PA-DSS – Payment Application Digital Security Standard   

PA-DSS – Payment Application Digital Security Standard


Software vendors often ask about their applications and what the payment industry security standards mean to them. The questions Digital Securities they ask are very insightful, so we thought we’d provide a more detailed look at the most critical components of PA-DSS compliance.

This should help you understand the PA-DSS and the complex issues surrounding it on a deeper level.

Any discussion of PA-DSS compliance should begin with a clear definition of PA-DSS.PA-DSS stands for Payment Application Data Security Standard. It was created by the major credit card brands (under the umbrella of the Payment Card Industry Security Standards Council) to combat the growing number of credit and debit cardholder data breaches. Seventy five percent of all data security attacks are against software applications. The PA-DSS mandates all payment applications that store, process or transmit payment cardholder data as part of authorization or settlement be certified on a continuous basis using an approved Payment Application Quality Security Assessor (PA-QSA). The PA-DSS applies to applications that are sold, distributed or licensed to third parties.

With so many acronyms out there, it is easy to become confused about the different digital standards. It is important to understand the difference between PCI DSS and PA-DSS.The PA-DSS applies to software applications that store, transmit or process credit card data, whereas the PCI DSS applies to merchants that accept payment cards. Both were created to protect consumer cardholder data.

Some people become further confused due to the evolution of standards. Understanding the difference between PA-DSS and PABP is important for all software vendors.

In September 2006, American Express, Discover Financial Services, JCB, MasterCard Worldwide and Visa International formed the Payment Card Industry (PCI) Data Security Standard, an independent council designed to improve payment account security.

The PCI Security Standards Council serves as an advisory group and manages the underlying PCI security standards; however, each payment card brand is responsible for its own compliance programs. Even though the PCI Security Standards Council developed these standards, each payment card brand is responsible for its own compliance programs and has different deadlines for PCI compliance for both merchants and software providers.

All payment applications have to be compliant with these standards by July 1, 2010 (Visa’s Final Security Deadline) or risk their customers not being able to process Visa credit cards at all. And as of October 1, 2009, VisaNet processors must decertify all vulnerable payment applications. While non-compliance with PA-DSS hasn’t yet been addressed with fines, the card brands are addressing the issue by removing the ability to process payments entirely.

If it is any indication, MasterCard has begun fining merchants for non-PCI DSS compliance.

To achieve PA-DSS compliance, software providers must undergo the process of validating their application. This involves a security audit from a PA-DSS Qualified Security Assessor (QSA) and the development time and expense to bring the application into compliance. These PA-DSS certification costs generally range between $10,000 to $30,000. Some software providers also have the option of going out of scope for PA-DSS certification, which cuts down on PA-DSS compliance costs.

While merchants could stop taking credit cards, customers using credit cards tend to spend 2 to 3 times more than customers who only carry cash or check. And since the major credit card brands are accepted worldwide, you expose your business to customers from all around the globe, instead of just locally.


The Psychology of Entertainment

Entertainment is an encounter generally searched after and delighted in by us all. In any case, the inquiry is; what is its mental reason? For what reason do human culture, over all societies and periods appreciate and search out entertainment? For what reason is 강남셔츠룸 entertainment so significant? Why individuals from all circles of life need to be engaged and discover the experience so fulfilling.

Above all else, let us characterize entertainment. Entertainment can be characterized as any movement, which permits individuals to engage themselves in their extra time. Entertainment by and large is inactive, for example, watching film, T.V shows, live theater, and so on, and so on Dynamic types of entertainment, for example, sports are all the more regularly viewed as amusement. Activities, for example, book perusing or playing instruments are viewed as pastimes. Different types of entertainment are theater, film, dance shows, social dance, gatherings, sports and games. Entertainment, for example, manikin shows, jokesters, emulates and kid’s shows are probably going to be appealing to youngsters.

Human instinct is a dreamer nature. We need a getaway from reality. We have to take care of our dreams. Entertainment takes us to a modified universe of our enjoying and satisfies our need for dream and a departure from genuine dreariness. Entertainment moves us to a universe of imagination, and we remain inundated as a feature of this substitute authenticity. This is particularly valid for media entertainment, for example, music, theater and movies.

Entertainment conditions our qualities, conduct and thinking. This is particularly obvious if there should be an occurrence of media entertainment, for example, T.V and motion pictures, which give powerful contacting encounters. Our feelings capably impact our activities in manners that stay outside of our control and comprehension. Henceforth, it is entirely conceivable to be affected by entertainment unwittingly. People are balanced creatures yet feelings propel us to do things that are preposterous. Happiness regarding entertainment changes us from the underlying periods important to passionate association lastly to fixation stage.

