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Millions of merchants accept credit card payments through Apple Pay. Even small businesses weary of data security standards are jumping on board. If you don’t presently accept these mobile payments, it’s time you learn about how simple and safe they really are.

For years, we’ve been told that strong passwords include three things: upper and lower-case letters, numbers, and symbols. And why wouldn’t we when the National Institute of Standards and Technology (NIST) told us they were the minimum for robust passwords? Here’s why and how it involves you.