The final and notably the most important part of having e-commerce security is PCI compliance
. PCI stands for payment card industry, it's an independent body formed by the top credit card companies in order to create better online payment security. Visa, MasterCard, American Express, JCB and Discover came together in 2006 to set a new standard for processing, storing and transmitting credit card data on the web. They ask that merchants both big and small become PCI complaint so they can offer their customers the safest environment to carry out secure transactions. A number of people believe that becoming SSL certified is enough to counter fraudulent charges and credit card theft so there remains a large number of e-commerce solution providers and merchants that are still not PCI compliant. Even though you can't be regulated by federal law to become compliant, many states are beginning to enforce this standard and punishing those who are not compliant. For those unfortunate enough to be punished, they are faced with huge fines, lawsuits and their ability to accept credit cards will be revoked. So unless you want to ruin your online business, it's only wise to choose an ecommerce solution with PCI compliance.