Discussion:
Guidance regarding secured/hosted fields for PCI (Payment Card Industry) Compliance
Beth Martin
2018-11-19 16:25:30 UTC
Permalink
Hello,

I'm looking for some additional guidance regarding secure fields needed for
PCI (Payment Card Industry) compliance for ecommerce. Payment providers
now offer a solution for a higher level of conformance where each payment
field (credit card number, CVV, and expiration date) is a DOM-injected
iframe, comprising of a `label`, `input`, error validation, styling, and
focus management. These iframed fields are referred as "secure fields" or
"hosted fields".

We are working with our payment provider to improve their markup, however,
if they followed all form and iframe related guidelines, would there be any
other concerns regarding accessibility?

Thanks!

Beth Martin
Brian Lovely
2018-11-19 19:15:20 UTC
Permalink
Usually, unless you do something unusual and/or complicated, sticking to
the HTML standards (programmatically associated form labels,
fieldset/legend for groups, titles for iframes), will be fairly compliant.
Post by Beth Martin
Hello,
I'm looking for some additional guidance regarding secure fields needed
for PCI (Payment Card Industry) compliance for ecommerce. Payment
providers now offer a solution for a higher level of conformance where each
payment field (credit card number, CVV, and expiration date) is a
DOM-injected iframe, comprising of a `label`, `input`, error validation,
styling, and focus management. These iframed fields are referred as
"secure fields" or "hosted fields".
We are working with our payment provider to improve their markup, however,
if they followed all form and iframe related guidelines, would there be any
other concerns regarding accessibility?
Thanks!
Beth Martin
--
*Brian Lovely*
Digital Accessibility
804.389.1064
________________________________________________________

The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
Phill Jenkins
2018-11-19 19:50:52 UTC
Permalink
..where each payment field (credit card number, CVV, and expiration date)
is a DOM-injected iframe, comprising of a `label`, `input`, error
validation, styling, and focus management. These iframed fields are
referred as "secure fields" or "hosted fields".

hmm, this does sound like a "something unusual and/or complicated".

@Martin, I think you're saying that although the form looks "normal" to
the sighted user, underneath the covers many of the fields are actually
iframed fields. so if all that complicated structure, such as a large form
with mutiple embedded iframes and form field is what the assistive
technology (e.g. screen reader) user hears, that will be very confusing at
best and totally inaccessible at worst..

Does the user know that there are embedded iframes in the form? is there a
way to hide that? I don't think you could simply ignore the iframes since
they include relevent form fields.

I have no immediate sugggestions on how to fix / make that accessible.
Anyone else?
___________
Regards,
Phill Jenkins
Check out the new system for requesting an IBM product Accessibility
Conformance Report VPAT® at able.ibm.com/request
***@us.ibm.com
Senior Engineer & Accessibility Executive
IBM Research Accessibility

linkedin.com/in/philljenkins/
www.ibm.com/able
twitter.com/IBMAccess
ageandability.com




From: Brian Lovely <***@capitalone.com>
To: ***@gmail.com
Cc: w3c-wai-***@w3.org
Date: 11/19/2018 01:21 PM
Subject: Re: [External Sender] Guidance regarding secured/hosted
fields for PCI (Payment Card Industry) Compliance



Usually, unless you do something unusual and/or complicated, sticking to
the HTML standards (programmatically associated form labels,
fieldset/legend for groups, titles for iframes), will be fairly compliant.


On Mon, Nov 19, 2018 at 1:37 PM Beth Martin <***@gmail.com>
wrote:
Hello,

I'm looking for some additional guidance regarding secure fields needed
for PCI (Payment Card Industry) compliance for ecommerce. Payment
providers now offer a solution for a higher level of conformance where
each payment field (credit card number, CVV, and expiration date) is a
DOM-injected iframe, comprising of a `label`, `input`, error validation,
styling, and focus management. These iframed fields are referred as
"secure fields" or "hosted fields".

We are working with our payment provider to improve their markup, however,
if they followed all form and iframe related guidelines, would there be
any other concerns regarding accessibility?

Thanks!

Beth Martin
--
Brian Lovely
Digital Accessibility
804.389.1064


The information contained in this e-mail is confidential and/or
proprietary to Capital One and/or its affiliates and may only be used
solely in performance of work or services for Capital One. The information
transmitted herewith is intended only for use by the individual or entity
to which it is addressed. If the reader of this message is not the
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prohibited. If you have received this communication in error, please
contact the sender and delete the material from your computer.
Beth Martin
2018-11-19 20:11:49 UTC
Permalink
Yes - the form looks visually looks "normal" and is styled appropriately
but the label/field/focus/error validation is all contained within an
iframe. As the user tabs in and out of each field using assistive
technology, they are entering and leaving the iframe. If you are looking
for a best-case example, Shopify implements this for their payment fields.
I believe we will see this more and more on eCommerce sites due to PCI
compliance requirements.

On a related note, we are also seeing credit card payment providers using
type="tel" on credit card inputs, sometimes with no label. The response I'm
getting back from the payment provider (Ayden, in our case) is "the tel tag
is necessary for older phones to switch to the proper number input. This is
standard practice in the industry".

