1. Scope

The scope of this document covers the following entities: Worldline eCommerce Solutions’ entities (WeCS) and Worldline Financial Solutions SA/NV (WFS). Both are later referred to in the document as Worldline.

Organisation of Information Security

The objective(s):

Worldline has an information security office that has been ratified and is supported by senior management and ensures that its information security personnel are competent in information security. Measure(s) include(s):

  • Worldline established an information security office with expertise in the different domains of information security
  • Members of the information security office have a full-time responsibility for information security
  • The information security office reports directly to an Worldline senior management member
  • Worldline security office has developed a comprehensive set of information security policies, approved by senior management and disseminated to all Worldline workers
  • Worldline security policies and procedures are reviewed at least annually and updated when required
  • Worldline workers are given training on information security, compliance and data privacy topics and must take and pass a test on information security at least annually

Information Security Management System

The objective(s):

Worldline has an ISMS (Information Security Management System) in place to evaluate risks to the security of personal data, to manage the assessment and treatment of these risks and to continually improve its information security. The security controls and activities are implemented in a business as usual approach. Measure(s) include(s):

  • Worldline has deployed an ISMS to manage security professionally and its ISMS has been inspired and based upon industry best practices, frameworks and standards such as the Payment Card Industry Data Security Standard (PCI DSS), ISO/IEC 27001:2013.

Physical Access Security

The objective(s):

Limitation of the physical access to Worldline systems and data to only authorized Worldline workers. Measure(s) include(s):

  • The payment platform is hosted at a professional, production data center with a defined and protected physical perimeter, strong physical controls including access control mechanisms, controlled delivery and loading areas, surveillance and 24x7x365 guards
  • The production data center and its equipment are physically protected against natural disasters, malicious attacks and accidents
  • Only authorized representatives have access to the production data center premises, all datacenter accesses are logged
  • The data centers are located within European Union
  • A camera system (CCTV) monitors all entrances and operational areas within the data center; the recording must use a time synchronization mechanism and be retained for one month
  • Desks and workplaces are left clean by Worldline workers when leaving the office in accordance with the clean desk policy
  • Secure printing has been implemented to avoid unauthorized access the print-out on the server.

System Access Security

The objective(s):

Access to Worldline systems and platforms are only used by authorized, authenticated users. Measure(s) include(s):

  • Access to Worldline production environment is granted only to authorized Worldline workers (the authorized persons)
  • Access are limited as required for those authorized persons to fulfil their function
  • Multi-factor authentication is required for access to Worldline production environment
  • All access granted as “user” to Worldline production environment require a unique and personal identifier (a “user account”)
  • Any mobile devices (laptop, USB key,…) must have disk encryption protection in place in order to protect against data leakage when such a device is stolen or lost
  • The Worldline password policy and acceptable usage policy prohibits the sharing of passwords, re-use of personal non-work related password and requires passwords to be changed on a regular basis and default passwords to be altered. All passwords must fulfil defined minimum requirements and are stored in encrypted form.
  • Each computer has a password-protected screensaver that is activated upon a specific time of inactivity
  • The production environment is equipped with multiple layers of security controls such as firewalls, web application firewall, intrusion detection systems, intrusion prevention systems, file integrity monitoring, etc.
  • Network access control must be implemented in order to avoid un-trusted device to connect to the privileged network segment having access to the Worldline information systems
  • All of the production systems (including network equipment) are logging into a central log server
  • All Worldline production systems must be set to log key & critical events. These logs must be centralized, appropriately secured and kept for a minimum of 12 months.
  • User lifecycle management procedures have been implemented to assign, deploy user rights in alignment with the specific assign function and revocation user rights and deactivation of user account upon leaving the company.
  • Access Authentication to the environment hosting the information systems is based on a two-factor authentication mechanism.
  • Worldline has implemented a formal change management program with a change advisory board (CAB) that evaluates, approves or rejects changes. The CAB is led by a change manager and consists out of members from different departments, such as research & development, security, operations, etc.

