Here is a summary of your argument in your own words:
> So in summary, yes, you can integrate with Stripe in such a way that you send them the card details... but then your business will need to be PCI compliant to the level of a PSP which, believe me, is damn hard.
What others in this thread are arguing is that sharing CC details with anyone is a stupid way of doing payments. It doesn't matter if you're interacting with a PSP or otherwise. You shouldn't share a secret that someone else could use to generate payments. You should share some type of payload that is only valid for the payment you're making.
As another person that's worked in payment (specifically aquiring) for 6 years: PCI compliance is not a trivial matter as you seem to believe.
It involves recurring audits of all systems in contact with cc information.
While I've never used stripe, i doubt they'd let you use that API without the certificate, as they wouldn't be able to do the aquiring for illegitimate transactions such as that. They could lose their status as an aquirer if they did that knowingly, and that would make it impossible to process any visa/Mastercard transactions.
You're more likely to encounter a simple scam/phishing site then a legitimate shop that let's cc information onto their servers. And that's honestly the only danger apple pay protects you from.
> You shouldn't share a secret that someone else could use to generate payments. You should share some type of payload that is only valid for the payment you're making.
He’s advocating for a more secure one-time way of making a payment.
It would be more secure since it’s one-time and could not be reused even if the merchant didn’t use a pci compliant design
What PCI says is irrelevant. The argument being made is that when you enter your CC number into a website you have no idea if the receiving party is PCI compliant or not. There are ways to design a payment systems that reduces this counter party risk.
> You may be surprised to know that, when doing a "conventional" CC transaction, you are most certainly not giving any stranger information that would allow them to perform a transaction in your name on another merchant.
How do you know as a client the merchant doesn’t have a skimmer embedded in their payment page? Or that they don’t post directly to their servers (whether accidentally or not)? Are the PCI police going to catch them? Maybe they want to store cards to process later and don’t know or care about pci.
The problem is using the same details for every transaction in a loosely authorized way.
In a perfect world the merchant won’t have access to the card details (like with one-time payments) and everything would go thru a provider with a preauthorized payment. But we don’t live in that world right now.
Here is a summary of your argument in your own words:
> So in summary, yes, you can integrate with Stripe in such a way that you send them the card details... but then your business will need to be PCI compliant to the level of a PSP which, believe me, is damn hard.
What others in this thread are arguing is that sharing CC details with anyone is a stupid way of doing payments. It doesn't matter if you're interacting with a PSP or otherwise. You shouldn't share a secret that someone else could use to generate payments. You should share some type of payload that is only valid for the payment you're making.
As another person that's worked in payment (specifically aquiring) for 6 years: PCI compliance is not a trivial matter as you seem to believe.
It involves recurring audits of all systems in contact with cc information.
While I've never used stripe, i doubt they'd let you use that API without the certificate, as they wouldn't be able to do the aquiring for illegitimate transactions such as that. They could lose their status as an aquirer if they did that knowingly, and that would make it impossible to process any visa/Mastercard transactions.
You're more likely to encounter a simple scam/phishing site then a legitimate shop that let's cc information onto their servers. And that's honestly the only danger apple pay protects you from.
I’m not sure what you’re replying to?
He says:
> You shouldn't share a secret that someone else could use to generate payments. You should share some type of payload that is only valid for the payment you're making.
He’s advocating for a more secure one-time way of making a payment.
It would be more secure since it’s one-time and could not be reused even if the merchant didn’t use a pci compliant design
What PCI says is irrelevant. The argument being made is that when you enter your CC number into a website you have no idea if the receiving party is PCI compliant or not. There are ways to design a payment systems that reduces this counter party risk.
You:
> You may be surprised to know that, when doing a "conventional" CC transaction, you are most certainly not giving any stranger information that would allow them to perform a transaction in your name on another merchant.
How do you know as a client the merchant doesn’t have a skimmer embedded in their payment page? Or that they don’t post directly to their servers (whether accidentally or not)? Are the PCI police going to catch them? Maybe they want to store cards to process later and don’t know or care about pci.
The problem is using the same details for every transaction in a loosely authorized way.
In a perfect world the merchant won’t have access to the card details (like with one-time payments) and everything would go thru a provider with a preauthorized payment. But we don’t live in that world right now.