Thanks,
Beth
..where each payment field (credit card number, CVV, and expiration
date) is a DOM-injected iframe, comprising of a `label`, `input`, error
validation, styling, and focus management. These iframed fields are
referred as "secure fields" or "hosted fields".
hmm, this does sound like a "something unusual and/or complicated".
@Martin, I think you're saying that although the form looks "normal" to
the sighted user, underneath the covers many of the fields are actually
iframed fields. so if all that complicated structure, such as a large form
with mutiple embedded iframes and form field is what the assistive
technology (e.g. screen reader) user hears, that will be very confusing at
best and totally inaccessible at worst..
Does the user know that there are embedded iframes in the form? is there a
way to hide that? I don't think you could simply ignore the iframes since
they include relevent form fields.
I have no immediate sugggestions on how to fix / make that accessible.
Anyone else?
___________
Regards,
Phill Jenkins
Check out the new system for requesting an IBM product Accessibility
Conformance Report VPAT®at *able.ibm.com/request*
<https://able.ibm.com/request/>
Senior Engineer & Accessibility Executive
IBM Research Accessibility
linkedin.com/in/philljenkins/ <https://www.linkedin.com/in/philljenkins/>
www.ibm.com/able
<http://ageandability.com/>twitter.com/IBMAccess
ageandability.com
Date: 11/19/2018 01:21 PM
Subject: Re: [External Sender] Guidance regarding secured/hosted
fields for PCI (Payment Card Industry) Compliance
------------------------------
Usually, unless you do something unusual and/or complicated, sticking to
the HTML standards (programmatically associated form labels,
fieldset/legend for groups, titles for iframes), will be fairly compliant.
Hello,
I'm looking for some additional guidance regarding secure fields needed
for PCI (Payment Card Industry) compliance for ecommerce. Payment
providers now offer a solution for a higher level of conformance where each
payment field (credit card number, CVV, and expiration date) is a
DOM-injected iframe, comprising of a `label`, `input`, error validation,
styling, and focus management. These iframed fields are referred as
"secure fields" or "hosted fields".
We are working with our payment provider to improve their markup, however,
if they followed all form and iframe related guidelines, would there be any
other concerns regarding accessibility?
Thanks!
Beth Martin
--
*Brian Lovely*
Digital Accessibility
804.389.1064
------------------------------
The information contained in this e-mail is confidential and/or
proprietary to Capital One and/or its affiliates and may only be used
solely in performance of work or services for Capital One. The information
transmitted herewith is intended only for use by the individual or entity
to which it is addressed. If the reader of this message is not the intended
recipient, you are hereby notified that any review, retransmission,
dissemination, distribution, copying or other use of, or taking of any
action in reliance upon this information is strictly prohibited. If you
have received this communication in error, please contact the sender and
delete the material from your computer.
Casey Smith
2018-11-19 21:25:03 UTC
Permalink
While I can't attest to the browser support for these (as neither
caniuse.com or html5test.com mention these), there are indeed Credit Card
input types available <https://www.w3.org/TR/WCAG21/#input-purposes> that
would not only provide the number keypad functionality, but also provide
robust autofill capability. It's also worth mentioning that these input
types are required under the new WCAG 2.1 Success Criterion 1.3.5: Identify
Input Purpose
<https://www.w3.org/WAI/WCAG21/Understanding/identify-input-purpose.html>!
One might argue that using the wrong type for an input would be a failure
of this SC.
Post by Beth Martin
Yes - the form looks visually looks "normal" and is styled appropriately
but the label/field/focus/error validation is all contained within an
iframe. As the user tabs in and out of each field using assistive
technology, they are entering and leaving the iframe. If you are looking
for a best-case example, Shopify implements this for their payment fields.
I believe we will see this more and more on eCommerce sites due to PCI
compliance requirements.
On a related note, we are also seeing credit card payment providers using
type="tel" on credit card inputs, sometimes with no label. The response I'm
getting back from the payment provider (Ayden, in our case) is "the tel tag
is necessary for older phones to switch to the proper number input. This is
standard practice in the industry".
Thanks,
Beth
..where each payment field (credit card number, CVV, and expiration
date) is a DOM-injected iframe, comprising of a `label`, `input`, error
validation, styling, and focus management. These iframed fields are
referred as "secure fields" or "hosted fields".
hmm, this does sound like a "something unusual and/or complicated".
@Martin, I think you're saying that although the form looks "normal" to
the sighted user, underneath the covers many of the fields are actually
iframed fields. so if all that complicated structure, such as a large form
with mutiple embedded iframes and form field is what the assistive
technology (e.g. screen reader) user hears, that will be very confusing at
best and totally inaccessible at worst..
Does the user know that there are embedded iframes in the form? is there
a way to hide that? I don't think you could simply ignore the iframes
since they include relevent form fields.
I have no immediate sugggestions on how to fix / make that accessible.
Anyone else?
___________
Regards,
Phill Jenkins
Check out the new system for requesting an IBM product Accessibility
Conformance Report VPAT®at *able.ibm.com/request*
<https://urldefense.proofpoint.com/v2/url?u=https-3A__able.ibm.com_request_&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=V4YTt_LbpVFg4wgNagc8RbpYsVBJA5In9Mq_RveZywM&e=>
Senior Engineer & Accessibility Executive
IBM Research Accessibility
linkedin.com/in/philljenkins/
<https://urldefense.proofpoint.com/v2/url?u=https-3A__www.linkedin.com_in_philljenkins_&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=YWM4yJZlB4sJBC0ssr7xIeqfZNt5T3HPdan6Yd1NuRM&e=>
www.ibm.com/able
<https://urldefense.proofpoint.com/v2/url?u=http-3A__www.ibm.com_able&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=p-hyvreplFHPSj2qsrD8ShWEY0ULqBBqjCJ_dTF6Y9s&e=>
<https://urldefense.proofpoint.com/v2/url?u=http-3A__ageandability.com_&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=4pucrmgFf-z6O0mbNbO3vlcDaeMf1E-_fjHJLlVrMFE&e=>
twitter.com/IBMAccess
<https://urldefense.proofpoint.com/v2/url?u=https-3A__twitter.com_IBMAccess&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=rA_cNjiImxHmDx1UeJvqtPDelR_9lnBa-aJEgUa1Ho0&e=>
ageandability.com
<https://urldefense.proofpoint.com/v2/url?u=http-3A__ageandability.com&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=X1os9xXAxNoUiuNv5QN_P96PC5Ma5WbnjB-XEXx6YV0&e=>
Date: 11/19/2018 01:21 PM
Subject: Re: [External Sender] Guidance regarding secured/hosted
fields for PCI (Payment Card Industry) Compliance
------------------------------
Usually, unless you do something unusual and/or complicated, sticking to
the HTML standards (programmatically associated form labels,
fieldset/legend for groups, titles for iframes), will be fairly compliant.
Hello,
I'm looking for some additional guidance regarding secure fields needed
for PCI (Payment Card Industry) compliance for ecommerce. Payment
providers now offer a solution for a higher level of conformance where each
payment field (credit card number, CVV, and expiration date) is a
DOM-injected iframe, comprising of a `label`, `input`, error validation,
styling, and focus management. These iframed fields are referred as
"secure fields" or "hosted fields".
We are working with our payment provider to improve their markup,
however, if they followed all form and iframe related guidelines, would
there be any other concerns regarding accessibility?
Thanks!
Beth Martin
--
*Brian Lovely*
Digital Accessibility
804.389.1064
------------------------------
The information contained in this e-mail is confidential and/or
proprietary to Capital One and/or its affiliates and may only be used
solely in performance of work or services for Capital One. The information
transmitted herewith is intended only for use by the individual or entity
to which it is addressed. If the reader of this message is not the intended
recipient, you are hereby notified that any review, retransmission,
dissemination, distribution, copying or other use of, or taking of any
action in reliance upon this information is strictly prohibited. If you
have received this communication in error, please contact the sender and
delete the material from your computer.
--
*Casey Smith*
Digital Accessibility Team
________________________________________________________

The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
Sean Murphy (seanmmur)
2018-11-19 22:00:07 UTC
Permalink
There is a bigger concern, the PCI org is not considering accessibility in their standards. Rather they are more concern in relation to accessibility. Not sure how to educate or change this.

Technically, it might be accessible if people follow WCAG. But is it usable? IFrames are usable if the related content is maintained in the iframe. But if you have multiple iframes for the single form. Then I don’t see this usable at all for specific user bases like screen reader users.

On a side point, PCI in their standards have a range of technology barriers causing serious accessibility challenges for banking organisations with their terminals used within shops. Such as touch screen FPoS or Retail transaction devices. Security is the reasons provided by the banks when this topic is raised. For example, entering in the pin on a touch screen FPoS. As there is no physical keyboard and nor can you connect one via USB or Bluetooth. Multiple disabilities are impacted and the banks have to create innovative solutions which some work and some don’t. Some PWD users are unable to manage the solution while other PWD’s with the same disability can. A real night mare for the banks due to PCI. So there is a bigger issue here for this organisation to address accessibility concerns.