Data Access

The objective(s)

Persons entitled to use data processing systems gain access only to the data that they are authorized to access. The authorized persons need to be trustworthy and need to handle the data in accordance with their classification. Measure(s) include(s):

  • Data access is granted by the “Need-To-Know and Need-to-Use” principles in alignment with the job function/role.
  • The production environment is separate from the development, integration and testing environment.
  • Worldline employs data minimization principle and where appropriate and practical, pseudonymizing is used to reduce the likelihood of inappropriate access to personal data.
  • Information is disposed of in accordance to its classification level and by following the established procedure(s)
  • Worldline will perform background verification on all employees. Worldline shall be required to perform the following background verification checks on all employees recruited/hired with access to any assets before they start work activities]:
    • Proof of legal right to work;
    • Proof of legal address;
    • Identity verification (passport or similar document);
    • Confirmation of claimed academic and professional qualifications;
    • Verification (for completeness and accuracy) of the applicant’s curriculum vitae;
    • Criminal record or review;
    • Certificate of Good Conduct or an equivalent certificate depending on the country, from the relevant police authority

Data Transmission

The objective(s):

Prevent data from being read, copied, altered or deleted by unauthorized parties during transfer. Measure(s) include(s):

  • Customer access to the payment platform and end customer (card holder) payment request are protected through strong encryption protocols and ciphers; e.g. HTTPS with Transport Layer Security (TLS)
  • The strength of the TLS is closely monitored, so that no weak ciphers and protocols are allowed.
  • Data is exchanged based on secure protocols agreed between Worldline and the Financial Institutions.

Vulnerability Management

The objective(s):

Prevent systems from being compromised by reducing the attack surface using vulnerability detection and timely system patching. Measure(s) include(s):

  • Worldline will establish and maintain up-to-date protection against malicious code.
  • The Worldline systems must be patched on monthly basis. A risk-based approach can be used with high risk security patch being installed within a month and medium risk security patch within three months.
  • Where updates cannot be applied to a system, Worldline deploys appropriate security countermeasures to protect the vulnerable systems.
  • The Worldline systems have a firewall enabled and configured according to standards.
  • Worldline has controls in place to ensure that the ability to use USBs or portable media is restricted. Monitoring controls must be in place to detect and block (where appropriate) the use of USBs or portable media.
  • Worldline performs internal network vulnerability scans on a regular basis.
  • Penetration tests are performed on a regular basis.

Secure Development Life Cycle

The objective(s):

Prevent against unauthorized, malicious code and ensure robust and secure applications through implementing a secure development life cycle (SDLC). Measure(s) include(s):

  • Worldline will develop software and systems upon Secure Software Development Lifecycle (SDLC) guidelines. The guidelines are based on industry standards and/or best practices, and include (but are not limited to):
    • No production data (Live PANs) is used during testing and development.
    • All source code must be reviewed prior to release.
    • Change control processes and procedures will be followed for all changes to software and systems.
    • Test and development environment will be separate and appropriate access controls will be enforced.
  • Code reviews are performed by someone other than the developer of the code to allow for an independent and objective review.
  • Code reviews ensure code is developed according to secure coding guidelines and PCI DSS requirements.
  • Developers must be trained in secure coding best practices and frameworks.
  • All code changes are documented and monitored and can be linked to the developer that initiated the code changes.

Incident Management

The objective(s):In the event of any security breach of personal data, the effect of the breach is minimized and the stakeholders are promptly informed. Measure(s) include(s):

  • Worldline maintains an up-to-date incident response plan that includes responsibilities, how information security events are assessed and classified as incidents and response plans and procedures.
  • Worldline logs administrator and user activities at the production data center to provide evidence in the event of an incident.
  • The clocks of all systems at the production data center are synchronized to a reference time source to support time tracking of activities and logs in the event of an incident.
  • Worldline regularly tests its incident response plan and learns from tests and potential incidents to improve the plan.
  • In the event of a security breach, Worldline will notify the impacted stakeholders within an acceptable time after becoming aware of the security breach.

Compliance

The objective(s):

Provide a service in alignment with industry rules and regulations. Measure(s) include(s):

  • Worldline conducts regular internal and external audits of its security
  • Worldline takes reasonable steps to ensure that Worldline workers are aware of and comply with the technical and organizational measures set forth in this document.
  • Worldline provides awareness training for Worldline workers to educate them on different topics such as compliance, security, PCI DSS, etc.
  • Worldline conducts at least quarterly application vulnerability scan penetration tests on the payment platform.
  • Worldline will maintain its security certification such as PCI DSS.