Entertainment triggers muddled mental cycles in the human mind. For instance, a man might be infatuated with a young lady, whom he can’t accomplish, in actuality, so he may begin to look all starry eyed at an entertainer in a film who may take after his beauty queen.

6 Unique Ways to Use Wallpaper in a Modern Home

6 Unique Ways to Use Wallpaper in a Modern Home


Wallpaper has a notable history; featured typically as background for other more decorative or highly featured objects. There are some notable exceptions such 19th-century French scenic papers and Chinese hand-painted papers. But it is safe to say that the overall    Vliesbehang    decorative effect, enhanced by the thoughtful selection of wallpaper and the effects achieved by its novel installation.

William Morris recognized the importance of wallpaper when he advised in one of his lectures;

“‘Whatever you have in your rooms think first of the walls for they are that which makes your house and home, and if you do not make some sacrifices in their favor you will find your chambers have a kind of makeshift, lodging-house look about them… ”

In today’s modern home the creative application of wallpaper is the best way to keep things from looking too much like your grandmother’s home.

Here’s my list of 6 unique ways to use wallpaper in a modern home:

  1. Select contemporary patterns that reflect the graphic images appealing to you and your family. Graphic design, street art and fashion offer great sources for inspiration and many young wallpaper companies offer patterns inspired from these sources.
  2. Commit to the pattern and use it on all four walls for a strong, confident effect.
  3. Consider the “fifth wall” and select a pattern or texture that will enhance the ceiling as well as the overall effect of the room. Maps, murals and non-directional prints can be very effective on a ceiling when woven into the general theme of the room.


Landscape Design Ideas From Experts  

Landscape Design Ideas From Experts  

If you are looking for a landscape designer or garden designer, you should select from experienced designers so that you could expand your horizons. A good landscape design plays an important role in making your surroundings look attractive and this    Landscaping    enhances the value of your property.

Always look for professionals for your landscape design. They will provide you 2-3 plans to select from and they should be having the software support to show you dome kind of demo before selecting a particular design. There are a lot variety designs like formal style, informal style, woodland style etc to select from. Selecting a particular design for your landscape depends on what function this landscape design should serve. It can be a new area for sitting or playing or to improve the look and feel of the property.

Always select from simple designs for your home. Some people say simplicity is once of the main aspects of landscape design. This saves your money and easy to maintain once it is done. If you have used contrast elements for your design, it is going to be costly to maintain and redesign.

Before going for a landscaping designer for improving your home you should understand the basics of landscape design. This can save your valuable time and money as well. Also try to watch some landscape designs from around your home before selecting a particular design. Now you can call for any experienced landscape designer asking for some designs and you can choose from some attractive designs from them. Landscape design provides natural beauty and elegance for your whole property and cost for this is less compared to home remodeling or home decorating.

It’s difficult to tell about the fees, as they vary quite a bit depending on your requirements, plot and expertise of the designer, materials used for it etc. It can be thousands of dollars if you are going for a complex design with high quality materials. The overall size of your property is a major factor in deciding the cost of your landscaping. Always look for low cost services when looking for a landscape designer for your property.

Now you can also find our online landscape design services from many companies. They offer wide variety design options of classical and modern styles. They will give you design ideas and planting ideas for your landscape. If you want to see landscapes designed by these online landscapers you can watch them through your computer and if you liked any of the designs from them, you can opt for that one.


How Landscaping and Hardscaping Increases Home Value  

How Landscaping and Hardscaping Increases Home Value  

The next time you step outside your home, you might want to take a closer look at your property’s landscaping and hardscaping. Upgrading a home’s landscaping from OK to W-O-W can increase overall value from 10-20%, according to research from  Landscaping    Virginia Tech.

Landscaping 101

Landscaping goes beyond just plants and shrubs to hardscaping, which includes retaining walls, patios, walkways paver driveways and other man-made improvements to your outdoor space. There are thousands of landscaping portfolios on the web. You might try searching landscaping and hardscaping ideas.

A landscape contractor or landscape architect can work with the client to generate a detailed plan. Typically, the homeowner then hires a landscape contractor to carry out the installation. A truly professional landscaping firm can do both.

According to US News & World Report, these are just a few of the trending items in landscape and hardscape designs:

  • Outdoor lighting
  • Water features
  • Fire pits
  • Fences
  • Garden paths

Enlist a professional for your hardscape or landscape project

When hiring a landscaping company, go with a licensed professional, who is experienced with all the things that contribute to the project’s success. A true professional will have experience in such topics as:

  • Horticulture
  • Soil
  • Property grading and drainage
  • Irrigation
  • Landscape design
  • Hardscaping

It goes without saying that you need a design expert. Like any home improvement project, consider this an investment-find the right professional who is knowledgeable, skilled and eager to collaborate. Be honest- if you do not have the time or the inclination to maintain your project, ask about low-maintenance vegetation and easy-care hardscaping.