Note: ADA in the USA proscribe physical keyboards on the ATM’s. But I am not sure if this includes FPoS in shops as well. Other countries have different requirements.



Sean



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From: Casey Smith <***@capitalone.com>
Sent: Tuesday, 20 November 2018 8:25 AM
To: ***@gmail.com
Cc: ***@us.ibm.com; Brian Lovely <***@capitalone.com>; w3c-wai-***@w3.org
Subject: Re: [External Sender] Guidance regarding secured/hosted fields for PCI (Payment Card Industry) Compliance

While I can't attest to the browser support for these (as neither caniuse.com<http://caniuse.com/> or html5test.com<http://html5test.com/> mention these), there are indeed Credit Card input types available<https://www.w3.org/TR/WCAG21/#input-purposes> that would not only provide the number keypad functionality, but also provide robust autofill capability. It's also worth mentioning that these input types are required under the new WCAG 2.1 Success Criterion 1.3.5: Identify Input Purpose<https://www.w3.org/WAI/WCAG21/Understanding/identify-input-purpose.html>! One might argue that using the wrong type for an input would be a failure of this SC.

On Mon, Nov 19, 2018 at 3:16 PM Beth Martin <***@gmail.com<mailto:***@gmail.com>> wrote:
Yes - the form looks visually looks "normal" and is styled appropriately but the label/field/focus/error validation is all contained within an iframe. As the user tabs in and out of each field using assistive technology, they are entering and leaving the iframe. If you are looking for a best-case example, Shopify implements this for their payment fields. I believe we will see this more and more on eCommerce sites due to PCI compliance requirements.

On a related note, we are also seeing credit card payment providers using type="tel" on credit card inputs, sometimes with no label. The response I'm getting back from the payment provider (Ayden, in our case) is "the tel tag is necessary for older phones to switch to the proper number input. This is standard practice in the industry".

Thanks,
Beth
..where each payment field (credit card number, CVV, and expiration date) is a DOM-injected iframe, comprising of a `label`, `input`, error validation, styling, and focus management. These iframed fields are referred as "secure fields" or "hosted fields".
hmm, this does sound like a "something unusual and/or complicated".

@Martin, I think you're saying that although the form looks "normal" to the sighted user, underneath the covers many of the fields are actually iframed fields. so if all that complicated structure, such as a large form with mutiple embedded iframes and form field is what the assistive technology (e.g. screen reader) user hears, that will be very confusing at best and totally inaccessible at worst..

Does the user know that there are embedded iframes in the form? is there a way to hide that? I don't think you could simply ignore the iframes since they include relevent form fields.

I have no immediate sugggestions on how to fix / make that accessible. Anyone else?
___________
Regards,
Phill Jenkins
Check out the new system for requesting an IBM product Accessibility Conformance Report VPAT®at able.ibm.com/request<https://urldefense.proofpoint.com/v2/url?u=https-3A__able.ibm.com_request_&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=V4YTt_LbpVFg4wgNagc8RbpYsVBJA5In9Mq_RveZywM&e=>
***@us.ibm.com<mailto:***@us.ibm.com>
Senior Engineer & Accessibility Executive
IBM Research Accessibility

linkedin.com/in/philljenkins/<https://urldefense.proofpoint.com/v2/url?u=https-3A__www.linkedin.com_in_philljenkins_&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=YWM4yJZlB4sJBC0ssr7xIeqfZNt5T3HPdan6Yd1NuRM&e=>
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twitter.com/IBMAccess<https://urldefense.proofpoint.com/v2/url?u=https-3A__twitter.com_IBMAccess&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=rA_cNjiImxHmDx1UeJvqtPDelR_9lnBa-aJEgUa1Ho0&e=>
ageandability.com<https://urldefense.proofpoint.com/v2/url?u=http-3A__ageandability.com&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=X1os9xXAxNoUiuNv5QN_P96PC5Ma5WbnjB-XEXx6YV0&e=>




From: Brian Lovely <***@capitalone.com<mailto:***@capitalone.com>>
To: ***@gmail.com<mailto:***@gmail.com>
Cc: w3c-wai-***@w3.org<mailto:w3c-wai-***@w3.org>
Date: 11/19/2018 01:21 PM
Subject: Re: [External Sender] Guidance regarding secured/hosted fields for PCI (Payment Card Industry) Compliance
________________________________



Usually, unless you do something unusual and/or complicated, sticking to the HTML standards (programmatically associated form labels, fieldset/legend for groups, titles for iframes), will be fairly compliant.


On Mon, Nov 19, 2018 at 1:37 PM Beth Martin <***@gmail.com<mailto:***@gmail.com>> wrote:
Hello,

I'm looking for some additional guidance regarding secure fields needed for PCI (Payment Card Industry) compliance for ecommerce. Payment providers now offer a solution for a higher level of conformance where each payment field (credit card number, CVV, and expiration date) is a DOM-injected iframe, comprising of a `label`, `input`, error validation, styling, and focus management. These iframed fields are referred as "secure fields" or "hosted fields".

We are working with our payment provider to improve their markup, however, if they followed all form and iframe related guidelines, would there be any other concerns regarding accessibility?

Thanks!

Beth Martin
--
Brian Lovely
Digital Accessibility
804.389.1064
________________________________

The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
--
Casey Smith
Digital Accessibility Team