Business Continuity

The objective(s):

Ensure a high-available service to the customers and reduce platform outages and/or downtime. Measure(s) include(s):

  • Worldline uses a high level of availability at the production data centers so that a failure of a single system or component is unlikely to impact general availability.
  • The production platform is deployed over multiple data centers within Europe.
  • The production data center has multiple power supplies, generators on-site and with battery back-up to safeguard power availability to the data center.
  • The production data center has multiple access points to the Internet to safeguard connectivity.
  • The production data center is monitored 24x7x365 for power, network, environmental and technical issues.
  • Worldline has a business continuity plan (BCP) and a disaster recovery plan (DRP) which are tested at least annually.

Preguntas más frecuentes

Worldline ofrece servicios de pago conformes con estándares de seguridad de datos de vanguardia en el sector de pagos: PCI DSS.
PCI DSS incluye un gran conjunto de requisitos de seguridad y controles que se implementan y ejecutan de manera periódica.
Estos controles de seguridad tienen como objetivo mantener un elevado nivel de seguridad constante en la plataforma de pago, lo que brinda una protección óptima de las transacciones y los datos.

Phishing es un derivado de la palabra "fishing". La sustitución de la 'f' por 'ph' probablemente se base en una abreviatura de la expresión "password harvesting fishing". 
Los operadores de phishing utilizan los correos electrónicos, los enlaces de hipertexto y las páginas de Internet para redirigirle a sitios web falsos donde se le pedirá que muestre datos confidenciales como los detalles de su cuenta bancaria o el número de la tarjeta de crédito. Un correo electrónico malicioso normalmente le pide que confirme la contraseña, los detalles bancarios, los números de cuenta, los detalles de la tarjeta de crédito u otros datos similares haciendo clic en un enlace contenido en el mensaje. Este enlace le dirigirá a una página falsa con una dirección que es casi idéntica a la del sitio original.
Prevención:
- Tenga cuidado con los correos electrónicos.
- Es muy fácil falsear la dirección de un remitente: el autor del correo electrónico que reciba no es necesariamente el proveedor de servicio que usted creía que era.
- No responda a los correos electrónicos que le pidan que especifique datos personales. Los proveedores de servicio como Worldline, los bancos, los emisores de tarjetas de crédito, etc., nunca le pedirán que muestre la contraseña, el número de la tarjeta de crédito ni otra información personal por correo electrónico.
- Especifique enlaces de forma manual. No pulse en ningún enlace contenido en mensajes sospechosos: especifique la dirección URL manualmente (por ejemplo, la dirección de su banco, la plataforma de Worldline) o búsquela en sus Favoritos. Los enlaces contenidos en correos electrónicos fraudulentos pueden dirigirle a sitios web falsos. Las diferencias en las direcciones URL normalmente son difíciles de ver. El aspecto del sitio también puede ser engañoso.
- Compruebe el cifrado de las páginas web. Antes de especificar los detalles personales en un sitio web, compruebe que el sitio cifra los datos personales buscando https ("s" para seguro) en la dirección web y un teclado cerrado o un icono de candado en el navegador. Lamentablemente, el icono de teclado (y el candado) puede ser falso en determinados sistemas. Compruebe que se encuentra realmente en el sitio en el que piensa que está haciendo doble clic en el icono de teclado para mostrar el certificado del sitio. Asegúrese de que el nombre del certificado y el nombre de la barra de direcciones coincidan. Si los nombres son distintos, podría estar en un sitio falso.
- Compruebe los extractos bancarios y de la tarjeta de crédito con regularidad.
- Actualice la seguridad de su equipo: Habilite un filtro antiphishing para identificar los sitios fraudulentos antes de visitarlos. Algunos navegadores (p.ej. Internet Explorer) tienen este tipo de filtro. De lo contrario, puede instalarlo como una barra de herramientas. Aplique regularmente las correcciones de seguridad más recientes para el sistema operativo y el software instalado en el equipo. Instale un cortafuegos. Instale un software antivirus y manténgalo actualizado.

