Can Security and Easy Payments Co-Exist?

I’m an avid traveler, and my preferred destinations always include a plane flight or two. Over the past several years, it’s gotten so much more difficult to fly — from the Ziploc bags that refuse to stay closed, to taking off my shoes and layers of clothes to go through the body scanner, to having my tiny Swiss Army knife keychain confiscated from my carry-on bag — all in the name of increasing security.

I often find myself wondering why flying can’t be both safe and not a complete pain, and if maybe, just maybe, there’s a way to have both. I refuse to accept that security and convenience actually have to be mutually exclusive!

That belief informs a large portion of what I do at @Pay. As Director of Product Development, it’s my responsibility to oversee new feature expansion of our technology. One of my fundamental goals is to find a way to create tools that enable easy payments without sacrificing the very real need for information security.

When we started working on our two-click technology, our driving purpose was to make payments and donations easier. Web checkouts are usually safe but often horribly inconvenient — with the pitfalls of forgotten usernames and passwords, trying to type on tiny smartphone keyboards, and as many as 20 steps required to complete a web checkout.

As we worked on making our Email Checkout easier and faster than a standard web checkout, we recognized that a necessary element of our system’s convenience is its security. How much value would be added by a technology that’s super simple to use but makes payment information susceptible to being stolen? Rhetorical question, of course, but the point is clear: Reducing a complicated checkout to just two clicks only adds value for the user if there aren’t any future inconveniences as a result.

So, we do a whole bunch of things to keep things safe for our users and prevent problems like misused payment information or unauthorized transactions. We have rules built into our system designed to catch fraudulent activity, like limiting the number and frequency of Email Checkouts that can be completed per email, flagging suspicious transactions for review, and automated monitoring of user behavior. We also have internal manual processes in place to regularly audit transaction activity.

We’re always looking to improve, so please let us know how we can make @Pay even better. I promise we’ll never limit your options to pretzels and peanuts.

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