________________________________

The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
Beth Martin
2018-11-19 22:06:49 UTC
Permalink
For those interested in testing secured/hosted fields more in depth -
Stripe provides examples that allow you to simulate checkout
https://stripe.github.io/elements-examples/
Post by Sean Murphy (seanmmur)
There is a bigger concern, the PCI org is not considering accessibility in
their standards. Rather they are more concern in relation to accessibility.
Not sure how to educate or change this.
Technically, it might be accessible if people follow WCAG. But is it
usable? IFrames are usable if the related content is maintained in the
iframe. But if you have multiple iframes for the single form. Then I don’t
see this usable at all for specific user bases like screen reader users.
On a side point, PCI in their standards have a range of technology
barriers causing serious accessibility challenges for banking organisations
with their terminals used within shops. Such as touch screen FPoS or Retail
transaction devices. Security is the reasons provided by the banks when
this topic is raised. For example, entering in the pin on a touch screen
FPoS. As there is no physical keyboard and nor can you connect one via USB
or Bluetooth. Multiple disabilities are impacted and the banks have to
create innovative solutions which some work and some don’t. Some PWD users
are unable to manage the solution while other PWD’s with the same
disability can. A real night mare for the banks due to PCI. So there is a
bigger issue here for this organisation to address accessibility concerns.
Note: ADA in the USA proscribe physical keyboards on the ATM’s. But I am
not sure if this includes FPoS in shops as well. Other countries have
different requirements.
Sean
https://www.cisco.com/c/dam/m/en_us/signaturetool/images/banners/standard/02_standard_ciscoblue02.png]
*Sean Murphy*
SR ENGINEER.SOFTWARE ENGINEERING
Tel: *+61 2 8446 7751*
Cisco Systems, Inc.
The Forum 201 Pacific Highway
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Australia
cisco.com
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*Sent:* Tuesday, 20 November 2018 8:25 AM
*Subject:* Re: [External Sender] Guidance regarding secured/hosted fields
for PCI (Payment Card Industry) Compliance
While I can't attest to the browser support for these (as neither
caniuse.com or html5test.com mention these), there are indeed Credit Card
input types available <https://www.w3.org/TR/WCAG21/#input-purposes> that
would not only provide the number keypad functionality, but also provide
robust autofill capability. It's also worth mentioning that these input
Identify Input Purpose
<https://www.w3.org/WAI/WCAG21/Understanding/identify-input-purpose.html>!
One might argue that using the wrong type for an input would be a failure
of this SC.
Yes - the form looks visually looks "normal" and is styled appropriately
but the label/field/focus/error validation is all contained within an
iframe. As the user tabs in and out of each field using assistive
technology, they are entering and leaving the iframe. If you are looking
for a best-case example, Shopify implements this for their payment fields.
I believe we will see this more and more on eCommerce sites due to PCI
compliance requirements.
On a related note, we are also seeing credit card payment providers using
type="tel" on credit card inputs, sometimes with no label. The response I'm
getting back from the payment provider (Ayden, in our case) is "the tel tag
is necessary for older phones to switch to the proper number input. This is
standard practice in the industry".
Thanks,
Beth
..where each payment field (credit card number, CVV, and expiration
date) is a DOM-injected iframe, comprising of a `label`, `input`, error
validation, styling, and focus management. These iframed fields are
referred as "secure fields" or "hosted fields".
hmm, this does sound like a "something unusual and/or complicated".
@Martin, I think you're saying that although the form looks "normal" to
the sighted user, underneath the covers many of the fields are actually
iframed fields. so if all that complicated structure, such as a large form
with mutiple embedded iframes and form field is what the assistive
technology (e.g. screen reader) user hears, that will be very confusing at
best and totally inaccessible at worst..
Does the user know that there are embedded iframes in the form? is there a
way to hide that? I don't think you could simply ignore the iframes since
they include relevent form fields.
I have no immediate sugggestions on how to fix / make that accessible. Anyone else?
___________
Regards,
Phill Jenkins
Check out the new system for requesting an IBM product Accessibility
Conformance Report VPAT®at able.ibm.com/request
<https://urldefense.proofpoint.com/v2/url?u=https-3A__able.ibm.com_request_&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=V4YTt_LbpVFg4wgNagc8RbpYsVBJA5In9Mq_RveZywM&e=>
Senior Engineer & Accessibility Executive
IBM Research Accessibility
linkedin.com/in/philljenkins/
<https://urldefense.proofpoint.com/v2/url?u=https-3A__www.linkedin.com_in_philljenkins_&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=YWM4yJZlB4sJBC0ssr7xIeqfZNt5T3HPdan6Yd1NuRM&e=>
www.ibm.com/able
<https://urldefense.proofpoint.com/v2/url?u=http-3A__www.ibm.com_able&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=p-hyvreplFHPSj2qsrD8ShWEY0ULqBBqjCJ_dTF6Y9s&e=>
twitter.com/IBMAccess
<https://urldefense.proofpoint.com/v2/url?u=https-3A__twitter.com_IBMAccess&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=rA_cNjiImxHmDx1UeJvqtPDelR_9lnBa-aJEgUa1Ho0&e=>
ageandability.com
<https://urldefense.proofpoint.com/v2/url?u=http-3A__ageandability.com&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=X1os9xXAxNoUiuNv5QN_P96PC5Ma5WbnjB-XEXx6YV0&e=>
Date: 11/19/2018 01:21 PM
Subject: Re: [External Sender] Guidance regarding secured/hosted
fields for PCI (Payment Card Industry) Compliance
------------------------------
Usually, unless you do something unusual and/or complicated, sticking to
the HTML standards (programmatically associated form labels,
fieldset/legend for groups, titles for iframes), will be fairly compliant.
Hello,
I'm looking for some additional guidance regarding secure fields needed
for PCI (Payment Card Industry) compliance for ecommerce. Payment
providers now offer a solution for a higher level of conformance where each
payment field (credit card number, CVV, and expiration date) is a
DOM-injected iframe, comprising of a `label`, `input`, error validation,
styling, and focus management. These iframed fields are referred as
"secure fields" or "hosted fields".
We are working with our payment provider to improve their markup, however,
if they followed all form and iframe related guidelines, would there be any
other concerns regarding accessibility?
Thanks!
Beth Martin
--
*Brian Lovely*
Digital Accessibility
804.389.1064
------------------------------
The information contained in this e-mail is confidential and/or
proprietary to Capital One and/or its affiliates and may only be used
solely in performance of work or services for Capital One. The information
transmitted herewith is intended only for use by the individual or entity
to which it is addressed. If the reader of this message is not the intended
recipient, you are hereby notified that any review, retransmission,
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action in reliance upon this information is strictly prohibited. If you
have received this communication in error, please contact the sender and
delete the material from your computer.
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*Casey Smith*
Digital Accessibility Team
------------------------------
The information contained in this e-mail is confidential and/or
proprietary to Capital One and/or its affiliates and may only be used
solely in performance of work or services for Capital One. The information
transmitted herewith is intended only for use by the individual or entity
to which it is addressed. If the reader of this message is not the intended
recipient, you are hereby notified that any review, retransmission,
dissemination, distribution, copying or other use of, or taking of any
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have received this communication in error, please contact the sender and
delete the material from your computer.
Jonathan Avila
2018-11-20 14:37:45 UTC
Permalink
* It's also worth mentioning that these input types are required under the new WCAG 2.1 Success Criterion 1.3.5: Identify Input Purpose<https://www.w3.org/WAI/WCAG21/Understanding/identify-input-purpose.html>! One might argue that using the wrong type for an input would be a failure of this SC.

It has not yet been determined by the Accessibility Guidelines working group that use of the type attribute is sufficient to unambiguously communicate the purpose of an input field programmatically. At this point the autocomplete attribute is the method that has been documented as a sufficient technique.

Jonathan

Jonathan Avila, CPWA
Chief Accessibility Officer
Level Access
***@levelaccess.com
703.637.8957 office

Visit us online:
Website<http://www.levelaccess.com/> | Twitter<https://twitter.com/LevelAccessA11y> | Facebook<https://www.facebook.com/LevelAccessA11y/> | LinkedIn<https://www.linkedin.com/company/level-access> | Blog<http://www.levelaccess.com/blog/>

Looking to boost your accessibility knowledge? Check out our free webinars!<https://www.levelaccess.com/compliance-resources/webinars/>

The information contained in this transmission may be attorney privileged and/or confidential information intended for the use of the individual or entity named above. If the reader of this message is not the intended recipient, you are hereby notified that any use, dissemination, distribution or copying of this communication is strictly prohibited.

