they aren’t willing to fork out the money for securing their own website, chances are they won’t be willing to do so to Paypal. This is a company that cares far more about penny-pinching than they do about your welfare.
Is it safe to send Credit Card info through E-mail?
I wouldn’t send both pieces of info in email. Same with your card name and number, too much info and too easily read by others. Safer to call with one piece of info and email the other. They should not need your expiration to give you a refund – they shoudl be able to find the original data from your order.
Also, you could email asking when the best time to call is, make sure they include their timezone.
VP Security Assessments
CISSP, CISA, QSA, PA-QSA
Are emailed credit card numbers in scope for PCI compliance?
The way you handle sending credit card info might just change your scope for PCI DSS compliance. We often get the question: if you receive primary account numbers (PAN) via email, is your email server in scope of PCI?
If so, then yes, your email server is in scope for PCI security requirements.
Download the latest guide to PCI compliance
PCI DSS Requirement 4.2 states that credit card information must not be captured, transmitted, or stored via end-user messaging technologies (like email). Here’s why: email leaves trails of unencrypted credit card numbers in inboxes, trashes, web browser caches, etc. As with any end-user technology, it’s extremely difficult to secure.
According to the PCI DSS, e-mail, instant messaging, SMS, and chat can be easily intercepted by “packet-sniffing” software or hardware during delivery across internal and public networks. Packet sniffing is a tactic similar to wiretapping a phone network and can be used by hackers to capture your Internet traffic.
Even if your email server is configured to provide strong encryption when you connect to read your email, you have no guarantee that the receiving end has the same level of encryption. Do not utilize these messaging tools to send PAN unless they are configured to provide strong entire message encryption (PGP, GPG, etc.). Even then, it’s probably just easier to find another way to transfer sensitive credit card data.
If you don’t want your email server to be in scope of your PCI compliance, there are a few things you can do.
If emailing credit card info is a normal business process:
- Understand your process must be changed. There is no way for you to be compliant if your normal process requires sending clear text credit cards via unencrypted email.
- Either decide to encrypt your email or initiate training for employees to forbid the sending or receiving of customer card data.
- Ensure your written policies state unencrypted PAN are never to be sent via email or other end-user technologies.
If one or two credit cards come through email by accident:
- Inform the customer (or sales person, etc.) to stop. Educate them about the dangers of using email to send credit card information. Make sure you don’t respond by including the original email.
- Talk to your IT department about the best way to delete this message securely. (It’s difficult to get rid of emails on many servers because they journal messages in case they need to be restored someday.)
- Be sure there is training for employees to know how to handle this situation.
Gary Glover (CISSP, CISA, QSA, PA-QSA) is Senior Vice President of Security Assessment at SecurityMetrics with over 10 years of PCI audit experience and 25 years of Star Trek quoting skills. Live long and prosper as you read his other blog posts.
Precautions can reduce the risk of identity theft when sending card info by mail, email, text and other methods.
The credit card industry has bolstered its monitoring systems to try to catch fraud before it happens, but it’s also essential that you take steps to safeguard your personal data. Preventing identity theft involves protecting your sensitive information, including whom you give your credit card information to and how.
Some methods are better than others. Here’s how you can best protect yourself with each form of communication.
Email — High risk
Email was not created with data privacy in mind. Depending on where the message is sent, its contents can be stored on multiple servers along the way. Also, emails are stored in various folders in your account and the recipient’s, making your credit card information vulnerable to hackers or someone else who has a way to access one of the accounts.
What you can do: If you’ve sent credit card or other sensitive information over email in the past, search through your sent folder and delete the information permanently. In the future, you can mitigate the risk by using encryption software (free online versions include VeraCrypt and AxCrypt) to scramble the information until the recipient unlocks it with a security password or code. But don’t trust an encryption software without vetting it.
“It is important to understand whether emails are encrypted while on the server or just during transmission,” says Shirley Inscoe, senior analyst at Aite Group, an independent research and advisory firm. “This is something to double-check, or the email content may still be accessed while stored on a server.”
Postal mail — Medium risk
These days, there aren’t many instances in which you would need to send credit card information through the mail, but you may occasionally receive a bill or order form that requests it. The United States has strict laws about mail theft, but sending sending sensitive information this way poses some risk. Not only can someone steal your information after you’ve put it in your mailbox and before the mail carrier picks it up, but also once it’s been delivered.
What you can do: If you have to send your credit card information in the mail, avoid leaving it in your mailbox for the mail carrier to pick up.