Planning your home’s landscaping and hardscaping

You and your landscape contractor should expect to walk the property a few times. There’s more to the project than adding; you’ll want to determine if there are dying trees or overgrown shrubs that need removing. And the pro will point out areas of problematic grading, irrigation needs and items that may require just a bit of refreshing.

A great landscaping professional will look at areas that can be enhanced. Discuss a new walkway, an upgraded patio or stairway, plantings that complement the look and feel of the project, and exterior lighting. Exterior lighting not only adds to property value-it provides increased security for your family. A pro will offer advice on up-lights, down-lights and tree lights.

Phased landscaping & hardscaping project preparation

One of the most significant mistakes any homeowner can make is landscaping and hardscaping bit-by-bit with no plan. A purple petunia here, a patio there, a red maple in the middle of the front lawn. Lack of a proper design will end up in a property that looks thrown together and could negatively impact your home’s value. An expert landscape designer can craft and implement plans that provides a stylized look. Keeping on track with a professionally prepared design will not only result in a stunning property-it will keep the project on a pre-established budget.


Buying Used Truck Parts  

Buying Used Truck Parts  

Whether it’s your personal vehicle or your big rig, you probably don’t like to think about any of the vehicles you drive breaking down. But just because you avoid the topic doesn’t mean it won’t ever happen. In fact, odds are even the newest trucks will require    replacement parts before the owner is ready to purchase a new vehicle.

While new replacement truck parts are usually expensive, the exact price of the parts is dependent on the make and model of the vehicle. New parts must usually be ordered from the manufacturer, dealer, or a new part distributor. While they certainly fit the bill for replacing faulty parts in trucks, they also increase it!

Because you’ll probably already be saddled with a mechanic’s invoice on top of the cost of the parts, purchasing used truck parts can help you keep the cost of repairing your truck down, but finding used parts is not always easy. While junk yards and other local used part dealers can occasionally be helpful for truckers looking for used truck parts, finding exactly the right part for exactly the right truck can be a challenge.

Fortunately, the Internet has revolutionized the way truckers can search and purchase used truck parts. Web sites allow truckers to search databases filled with used truck parts that are listed by other truckers and dealers throughout the United States. These parts can be purchased from independent sellers and either shipped or picked up. Doing business this way allows truckers to save money while still getting the exact parts that they need. By using Internet databases, truckers can view the parts they want to purchase before actually forking over the cash. This allows buyers to use the Internet for another important task-research.


Why You Need a Merchant Account  

Why You Need a Merchant Account  

If a business, irrespective of the nature be it online or a standard conventional brick and mortar business, does not accept credit card payments they are definitely losing out on a lot of business to the competition. It is imperative to accept payments through cards and through an online payment gateway if the business is based on internet    high risk offshore merchant account    transactions. Accepting payments through cards in just another facility you are offering your customers in that they have another form of payment and you as a business have another form of billing. You are also offering your customer assured credit based services and getting yourself guaranteed payment.

However, it is not possible to offer online payment facilities to your customers without setting up an account first. The process of setting up an account not an easy one, neither is it a cheap proposition. Many merchant solution providers will not let up on the opportunity to take you to the cleaners when negotiating terms and conditions for setting up a merchant account for your business. Therefore it is very important that you know what a merchant account is all about and what the competitive rates are.

A merchant account is linked to your bank checking account of your business. When someone uses a card to pay the transaction is carried out through the account provider. This provider receives the payment and credits it to your checking account minus the transaction fee. Depending on the type of account the fee varies. Some service providers do not accept certain types of businesses because they pose a high risk for fraudulent credit card


Why Adult Companies Should Re-Look at Pay Per Click Advertising

Some people who have been in the Adult business for years will tell you that adult pay per click providers cannot be a reliable traffic source. However, they are making that assertion from an outdated and shaky set of experiences. Many of these industry stalwarts suffered some poor returns from the activity they ran using prosaic adult PPC services over a decade before. It is true that adult PPC programs that were running ten years ago forgot to put the customer first, with unnecessarily high click costs and excessive 성인용품사이트  amounts of fraud.

However, these same people who were running PPC campaigns by hand back then are now key figures in the adult business; and they have power of where marketing budgets are spent. Haunted by their memories of poor returns from PPC a decade previously, these top execs now feed a substantial amount of their promotional budgets into their affiliate programs, many of which are now substantial in size and difficult to scale further. Affiliates as part of each program continue to demand new tools to promote the adult businesses products, which eats budget.

However, affiliate programs can destroy value. Directing traffic to sites with free video tools can lead to a high consumption of bandwidth. Likewise, by allowing affiliates to send whatever traffic they please (fraudulent or not) to an adult merchants site, the merchant increases the possibility of additional bandwidth erosion with few sales to show for it. These two problems, cash burn and fraudulent traffic, are the very concerns that turned them off PPC advertising a decade ago.