From: Casey Smith <***@capitalone.com>
Sent: Monday, November 19, 2018 4:25 PM
To: ***@gmail.com
Cc: ***@us.ibm.com; Brian Lovely <***@capitalone.com>; w3c-wai-***@w3.org
Subject: Re: [External Sender] Guidance regarding secured/hosted fields for PCI (Payment Card Industry) Compliance

While I can't attest to the browser support for these (as neither caniuse.com<http://caniuse.com/> or html5test.com<http://html5test.com/> mention these), there are indeed Credit Card input types available<https://www.w3.org/TR/WCAG21/#input-purposes> that would not only provide the number keypad functionality, but also provide robust autofill capability. It's also worth mentioning that these input types are required under the new WCAG 2.1 Success Criterion 1.3.5: Identify Input Purpose<https://www.w3.org/WAI/WCAG21/Understanding/identify-input-purpose.html>! One might argue that using the wrong type for an input would be a failure of this SC.

On Mon, Nov 19, 2018 at 3:16 PM Beth Martin <***@gmail.com<mailto:***@gmail.com>> wrote:
Yes - the form looks visually looks "normal" and is styled appropriately but the label/field/focus/error validation is all contained within an iframe. As the user tabs in and out of each field using assistive technology, they are entering and leaving the iframe. If you are looking for a best-case example, Shopify implements this for their payment fields. I believe we will see this more and more on eCommerce sites due to PCI compliance requirements.

On a related note, we are also seeing credit card payment providers using type="tel" on credit card inputs, sometimes with no label. The response I'm getting back from the payment provider (Ayden, in our case) is "the tel tag is necessary for older phones to switch to the proper number input. This is standard practice in the industry".

Thanks,
Beth
..where each payment field (credit card number, CVV, and expiration date) is a DOM-injected iframe, comprising of a `label`, `input`, error validation, styling, and focus management. These iframed fields are referred as "secure fields" or "hosted fields".
hmm, this does sound like a "something unusual and/or complicated".

@Martin, I think you're saying that although the form looks "normal" to the sighted user, underneath the covers many of the fields are actually iframed fields. so if all that complicated structure, such as a large form with mutiple embedded iframes and form field is what the assistive technology (e.g. screen reader) user hears, that will be very confusing at best and totally inaccessible at worst..

Does the user know that there are embedded iframes in the form? is there a way to hide that? I don't think you could simply ignore the iframes since they include relevent form fields.

I have no immediate sugggestions on how to fix / make that accessible. Anyone else?
___________
Regards,
Phill Jenkins
Check out the new system for requesting an IBM product Accessibility Conformance Report VPAT®at able.ibm.com/request<https://urldefense.proofpoint.com/v2/url?u=https-3A__able.ibm.com_request_&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=V4YTt_LbpVFg4wgNagc8RbpYsVBJA5In9Mq_RveZywM&e=>
***@us.ibm.com<mailto:***@us.ibm.com>
Senior Engineer & Accessibility Executive
IBM Research Accessibility

linkedin.com/in/philljenkins/<https://urldefense.proofpoint.com/v2/url?u=https-3A__www.linkedin.com_in_philljenkins_&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=YWM4yJZlB4sJBC0ssr7xIeqfZNt5T3HPdan6Yd1NuRM&e=>
www.ibm.com/able<https://urldefense.proofpoint.com/v2/url?u=http-3A__www.ibm.com_able&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=p-hyvreplFHPSj2qsrD8ShWEY0ULqBBqjCJ_dTF6Y9s&e=>
twitter.com/IBMAccess<https://urldefense.proofpoint.com/v2/url?u=https-3A__twitter.com_IBMAccess&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=rA_cNjiImxHmDx1UeJvqtPDelR_9lnBa-aJEgUa1Ho0&e=>
ageandability.com<https://urldefense.proofpoint.com/v2/url?u=http-3A__ageandability.com&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=X1os9xXAxNoUiuNv5QN_P96PC5Ma5WbnjB-XEXx6YV0&e=>




From: Brian Lovely <***@capitalone.com<mailto:***@capitalone.com>>
To: ***@gmail.com<mailto:***@gmail.com>
Cc: w3c-wai-***@w3.org<mailto:w3c-wai-***@w3.org>
Date: 11/19/2018 01:21 PM
Subject: Re: [External Sender] Guidance regarding secured/hosted fields for PCI (Payment Card Industry) Compliance
________________________________



Usually, unless you do something unusual and/or complicated, sticking to the HTML standards (programmatically associated form labels, fieldset/legend for groups, titles for iframes), will be fairly compliant.


On Mon, Nov 19, 2018 at 1:37 PM Beth Martin <***@gmail.com<mailto:***@gmail.com>> wrote:
Hello,

I'm looking for some additional guidance regarding secure fields needed for PCI (Payment Card Industry) compliance for ecommerce. Payment providers now offer a solution for a higher level of conformance where each payment field (credit card number, CVV, and expiration date) is a DOM-injected iframe, comprising of a `label`, `input`, error validation, styling, and focus management. These iframed fields are referred as "secure fields" or "hosted fields".

We are working with our payment provider to improve their markup, however, if they followed all form and iframe related guidelines, would there be any other concerns regarding accessibility?

Thanks!

Beth Martin
--
Brian Lovely
Digital Accessibility
804.389.1064
________________________________

The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
--
Casey Smith
Digital Accessibility Team