“Raising that red flag on the mailbox just calls it to the attention of identity thieves,” Inscoe says. Instead, hand it directly to the carrier or drop it in the letter slot at the post office. Also, consider using certified mail so you can confirm that the letter has been delivered to the intended recipient.
Fax — Medium risk
If both the sending and receiving fax machines operate over telephone lines, the threat of hacking is minimal. Anyone trying to access the line will only hear that familiar screeching sound.
However, if it’s an email-based fax, your information is just as vulnerable as with an unencrypted email. Another risk to consider with phone-based fax is whether the intended recipient is the only one with access to the fax once it’s delivered.
“A number of people may see the content of the fax while it is awaiting pickup by the intended recipient,” Inscoe says. She also points out that “printed faxes may end up being misfiled or languishing on someone’s desk, with the content available to cleaning staff, security staff and other employees in the office.”
What you can do: Before sending your credit card information, ask the recipient to stand by the fax machine to receive it as soon as it arrives and confirm they have received it. Additionally, ask whether their fax machine is email-based. If so, Inscoe recommends that you “ensure that the transmission is encrypted or upload the fax to a server via an encrypted web connection.”
Secure websites — Low risk (with a catch)
A secured website is easy to spot because it will display “https” (with an “S”) at the beginning of its URL. (Many times there will also be a lock icon.) Any information you send through a secured website is encrypted and safe. However, your credit card information is still susceptible to theft if you’re a victim of spyware that has infected your computer or a public one. Hackers targeting the company operating the website may also access the information if it’s stored on the company’s servers.
What you can do: Make sure your malware protection is up to date. Avoid clicking on unfamiliar links in emails or pop-up ads. Learn to recognize if there is spyware on your computer. If you are suspicious, run a scan using legitimate anti-spyware software to detect and remove it.
Text — Low risk
In general, it’s difficult for hackers to access text messages. But as long as a text containing credit card information sits in an inbox or sent folder, it’s exposed. If your phone is stolen, or the phone of the person you sent the information to is swiped, the thief may be able to access the information.
What you can do: Consider installing a text message encryption app on your phone that has self-destruct functionality. That way, the text containing your credit card information will be deleted from both phones after a pre-set period of time, lessening the exposure. One such app is Signal, which is available for iPhone and Android.
Be proactive about protecting your credit card information. Consumers “should ask questions until they are reassured or not use that method for confidential data,” Inscoe says. “If all consumers start asking more questions, companies will start to take security and privacy issues more seriously.”
How to Send Credit Card Information to InsideOut Solutions
Protecting your business’ credit card information should always be a priority. What to do, then, when it comes time to give your credit card information to a vendor? In this article you will learn how to send credit card information securely, by looking at both the secure and non-secure ways to submit your credit card information to InsideOut Solutions.
Never Submit Credit Card Information via Email
Simply put: email is not a secure way to provide credit card information.
SSL on Email Won’t Protect Your Credit Card Info
Secure Sockets Layer (SSL) encryption only encrypts data that transfers between your email client and your domain mail server. If your email message needs to go to another server to reach a recipient them your message may be routed through many other servers, including those that are unencrypted, with the potential of that message being read.
Breaking up the Credit Card Information Across Two or More Emails Is Not “More Secure”
The idea that you can protect your information by breaking it up and sending it over multiple emails is an old one. Given that SSL encryption isn’t secure if it has to move from one server to another, there’s no reason to think putting the number in one message, the contact info in another, the card security code in a third, etc. will keep your information safe.
If your email is intercepted as it moves from one server to another, you can be sure any attachments will be vulnerable.
File Attachments on an Email Are Not Secure
An electronic file such as a text file, etc. is not secure when attached to an email moving between mail servers.
A scanned document with credit card information can be read by a person or “read” in an automated process by Optical Character Recognition (OCR) software.
How to Send Credit Card Information Securely
So, which methods are secure and recommended when sending credit card information to InsideOut Solutions?
Fax Your Credit Card Information
The venerable fax, in commercial use since 1865, continues to be a secure way to send sensitive information. Whether it’s a multi-page contract or a one-sheet authorization with a cover letter, faxing credit card information to InsideOut Solutions is a secure option. Your fax is received at a secure location and access to faxed documents is only provided for the owners and authorized employees at InsideOut Solutions. Online fax services are OK, so long as they receive and send data securely.
Call Us to Provide Your Credit Card Information
When you call InsideOut Solutions with your credit card information it will only be collected by the owners or authorized employees at InsideOut Solutions, making this the easiest way to make a payment on services that do not require a contract. Even cell phone calls are OK, so long as you follow important mobile device security measures.
How Do You Want to Send Us Credit Card Information?
