Good point indeed. I actually lost a potential customer recently because he was so paranoid about online fraud, and considered that almost every transaction he had would be charged back, so he decided the internet was not for him.
There's been a LOT of articles in the BBC this week about this, mostly prompted by....
The InfoSecurity Europe exhibition,that I went to earlier in the week to see if I could further my growing knowledge on compliance and security. To be honest, I was disappointed that no-one from the payment card industry or representing the law were there.
Mostly security-based hardware systems (for web hosts, drive encryption, security logging, etc.), and loads of security companies, who provide services such as penetration testing, etc., but there were one or two software systems that were of great interest, that provided very good management of attached hardware devices, preventing someone plugging in a USB stick and downloading the customer database for instance, or encrpyting downloaded data with a key, so only someone with the same key can later open the file, no matter if the file has been copied or not.
I'm not going to write up a full report of the show here, but suffice to say, many of the things that the security companies want to charge 1000's for, CubeCart has already got built into it's structure. Bloody well done Al and Martin and everyone else on the development team.
So, after a spate of my own security investigations, I can see weaknesses in the following areas (Not necessarily related to CubeCart):
1. Access to credit card details - If you're doing manual payment processing, this will in most cases be breaching PCI compliance guidelines. Using a Payment Gateway Provider over a secure connection, where you do not see the credit card details is definetly best. The credit card companies are now issuing large fines for any business who ( A ) has over a certain turnover level, and does not meet PCI compliance, and ( B ) under that turnover lets sensitive information be stolen, or mis-used.
My advice if you're doing manual credit card payments, is to delete the card details immediately after the transaction, and shred any paperwork with the CVV code written or printed on it.

Al and Martin, it may be worthwhile improving the security on the manual credit card processing function by:
- Making admin re-authenticate by having to re-enter password. This would help prevent access by an unauthorised user, while the authorised user has popped out to the loo, or to make a cuppa, with the time that the details are on screen limited to a few minutes.
- A limit to the age of the card data after its been viewed, and purging of the data when the order is completed.
2. Data access - Several people sharing the same login account (CubeCart, Hosting, Email, etc.), weak passwords, poorly set up shared hosting.
3. Data distribution - Policies should be in place for who gets to access what information. CubeCart does a reasonable job of this, but perhaps the system could be improved in the future to better make use of a policy-based system, rather than manually specifying who gets what permission: all those different permission settings can be overwhelming for most people.
4. Other applications on the server which can provide a back-door. CubeCart is pretty much secure, and I just saw a site that had a Hackersafe badge, so that's reassurance. However, many other systems are not so safe (blogs, forums, slideshows, etc.), and there may be new security vunerabilities against CubeCart in the future.
5. Out of date software - Opens yourself to exploits. As obvious as this may be, I had a meeting last Tuesday with a new customer, who was running Internet Explorer 5. I'd hate to know how many viruses, trojans, worms, etc. he's got on his hard drive. Suffice to say, my website didn't work, and he was surprised that he needed to upgrade, even saying "Its been working okay, why doI need to upgrade?"!
Ignorance is no defence against breaking the law, or letting hackers spoil your website.