________________________________

The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
Casey Smith
2018-11-20 15:25:33 UTC
Permalink
Thanks for the clarification, Jonathan! Do you know why that's the case? Is
the type attribute and its options just not supported across enough
browsers/AT?
- It's also worth mentioning that these input types are required under
the new WCAG 2.1 Success Criterion 1.3.5: Identify Input Purpose
<https://urldefense.proofpoint.com/v2/url?u=https-3A__www.w3.org_WAI_WCAG21_Understanding_identify-2Dinput-2Dpurpose.html&d=DwMGaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=eM1-V8475yY-WFmfO2plEsMIz8K2XxtzrV0moWlxPz0&s=m1KmTWH_ZOEUkZBPcQOkoDKfyjNZCPZiIuw4l_RoDUE&e=>!
One might argue that using the wrong type for an input would be a failure
of this SC.
It has not yet been determined by the Accessibility Guidelines working
group that use of the type attribute is sufficient to unambiguously
communicate the purpose of an input field programmatically. At this point
the autocomplete attribute is the method that has been documented as a
sufficient technique.
Jonathan
Jonathan Avila, CPWA
Chief Accessibility Officer
*Level Access*
703.637.8957 office
Website
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*Sent:* Monday, November 19, 2018 4:25 PM
*Subject:* Re: [External Sender] Guidance regarding secured/hosted fields
for PCI (Payment Card Industry) Compliance
While I can't attest to the browser support for these (as neither
caniuse.com
<https://urldefense.proofpoint.com/v2/url?u=http-3A__caniuse.com_&d=DwMGaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=eM1-V8475yY-WFmfO2plEsMIz8K2XxtzrV0moWlxPz0&s=-Y7_RMX1Aijg_9hCwJcxDRNgkKmpqiW0IhIexstSAzc&e=>
or html5test.com
<https://urldefense.proofpoint.com/v2/url?u=http-3A__html5test.com_&d=DwMGaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=eM1-V8475yY-WFmfO2plEsMIz8K2XxtzrV0moWlxPz0&s=Mb9I4w7FZdBUNIU69c0_Xg7514jmfFzdPw5cC-PHWbQ&e=> mention
these), there are indeed Credit Card input types available
<https://urldefense.proofpoint.com/v2/url?u=https-3A__www.w3.org_TR_WCAG21_-23input-2Dpurposes&d=DwMGaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=eM1-V8475yY-WFmfO2plEsMIz8K2XxtzrV0moWlxPz0&s=FnV39s0MO7PIO_zG7DNPX9UlunW1S7C6hErA2PJWWx0&e=> that
would not only provide the number keypad functionality, but also provide
robust autofill capability. It's also worth mentioning that these input
Identify Input Purpose
<https://urldefense.proofpoint.com/v2/url?u=https-3A__www.w3.org_WAI_WCAG21_Understanding_identify-2Dinput-2Dpurpose.html&d=DwMGaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=eM1-V8475yY-WFmfO2plEsMIz8K2XxtzrV0moWlxPz0&s=m1KmTWH_ZOEUkZBPcQOkoDKfyjNZCPZiIuw4l_RoDUE&e=>!
One might argue that using the wrong type for an input would be a failure
of this SC.
Yes - the form looks visually looks "normal" and is styled appropriately
but the label/field/focus/error validation is all contained within an
iframe. As the user tabs in and out of each field using assistive
technology, they are entering and leaving the iframe. If you are looking
for a best-case example, Shopify implements this for their payment fields.
I believe we will see this more and more on eCommerce sites due to PCI
compliance requirements.
On a related note, we are also seeing credit card payment providers using
type="tel" on credit card inputs, sometimes with no label. The response I'm
getting back from the payment provider (Ayden, in our case) is "the tel tag
is necessary for older phones to switch to the proper number input. This is
standard practice in the industry".
Thanks,
Beth
..where each payment field (credit card number, CVV, and expiration
date) is a DOM-injected iframe, comprising of a `label`, `input`, error
validation, styling, and focus management. These iframed fields are
referred as "secure fields" or "hosted fields".
hmm, this does sound like a "something unusual and/or complicated".
@Martin, I think you're saying that although the form looks "normal" to
the sighted user, underneath the covers many of the fields are actually
iframed fields. so if all that complicated structure, such as a large form
with mutiple embedded iframes and form field is what the assistive
technology (e.g. screen reader) user hears, that will be very confusing at
best and totally inaccessible at worst..
Does the user know that there are embedded iframes in the form? is there a
way to hide that? I don't think you could simply ignore the iframes since
they include relevent form fields.
I have no immediate sugggestions on how to fix / make that accessible. Anyone else?
___________
Regards,
Phill Jenkins
Check out the new system for requesting an IBM product Accessibility
Conformance Report VPAT®at able.ibm.com/request
<https://urldefense.proofpoint.com/v2/url?u=https-3A__able.ibm.com_request_&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=V4YTt_LbpVFg4wgNagc8RbpYsVBJA5In9Mq_RveZywM&e=>
Senior Engineer & Accessibility Executive
IBM Research Accessibility
linkedin.com/in/philljenkins/
<https://urldefense.proofpoint.com/v2/url?u=https-3A__www.linkedin.com_in_philljenkins_&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=YWM4yJZlB4sJBC0ssr7xIeqfZNt5T3HPdan6Yd1NuRM&e=>
www.ibm.com/able
<https://urldefense.proofpoint.com/v2/url?u=http-3A__www.ibm.com_able&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=p-hyvreplFHPSj2qsrD8ShWEY0ULqBBqjCJ_dTF6Y9s&e=>
twitter.com/IBMAccess
<https://urldefense.proofpoint.com/v2/url?u=https-3A__twitter.com_IBMAccess&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=rA_cNjiImxHmDx1UeJvqtPDelR_9lnBa-aJEgUa1Ho0&e=>
ageandability.com
<https://urldefense.proofpoint.com/v2/url?u=http-3A__ageandability.com&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=X1os9xXAxNoUiuNv5QN_P96PC5Ma5WbnjB-XEXx6YV0&e=>
Date: 11/19/2018 01:21 PM
Subject: Re: [External Sender] Guidance regarding secured/hosted
fields for PCI (Payment Card Industry) Compliance
------------------------------
Usually, unless you do something unusual and/or complicated, sticking to
the HTML standards (programmatically associated form labels,
fieldset/legend for groups, titles for iframes), will be fairly compliant.
Hello,
I'm looking for some additional guidance regarding secure fields needed
for PCI (Payment Card Industry) compliance for ecommerce. Payment
providers now offer a solution for a higher level of conformance where each
payment field (credit card number, CVV, and expiration date) is a
DOM-injected iframe, comprising of a `label`, `input`, error validation,
styling, and focus management. These iframed fields are referred as
"secure fields" or "hosted fields".
We are working with our payment provider to improve their markup, however,
if they followed all form and iframe related guidelines, would there be any
other concerns regarding accessibility?
Thanks!
Beth Martin
--
*Brian Lovely*
Digital Accessibility
804.389.1064
------------------------------
The information contained in this e-mail is confidential and/or
proprietary to Capital One and/or its affiliates and may only be used
solely in performance of work or services for Capital One. The information
transmitted herewith is intended only for use by the individual or entity
to which it is addressed. If the reader of this message is not the intended
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action in reliance upon this information is strictly prohibited. If you
have received this communication in error, please contact the sender and
delete the material from your computer.
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*Casey Smith*
Digital Accessibility Team
------------------------------
The information contained in this e-mail is confidential and/or
proprietary to Capital One and/or its affiliates and may only be used
solely in performance of work or services for Capital One. The information
transmitted herewith is intended only for use by the individual or entity
to which it is addressed. If the reader of this message is not the intended
recipient, you are hereby notified that any review, retransmission,
dissemination, distribution, copying or other use of, or taking of any
action in reliance upon this information is strictly prohibited. If you
have received this communication in error, please contact the sender and
delete the material from your computer.
--
*Casey Smith*
Digital Accessibility Team
________________________________________________________

The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
Jonathan Avila
2018-11-20 20:49:00 UTC
Permalink
* Thanks for the clarification, Jonathan! Do you know why that's the case? Is the type attribute and its options just not supported across enough browsers/AT?

My understanding is that with the type attribute user agents and assistive technology wouldn’t be able to tell unambiguously that the type was the purpose of the field requesting information about the user versus other information not about the user. More information can be found on the WCAG github repository as there has been a discussion there but the latest decision has not been recorded https://github.com/w3c/wcag/issues/504

Jonathan

Jonathan Avila, CPWA
Chief Accessibility Officer
Level Access
***@levelaccess.com
703.637.8957 office

Visit us online:
Website<http://www.levelaccess.com/> | Twitter<https://twitter.com/LevelAccessA11y> | Facebook<https://www.facebook.com/LevelAccessA11y/> | LinkedIn<https://www.linkedin.com/company/level-access> | Blog<http://www.levelaccess.com/blog/>

Looking to boost your accessibility knowledge? Check out our free webinars!<https://www.levelaccess.com/compliance-resources/webinars/>

The information contained in this transmission may be attorney privileged and/or confidential information intended for the use of the individual or entity named above. If the reader of this message is not the intended recipient, you are hereby notified that any use, dissemination, distribution or copying of this communication is strictly prohibited.