There are other methods for securely submitting credit card information the we do not currently use, but are in consideration for those clients who prefer to not use the above methods. Among these are:
Online Credit Card Authorization Form
Most internet users have submitted credit card information online via secure forms on websites and are comfortable with this metod.
Secure File Transfer Service
There are secure file transfer services such as Dropbox and SendThisFile that allow secure submission of sensitive data.
“Self-Destruct” Secure Share Website
There are also services that will set up websites that will automatically delete themselves after the sent message has been read such as PrivNote and DestructingMessage.com.
Let us know your preferred methods for sending credit card or other sensitive data. Just leave a comment or contact us today.
What’s the best way to send credit-card information via e-mail when a business contract requires me to fill out a form and send it?
Answer: In general, anything you send via e-mail is plainly viewable by any mail server that handles the message all along the way (and any individuals that have access to those servers), so sending a regular message with sensitive information is not recommended.
When you send an e-mail message, you have no control over who handles the message, how many copies are stored along the way and how long those messages get stored on mail systems along the way.
Depending upon how and where you send the message, there may be three or four mail servers that take part in delivering the message.
Some mail services like Gmail and Yahoo automatically encrypt the transmissions (https:) between you and their servers, but once it goes to another mail server that does not, your message is back to being in plain view.
If you use Gmail and your recipient uses Gmail, Google keeps your messages encrypted the entire way as it moves from your machine through its various systems and data centers, but it creates another point of exposure.
If your e-mail account ever gets compromised, all of those sensitive messages and attachments would be a treasure trove for a hacker. If you’re going to be realistic about security, it’s much more likely that your account will be compromised than it is to have your message randomly read by a third party.
If a hacker compromises your e-mail account, all he has to do is scan your sent messages for every sensitive document that you’ve ever sent in one place, so that’s another reason to avoid sending sensitive information and documents via e-mail.
If you’ve already sent a lot of sensitive information via your e-mail account, you might want to take a few minutes to scan through and delete those messages to avoid this scenario.
There are a host of methods for encrypting your e-mail messages using the PGP (Pretty Good Privacy) protocol at www.pgpi.org, but for most people, it’s too technical and is better suited to those who need to exchange information on a regular basis.
If you need to send something securely to a person only one time, finding a less technical and more convenient method of getting the information to her makes more sense.
If you both still have old-school, non-computerized fax machines, that certainly keeps your information off the unsecured Internet, but be careful with e-mail-based fax services, because you’re right back in the same boat again.
If you both have an account on Google Drive (google.com/drive), DropBox www.dropbox.com or any other of the numerous file-sharing services, you can share the document instead of sending it via e-mail.
If you don’t know what the receiving party has or you have never used a file-sharing service, you can look to web service such as https://www.sendinc.com to get the job done.
With Sendinc, there’s nothing to download, install or set up; the basic service is free. It allows you to send up to 20 encrypted messages a day with a maximum size of 10Mbs.
All messages are sent to your recipient using military-grade security, and the free service will automatically delete the message after seven days.
If you want more control over when the message gets deleted or you send a large volume of sensitive documents and messages, the Pro account costs $5 per month and increases your sends to 200 per month and up to 100Mbs in size.
How to Securely Send Credit Card Information to Mick’s Macs
Step 1: Create a new document with your credit card number, name on the card, expiration date, and the security number. Save it to your desktop.
Step 2: Create a new folder on your desktop, and name it “Credit Card Information” or whatever you would like to call it.
Step 3: Move the document with your credit card information into the folder you have just created.
Step 4: Open “Disk Utility” by searching in Spotlight at the top right corner. (Icon looks like a magnifying glass)
(Inside Disk Utility)
Step 5: From the “File” menu select New > and then select “Disk Image from Folder. “
Step 6: Select the folder “Credit Card Information” that you just created. It is on your Desktop. Make sure to select the folder, and not the files inside the folder.
Step 7: Name your Image (We will name it the same thing as the folder,) and save it to your Desktop.
-Important!- Where it says “Encryption,” select “128-bit AES Encryption (Recommended)” or else your disk image will not be secure!
(Your window should look just like this before you click Save)
Step 8: Select a password for your encrypted disk image. Write it down!
-Important!- Make sure that the box is UNCHECKED where it says “Remember password in my keychain” or else your file will not be secure.
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Rather than paying with cash or a check, consumers make payments with credit cards all the time. You’ve probably even gotten so used to paying with credit cards that you send your number over the phone, in the mail, by fax, or online without even thinking too much about it.
Even though consumer comfort levels of paying by credit card have gone up, the risks associated with hacking and identity theft have not gone down. If anything, the thieves only get more sophisticated each year.