¿Qué debe hacer si se convierte en víctima de phishing?
Si cree que ha recibido un correo electrónico de phishing, haga lo siguiente:
- Cambie INMEDIATAMENTE las contraseñas y/o los códigos PIN de la cuenta en línea con la empresa cuya identidad se ha usurpado. 
- ENVÍE el mensaje fraudulento a la empresa en cuestión. Normalmente tendrá una dirección de correo electrónico especial para notificar tales ataques. Por ejemplo, si recibe un correo electrónico de phishing relacionado con Worldline e-Commerce Solutions, envíanoslo a través de nuestro formulario de contacto.
- NOTIFIQUE el intento de phishing a las autoridades relevantes (policía local, Internet Fraud Complaint Center (Centro de quejas contra fraude en Internet), Anti-phishing working group (Grupo de trabajo antiphishing).
- CONSERVE todas las PRUEBAS del fraude. En concreto, en el caso de un intento de phishing mediante correo electrónico, no suprima el correo electrónico ya que contiene, oculto en la cabecera, la información necesaria para rastrear el origen del intento.

Worldline ePayments y comunicaciones:

  • Los correos electrónicos no comerciales de Worldline e-Commerce Solutions (anteriormente Worldline ePayments) siempre se envían desde el dominio Worldline
  • Worldline ePayments nunca le pedirá que muestre sus datos financieros personales ni ninguna otra información personal (contraseña, número de tarjeta de crédito, número de cuenta bancaria, etc.) por correo electrónico.
  • Worldline ePayments nunca solicitará a ningún comerciante que realice una operación de pago (tenga en cuenta, sin embargo, que en algunos casos específicos, cuando nos ha contactado por un problema de transacción en curso, podemos solicitarle que realice nuevamente la operación fallida).
  • Worldline ePayments nunca mostrará por correo electrónico el número completo de la tarjeta de crédito.
  • Los correos electrónicos de Confirmación de pago enviados por la plataforma Worldline ePayments nunca contendrán ningún archivo adjunto.
  • En caso de duda o si advierte algo sospechoso, póngase en contacto con nuestro departamento de Atención al cliente

Para obtener más información:

Worldline ofrece soluciones de pago adecuadas, seguras, inteligentes y eficientes para todo tipo de canales: tienda física, en línea y móvil. Worldline facilita a los comerciantes una gama exhaustiva e innovadora de servicios y soluciones que eliminan la complejidad del pago y hacen que la compra resulte rápida, eficiente y segura en diversos canales de venta y métodos de pago.  
Worldline engloba tres divisiones: Worldline Smart Terminals e Worldline . A través de nuestra gama integral de terminales inteligentes, servicios de pago y soluciones móviles, facilitamos a los comerciantes la aceptación de pagos en el establecimiento y a través de Internet.

Ogone, que ahora se conoce como Ingenico ePayments, fue un destacado proveedor de servicios de pago en línea de ámbito europeo que fue adquirido por Ingenico Group en 2013 y se fusionó con GlobalCollect en 2015 para convertirse en Ingenico ePayments.
Para honrar el importante legado y el nombre de este proveedor, el término Ogone se utiliza ahora para describir la plataforma de Ingenico ePayments, que incluye Ingenico Collect, una solución de pago única que permite a los comerciantes ofrecer métodos de pago preferidos en distintos países, sin el inconveniente de tener que abrir varias cuentas bancarias o crear nuevas entidades jurídicas.
Con su plataforma Ogone y otras ofertas, Ingenico ePayments va más allá de los pagos, ofreciendo servicios de consultoría globales en cuestiones tales como normativas locales, hábitos y preferencias de pago regionales y fraude y conformidad.
En el pasado y antes de adoptar el nombre Ingenico ePayments, Ogone se denominó temporalmente Ingenico Payment Services. Sin embargo, una vez que Ogone unió sus fuerzas a GlobalCollect, los dos se reunieron bajo un nuevo nombre unificado: Ingenico ePayments.

Actualmente, Ingenico Payment Services es una división independiente de Ingenico Group que ofrece a los comerciantes una gama integral de servicios de administración de transacciones en tienda centralizadas y seguras. Ingenico Payment Services garantiza la seguridad de extremo a extremo, el control y supervisión de las transacciones de comerciantes gracias a una solución de pago centralizada dedicada a minoristas organizados.

Además, Ingenico Payment Services dispone de una completa gama de soluciones de fidelización de clientes para aumentar los ingresos de los comerciantes, entre las que se incluyen: programas de tarjeta de fidelización y administración de programas de fidelización, administración de tarjetas prepago y tarjetas de regalo, análisis de datos del cliente y administración de campañas de marketing.