From: Casey Smith <***@capitalone.com>
Sent: Tuesday, November 20, 2018 10:26 AM
To: Jonathan Avila <***@levelaccess.com>
Cc: Beth Martin <***@gmail.com>; Phill Jenkins <***@us.ibm.com>; Brian Lovely <***@capitalone.com>; w3c-wai-***@w3.org
Subject: Re: [External Sender] Guidance regarding secured/hosted fields for PCI (Payment Card Industry) Compliance

Thanks for the clarification, Jonathan! Do you know why that's the case? Is the type attribute and its options just not supported across enough browsers/AT?

On Tue, Nov 20, 2018 at 9:37 AM Jonathan Avila <***@levelaccess.com<mailto:***@levelaccess.com>> wrote:

* It's also worth mentioning that these input types are required under the new WCAG 2.1 Success Criterion 1.3.5: Identify Input Purpose<https://urldefense.proofpoint.com/v2/url?u=https-3A__www.w3.org_WAI_WCAG21_Understanding_identify-2Dinput-2Dpurpose.html&d=DwMGaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=eM1-V8475yY-WFmfO2plEsMIz8K2XxtzrV0moWlxPz0&s=m1KmTWH_ZOEUkZBPcQOkoDKfyjNZCPZiIuw4l_RoDUE&e=>! One might argue that using the wrong type for an input would be a failure of this SC.

It has not yet been determined by the Accessibility Guidelines working group that use of the type attribute is sufficient to unambiguously communicate the purpose of an input field programmatically. At this point the autocomplete attribute is the method that has been documented as a sufficient technique.

Jonathan

Jonathan Avila, CPWA
Chief Accessibility Officer
Level Access
***@levelaccess.com<mailto:***@levelaccess.com>
703.637.8957 office

Visit us online:
Website<https://urldefense.proofpoint.com/v2/url?u=http-3A__www.levelaccess.com_&d=DwMGaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=eM1-V8475yY-WFmfO2plEsMIz8K2XxtzrV0moWlxPz0&s=nO_4ExdofnOR6xwPEUBEc95cAC55a8Kbjv8VxAl8k7w&e=> | Twitter<https://urldefense.proofpoint.com/v2/url?u=https-3A__twitter.com_LevelAccessA11y&d=DwMGaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=eM1-V8475yY-WFmfO2plEsMIz8K2XxtzrV0moWlxPz0&s=Bn3Y6uaMOkDoNFEbP-cQEtYFt7603IOB1nCSkwiymU8&e=> | Facebook<https://urldefense.proofpoint.com/v2/url?u=https-3A__www.facebook.com_LevelAccessA11y_&d=DwMGaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=eM1-V8475yY-WFmfO2plEsMIz8K2XxtzrV0moWlxPz0&s=QI70RKFMqx7new9FWz0wQ4-AkwC2lYoki_dBxVMEyoY&e=> | LinkedIn<https://urldefense.proofpoint.com/v2/url?u=https-3A__www.linkedin.com_company_level-2Daccess&d=DwMGaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=eM1-V8475yY-WFmfO2plEsMIz8K2XxtzrV0moWlxPz0&s=ar-LJdV4QWdmdjBBA_FmPI5ubS_1X3JWbHKg-y8L-lE&e=> | Blog<https://urldefense.proofpoint.com/v2/url?u=http-3A__www.levelaccess.com_blog_&d=DwMGaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=eM1-V8475yY-WFmfO2plEsMIz8K2XxtzrV0moWlxPz0&s=M-hyDvMMoNJDLexbkPaVguRbXcASvd3EsHJ4Q13xNJQ&e=>

Looking to boost your accessibility knowledge? Check out our free webinars!<https://urldefense.proofpoint.com/v2/url?u=https-3A__www.levelaccess.com_compliance-2Dresources_webinars_&d=DwMGaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=eM1-V8475yY-WFmfO2plEsMIz8K2XxtzrV0moWlxPz0&s=NLmHlJAebsPr1LxUFBlzJ9Vg3b_fX9aDuQutkyFVq5g&e=>

The information contained in this transmission may be attorney privileged and/or confidential information intended for the use of the individual or entity named above. If the reader of this message is not the intended recipient, you are hereby notified that any use, dissemination, distribution or copying of this communication is strictly prohibited.

From: Casey Smith <***@capitalone.com<mailto:***@capitalone.com>>
Sent: Monday, November 19, 2018 4:25 PM
To: ***@gmail.com<mailto:***@gmail.com>
Cc: ***@us.ibm.com<mailto:***@us.ibm.com>; Brian Lovely <***@capitalone.com<mailto:***@capitalone.com>>; w3c-wai-***@w3.org<mailto:w3c-wai-***@w3.org>
Subject: Re: [External Sender] Guidance regarding secured/hosted fields for PCI (Payment Card Industry) Compliance

While I can't attest to the browser support for these (as neither caniuse.com<https://urldefense.proofpoint.com/v2/url?u=http-3A__caniuse.com_&d=DwMGaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=eM1-V8475yY-WFmfO2plEsMIz8K2XxtzrV0moWlxPz0&s=-Y7_RMX1Aijg_9hCwJcxDRNgkKmpqiW0IhIexstSAzc&e=> or html5test.com<https://urldefense.proofpoint.com/v2/url?u=http-3A__html5test.com_&d=DwMGaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=eM1-V8475yY-WFmfO2plEsMIz8K2XxtzrV0moWlxPz0&s=Mb9I4w7FZdBUNIU69c0_Xg7514jmfFzdPw5cC-PHWbQ&e=> mention these), there are indeed Credit Card input types available<https://urldefense.proofpoint.com/v2/url?u=https-3A__www.w3.org_TR_WCAG21_-23input-2Dpurposes&d=DwMGaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=eM1-V8475yY-WFmfO2plEsMIz8K2XxtzrV0moWlxPz0&s=FnV39s0MO7PIO_zG7DNPX9UlunW1S7C6hErA2PJWWx0&e=> that would not only provide the number keypad functionality, but also provide robust autofill capability. It's also worth mentioning that these input types are required under the new WCAG 2.1 Success Criterion 1.3.5: Identify Input Purpose<https://urldefense.proofpoint.com/v2/url?u=https-3A__www.w3.org_WAI_WCAG21_Understanding_identify-2Dinput-2Dpurpose.html&d=DwMGaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=eM1-V8475yY-WFmfO2plEsMIz8K2XxtzrV0moWlxPz0&s=m1KmTWH_ZOEUkZBPcQOkoDKfyjNZCPZiIuw4l_RoDUE&e=>! One might argue that using the wrong type for an input would be a failure of this SC.

On Mon, Nov 19, 2018 at 3:16 PM Beth Martin <***@gmail.com<mailto:***@gmail.com>> wrote:
Yes - the form looks visually looks "normal" and is styled appropriately but the label/field/focus/error validation is all contained within an iframe. As the user tabs in and out of each field using assistive technology, they are entering and leaving the iframe. If you are looking for a best-case example, Shopify implements this for their payment fields. I believe we will see this more and more on eCommerce sites due to PCI compliance requirements.