Before you send your credit card information over the Internet, through the mail, or by fax, you should stop for a minute to think about how that information is going to travel to its destination. Are there places along the way that the information could be susceptible to theft?
Obviously, you don’t want to stop making payments with your credit card because it is easy and certainly safer than cash. Plus, many merchants won’t accept a personal check. Therefore, you should know the risks of sending your credit card information down a given route and how you can minimize those risks.
Sending Credit Card Information
Send by Email
There are two ways to send information through email. One way is through what is known as secured email. These types of messages are encrypted before they are sent. The message and the encryption key stay encrypted until they reach the sender. This reduces the risk of being intercepted by hackers. If you have secured email, the risk associated with sending your credit card number is fairly low.
Most people have a regular, unsecured email account. This doesn’t mean your email account is not protected by a password. It means the information you send is not encrypted. Email providers such as Google and Yahoo, however, have started encrypting user emails. So, you may want to consider one of these email providers. If you don’t have encrypted email, the risk can be quite high. Email is the primary tool hackers use to get personal identification data through hacking, spoofing, and eavesdropping.
Send by Fax
Sending credit card information through fax does not pose much of a risk from hackers. When data gets faxed over the telephone lines, even tapping the phone lines will not yield anything. You don’t need to worry much about your credit card information being intercepted while in transit. When sending personal information of any kind by fax, the biggest concern is with who is receiving the information on the other end.
It’s possible that a dishonest co-worker could be standing next to the machine when your message comes in and takes your credit card information or other personal identification. When sending information by fax, it is best to make sure the recipient is standing next to the machine waiting for its arrival. Also, remind them to pick up and destroy any confirmation pages that may print along with the fax.
Send by Text
Sending credit card information by text message is considered to pose very little risk of interception by hackers. Identity thieves don’t typically try to sniff text messages for social security or credit card numbers.
The biggest risk with sending a credit card number by text message is your number is sitting on the recipient’s phone. Someone else could pick up or steal the phone and then also get your credit card information along with the phone. You can reduce this risk by asking the recipient to delete the text after reading it.
Send by Postal Mail
The biggest risk for credit card information being stolen by postal mail is when it is waiting to get picked up by the Postal Service and after it has been delivered. For the most part, mail is considered to be pretty safe once it is in the hands of the Postal Service.
The sorting and delivery process is fairly secure, and there are hefty federal penalties for anyone who intercepts mail before it gets to the intended recipient. Just be sure not to leave mail with personal identification or account information in your mailbox to get picked up by your delivery person. Take these to the post office yourself.
You can also reduce your risk by taking a couple of extra precautions. Don’t send private information over public Wi-Fi networks (such as those in a mall or coffee shop). These places are a prime target area for hackers looking to steal information. You can also break your credit card information up into several email messages. Break the number into four separate emails, and separate the expiration date and billing address as well.
My wife and I run an online business. For a long time we would accept credit cards over our website, and cash or bank drafts in person. However, as time went on my wife picked up the Square to process credit card payments in person and our customers really like this.
Due to the nature of our business (much of the furniture is custom) we don’t take the entire payment upfront. We might authorize one amount, capture 60%, and when your goods arrive we re-authorize for the remaining 40%. This is pretty standard and works well. Except some folks aren’t keen on meeting up in person for the remaining 40%, and we don’t have an option to handle that extra 40% through our website (it would expect a new order).
I’ve been noticing some of the customers sending such details through email. Some were cautious, sending the number and the dates/cvv code from separate email addresses. Others not so much. Either way, it’s not a stellar practice. I brought it up to my wife last night, and she didn’t really get why I was making such a big deal about it – after all, she deletes the email as soon as its processed. I said “what if you lost your phone today?” and it clicked in that being insecure for “just a few days” isn’t okay, especially if you almost always are in the “just a few days” stage with someone.
At the same time, it would be a pretty poor practice to say “We can’t do this thing that’s super convenient for you because we can’t trust my wife not to lose her phone.” – that’s basically what our customers would hear. So keeping in mind that we can’t rely on our customers being tech savvy at all, what can I use as leverage to convince my customers to not reveal their credit card data over email?
I’ve read this one about unsolicited emails but the recommendations are vague – “institute a policy”, okay. * waves hands * we no longer accept these emails. But, when we are first discussing payment terms, they are likely to ask “can I send you my CC data over email” and when we say no, they will ask “why not”? What can I tell them that doesn’t make us look irresponsible and convinces them that it would be best to do it in person with an actual swipe, or if it must be remote, to call us and we can enter it while on the call and it never needs to be recorded anywhere?