What is It?
On the Penny Miller website, we give you the option to save you credit card details when you create an account or checkout with us.
This saves you the hassle of having to enter your card number over and over again each time you order.
You can do this when you create an account by clicking the ‘Add a Payment Method’ button or at Checkout you can tick the box marked ‘save my card’
But is it safe?
Using the ‘save payment method’ feature is extremely safe. We don’t store your credit card information on our database, once entered, it gets locked away with our secure payment gateway, Braintree in their Vault. Braintree, a subsidiary of Paypal are renowned for their Vault technology.
When a payment method is stored in the Vault, the information is encrypted by the Braintree gateway and associated with a unique payment method token.
Card Verification – How it Works
Card verification is a strong first-line defense against potentially fraudulent cards. It ensures that the credit card number provided is associated with a valid, open account and can be stored in the Vault and charged successfully. To do this, it must first verify the card.
Braintree verifies your credit card by running either a $0 or $1 authorization and then automatically voiding it. Where a $1 authorization returns a successful result, we immediately follow up with an automatic void request to ensure that the transaction will disappear from the cardholder’s statement as soon as possible.
It’s important to note that some banks do not recognize void requests immediately. It’s possible that after the void is issued, you will still see the pending charge. But that charge is just that, pending, no money is actually withdrawn from the account and even if the void is not recognized, the transaction will expire and disappear after a few days.