On a related note, we are also seeing credit card payment providers using type="tel" on credit card inputs, sometimes with no label. The response I'm getting back from the payment provider (Ayden, in our case) is "the tel tag is necessary for older phones to switch to the proper number input. This is standard practice in the industry".

Thanks,
Beth
..where each payment field (credit card number, CVV, and expiration date) is a DOM-injected iframe, comprising of a `label`, `input`, error validation, styling, and focus management. These iframed fields are referred as "secure fields" or "hosted fields".
hmm, this does sound like a "something unusual and/or complicated".

@Martin, I think you're saying that although the form looks "normal" to the sighted user, underneath the covers many of the fields are actually iframed fields. so if all that complicated structure, such as a large form with mutiple embedded iframes and form field is what the assistive technology (e.g. screen reader) user hears, that will be very confusing at best and totally inaccessible at worst..

Does the user know that there are embedded iframes in the form? is there a way to hide that? I don't think you could simply ignore the iframes since they include relevent form fields.

I have no immediate sugggestions on how to fix / make that accessible. Anyone else?
___________
Regards,
Phill Jenkins
Check out the new system for requesting an IBM product Accessibility Conformance Report VPAT®at able.ibm.com/request<https://urldefense.proofpoint.com/v2/url?u=https-3A__able.ibm.com_request_&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=V4YTt_LbpVFg4wgNagc8RbpYsVBJA5In9Mq_RveZywM&e=>
***@us.ibm.com<mailto:***@us.ibm.com>
Senior Engineer & Accessibility Executive
IBM Research Accessibility

linkedin.com/in/philljenkins/<https://urldefense.proofpoint.com/v2/url?u=https-3A__www.linkedin.com_in_philljenkins_&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=YWM4yJZlB4sJBC0ssr7xIeqfZNt5T3HPdan6Yd1NuRM&e=>
www.ibm.com/able<https://urldefense.proofpoint.com/v2/url?u=http-3A__www.ibm.com_able&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=p-hyvreplFHPSj2qsrD8ShWEY0ULqBBqjCJ_dTF6Y9s&e=>
twitter.com/IBMAccess<https://urldefense.proofpoint.com/v2/url?u=https-3A__twitter.com_IBMAccess&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=rA_cNjiImxHmDx1UeJvqtPDelR_9lnBa-aJEgUa1Ho0&e=>
ageandability.com<https://urldefense.proofpoint.com/v2/url?u=http-3A__ageandability.com&d=DwMFaQ&c=pLULRYW__RtkwsQUPxJVDGboCTdgji3AcHNJU0BpTJE&r=a2IkSvJwyjZXKucTfiFA6y2OFiimV_7eb-gf0jOlneM&m=-NvXDufhf6_m6bCcqf15fkrzd-eqzEr4P41Tqw7lo3E&s=X1os9xXAxNoUiuNv5QN_P96PC5Ma5WbnjB-XEXx6YV0&e=>




From: Brian Lovely <***@capitalone.com<mailto:***@capitalone.com>>
To: ***@gmail.com<mailto:***@gmail.com>
Cc: w3c-wai-***@w3.org<mailto:w3c-wai-***@w3.org>
Date: 11/19/2018 01:21 PM
Subject: Re: [External Sender] Guidance regarding secured/hosted fields for PCI (Payment Card Industry) Compliance
________________________________



Usually, unless you do something unusual and/or complicated, sticking to the HTML standards (programmatically associated form labels, fieldset/legend for groups, titles for iframes), will be fairly compliant.


On Mon, Nov 19, 2018 at 1:37 PM Beth Martin <***@gmail.com<mailto:***@gmail.com>> wrote:
Hello,

I'm looking for some additional guidance regarding secure fields needed for PCI (Payment Card Industry) compliance for ecommerce. Payment providers now offer a solution for a higher level of conformance where each payment field (credit card number, CVV, and expiration date) is a DOM-injected iframe, comprising of a `label`, `input`, error validation, styling, and focus management. These iframed fields are referred as "secure fields" or "hosted fields".

We are working with our payment provider to improve their markup, however, if they followed all form and iframe related guidelines, would there be any other concerns regarding accessibility?

Thanks!

Beth Martin
--
Brian Lovely
Digital Accessibility
804.389.1064
________________________________

The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
--
Casey Smith
Digital Accessibility Team

________________________________

The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
--
Casey Smith
Digital Accessibility Team

________________________________

The information contained in this e-mail is confidential and/or proprietary to Capital One and/or its affiliates and may only be used solely in performance of work or services for Capital One. The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
David Woolley
2018-11-20 11:36:14 UTC
Permalink
Using iframes typically reduces security, because you do not see the
chrome that confirms the web site that originated the frame. I will
always request a separate window for Paypal entry boxes, to ensure that
I can see they are coming from Paypal.

What do the hosted fields you are talking about here do to ensure that
the user knows that they can be trusted. Are they only ever used on
sites that already trusted, and submit to that site?
Post by Beth Martin
Hello,
I'm looking for some additional guidance regarding secure fields needed
for PCI (Payment Card Industry) compliance for ecommerce.  Payment
providers now offer a solution for a higher level of conformance where
each payment field (credit card number, CVV, and expiration date) is a
DOM-injected iframe, comprising of a `label`, `input`, error validation,
styling, and focus management.  These iframed fields are referred as
"secure fields" or "hosted fields".
We are working with our payment provider to improve their markup,
however, if they followed all form and iframe related guidelines, would
there be any other concerns regarding accessibility?
Thanks!
Beth Martin
Beth Martin
2018-11-20 14:02:21 UTC
Permalink
I am unclear on the security benefits behind hosted fields. Our front-end
team was asked to review a new payment gateway from Ayden. While auditing,
we uncovered the use of iframes for each payment field, along with clear
accessibility issues. Upon further research, we realized that other
payment providers such as Shopify, Stripe, Braintree, and BlueSnap were
also using hosted fields to mitigate PCI compliance scope. Our team is
looking for guidance on this new standard for implementation within
eCommerce and its impact on accessibility.
Post by David Woolley
Using iframes typically reduces security, because you do not see the
chrome that confirms the web site that originated the frame. I will
always request a separate window for Paypal entry boxes, to ensure that
I can see they are coming from Paypal.
What do the hosted fields you are talking about here do to ensure that
the user knows that they can be trusted. Are they only ever used on
sites that already trusted, and submit to that site?
Post by Beth Martin
Hello,
I'm looking for some additional guidance regarding secure fields needed
for PCI (Payment Card Industry) compliance for ecommerce. Payment
providers now offer a solution for a higher level of conformance where
each payment field (credit card number, CVV, and expiration date) is a
DOM-injected iframe, comprising of a `label`, `input`, error validation,
styling, and focus management. These iframed fields are referred as
"secure fields" or "hosted fields".
We are working with our payment provider to improve their markup,
however, if they followed all form and iframe related guidelines, would
there be any other concerns regarding accessibility?
Thanks!
Beth Martin
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