Both credit cards and bank accounts private data must be stored encrypted. To use credit cards, it is not necessary to store cards data in Parallels Business Automation - Standard, but if you are planning to process delayed payments, credit cards data must be saved. As for bank accounts data, it is always must be saved in Parallels Business Automation - Standard to make it possible to generate batch files containing the transactions data to be submitted to a bank.
The payment methods private data saved in Parallels Business Automation - Standard is encrypted with public key and after this, to perform transaction, you need a secret key to decrypt it. Parallels Business Automation - Standard allows generating two key pairs - to use the second one if the first key pair is lost. If you already have a key pair saved somewhere, you can upload it.
To upload or generate a new key pair, go to Commerce Director - Payment Processing - Secure Storage. Select the Keys Management tab.
To enter a secure key temporarily, select the Secure Key tab. In this case, you can define the period of time the key will be still stored in the Parallels Business Automation - Standard so that you could process several transactions instead of one.