TLS and Certificates

Hello,

I'm developing an application in VB.NET and have a requirement to communicate with a payment processor via TLS. I'm reading over technical articles on TLS. The articles suggest that an X.509 certificate is used when communicating.

Is a certificate required when implementing .Net SSL classes?

Thank You.
mdawley4Asked:
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Brian MurphyIT ArchitectCommented:
Yes.

Signature and authentication being two distinct differences.

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Dave HoweSoftware and Hardware EngineerCommented:
Normally the X509 certificate is at the payment processor end - unless there is a requirement for a client cert (which often the PP will issue to you) you merely need to verify the certificate and negotiate an encrypted link using it - both of which normally System.Net.Security.SSLStream will take care of for you.

note, if the PP's API is basically HTTPS (RESTful apis being a good example) then you can use the easier System.Net.WebRequest to handle the HTTPS for you too
John Gates, CISSPSecurity ProfessionalCommented:
And you will want TLS 1.2 for PCIDSS compliance.  I write applications that process credit cards and can tell you to make sure that credit card information is encrypted through the transaction lifecycle.  From the time someone types a credit card in until the time you present it to the processor and get a response.  If you can I would also suggest not holding any PII locally.  If you need to store cardholder information in your database insure it is encrypted.

Hope this helps!
-D-
Dave HoweSoftware and Hardware EngineerCommented:
TLS 1.2 is more a server-side thing (again) though, John - the dotnet libraries will support TLS 1.2 provided the server does. Ideally, the PP should be 1.2 only by now, so the question is moot - either the client library can negotiate a TLS 1.2 connection, or it will fail to set up at all.
John Gates, CISSPSecurity ProfessionalCommented:
You would be surprised how many payment gateways will still allow a 1.1 connection. And the .NET libraries can be set to not allow lower trasport layer security. The rest of my statement holds true and I believe provides the asker valid useful information that will help them in the long run.  

-D-
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