Step by step instructions to Avoid the Top 5 Mistakes Made by Parents with Adult Children Living at Home

Regardless of whether they’ve never left the home or, as so numerous in the “boomerang age, they’re getting back after some time away, you’re probably battling to discover approaches to make the relationship with your adult kids living at home work. The uplifting news is, grown-up children can live effectively at home – however just on the off chance that you dodge some basic errors directly from the beginning (or right them immediately!).

1. Empowering resistance by resuming nurturing directly from the last known stopping point

It very well might be difficult to recollect in some cases, yet 성인용품 youngsters living at home are still adults. A definite method to set yourself up for struggle is to over-parent them.

Adults who are over-nurtured and over-regulated will revolt as fast as young people, so you have to build up certain procedures to set up another adult-to-adult relationship – snappy!

2. Taking your kid’s autonomy by giving them a “complementary lift”

It tends to be enticing to attempt to help your “boomerang” kids by covering the entirety of their everyday costs – particularly on the off chance that they’ve gotten back after an individual emergency like losing an employment or the cut off of an association.

In any case, for what reason would it be a good idea for them to actually figure out how to deal with themselves when you’re all around very anxious to do it for them? Indeed, even a momentary stay ought to require your “boomerang” children to add to family unit costs and tasks. The most ideal approach to set these desires obviously is by working out a family unit financial plan, so everybody is on the same wavelength as far as the additional costs your adult kid is causing at home.

3. Accepting that since you’re completely adults, there’s no requirement for rules

In the event that you figure you needn’t bother with guidelines for your adult kids living at home, consider how you’d feel about them smoking, drinking, or utilizing drugs in your home – or in any event, carrying a darling to remain for the time being.

As odd as it might sound, specialists concur that the most ideal approach to talk about – and stick to – these family unit rules is to draft up a redid contract among you and your “boomerang” kids.

4. Trading off your own monetary circumstance to help your adult kid

With adult kids living at home, you’ll be utilizing more warmth, boiling water, and power. You’ll have to purchase more staple goods. Indeed, all your family costs will increment. Yet, regardless of what you do, don’t risk your own monetary future to help your adult kid. You benefit neither yourself nor your youngsters in any way by making additional obligation or commitments for yourself.

On the off chance that you don’t have a clue where the cash to make the circumstance work will come from, you have to take some time to consider whether you can help your adult youngster by having them live at your home.

5. Expecting they will leave when everything looks good

The most ideal approach to guarantee your “boomerang” kids leave inside a sensible time period is to set up an unmistakable course of events for their remain and achievements to assist them with arriving at autonomy.

Salon Business Marketing Tools: Video Mistakes to Avoid

Promoting your salon by means of Internet video like YouTube can be exceptionally worthwhile for your business. Tragically numerous hairdressers, cosmetics specialists and salon proprietors fail to remember some central issues while making their salon recordings to market to people in general.

I will give you (5) business promoting tips you have to know before you get the camera and transfer for the world to see. Following these tips will separate you from your opposition and establish the framework for creating more traffic to your salon which approaches More Money, More Clients, More Money, More Clients. How about we hop in!

Pre-Video Marketing Tips:

Characterize yourself. You can characterize yourself by zeroing in on your abilities. You are a craftsman and on the off chance that you don’t characterize what you do and how you do it another person will. At the point when you are making your salon video for advertising this should be clear. It is your picture and it is the thing that individuals will recall about you.

Polished methodology Counts: The manner in which you make and configuration you salon advertising video is the thing that the world will recall about you, your salon business and your abilities. In the event that your video looks chaotic, dim, has heaps of foundation commotion, and so forth it talks about how you lead business. Despite the fact that it’s a video, recollect it’s the initial introduction your future customers will have about you and your salon.

It’s a Numbers Game: Don’t surrender too early. The more individuals who think about you and what you do the more traffic you will have. Set your focus on think positive and to be patient when you are making your recordings. Traffic might be moderate at first yet over the long run particularly on the off chance that you utilize the strategies I’ve delineated in Salon Video Marketing for YouTube, you will see the traffic to your salon recordings and salon site increment significantly. This implies you will have more introduction and the more presentation you have the more calls you will get.

Be the Expert: A great deal of times 수원풀싸롱 proprietors, beautician, excellence experts as a rule might suspect the more they show individuals about what everything they can do the more customers you will have. Studies, show that when you center around a strength or what we call a specialty market you it isolates you from the group and permits you to stick out and be heard. This is the thing that YOU need. You need to be the master in your field. The master in shading, the master in expansions, weave, regular hair, and so on