electronic payment service and information security

Written by Azza Hawash

The importance of electronic payment service and information security when designing electronic stores

electronic payment service

Electronic payment and information security are two essential parts of the process of managing electronic stores. The relationship between them is how to secure and achieve the safety of customers’ financial and personal data during online purchases. Here are some important points that clarify this relationship, which you must ensure when designing your online store:

Customer data protection:

Information security should be a top priority for online stores. When customers enter their personal and financial information during the checkout process, stores must take effective measures to protect this information from unauthorized access.

Use security protocols:

Online stores must use strong security protocols, such as Secure Data Transfer (SSL). A Secure Socket Layer (SSL) certificate is a digital certificate that authenticates a website’s identity and encrypts data sent between a user’s browser and an e-commerce site. To encrypt information as it is transmitted over the Internet. This protects data from unauthorized interception during financial operations.

Accreditation of reliable electronic payment service providers:

Online stores should choose reliable and certified payment service providers. These providers adopt high-security standards and offer a secure solution for online payments.

Compliance with security standards:

Online stores must comply with industry-recognized security standards, such as the PCI DSS (Payment Card Industry Data Security Standard) which defines security requirements for processing financial data.

Providing precautionary measures:

It is preferable for stores to implement precautionary measures and continuous verification to ensure the safety of the system and its resistance against cyber attacks. Therefore, it is necessary for the online store to be fully prepared to deal with emergencies, most notably the occurrence of any major electronic attack or service interruption. The primary goal of this strategy – i.e. data backup – is to restore the site and all its databases in order for the store to function normally again with the least effort and in the fastest possible way. In this regard, we advise all online store owners to establish a strict policy for backing up all databases associated with the website.

Educating customers about security:

Stores can enhance security by educating customers about the importance of using strong passwords and avoiding sharing credit card information in public places.

Electronic payment service providers

In the Kingdom of Saudi Arabia, many reliable electronic payment service providers provide secure solutions for online stores. Here are some of them:

Mada and electronic payment service:

Mada is the official electronic payment system in the Kingdom of Saudi Arabia. Offers Mada cards that can be used to pay online.

STC Pay:

STC Pay provides electronic payment services and an application that allows users to conduct their financial transactions securely. E-merchants can integrate STC Pay as a payment option in their stores.


PayPal is one of the largest electronic payment service providers in the world. It supports many countries, including Saudi Arabia, and is widely used for online payment.

Apple Pay:

Apple Pay provides a secure payment method for users of smart devices that support this technology. It can be integrated as a payment option into online store apps.

In short, electronic payment and information security are closely integrated to ensure a safe and reliable shopping experience through online stores. They are among the most important elements that must be taken into account when designing your online store to avoid the following risks:

Security and data privacy risks

Cybersecurity is one of the most important concerns for businesses operating online. From DDoS attacks and credit card fraud to malware transfer, online stores need to beef up their security to ensure a safe user experience.

DDoS attack

A DDoS attack occurs when your store’s website is exposed to threats from thousands of untraceable IP addresses. These paths often result from tampering with IoT devices and can lead to serious damage, such as leaving you with a website offline or paving the way for advanced malware attacks.

Debit card fraud

Likewise, credit and debit card fraud is another major threat faced by e-commerce businesses. With stores processing hundreds of transactions every day, identifying fraudulent transactions is an afterthought. As a result, store owners can raise credit card bill paying costs, and reduce their marketing, promotions, and inventory budget.


E-commerce stores must also protect themselves from malware attacks. Malware is a software component that is specifically designed to harm a computer network. The malware is embedded into web pages through various techniques, such as SQL injection.

The malware allows cybercriminals to impersonate the store, take control of computers and networks. Send malicious emails on behalf of the store, gain full access to confidential data, and interfere with the database.

Given these threats, store owners must implement advanced cybersecurity measures, such as installing antivirus. To ensure that their digital store remains protected against all forms of online security and data privacy risks.


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