Ingenico P2PE

Unless you’re an industry expert, understanding the many industry technologies such as Point-to-Point Encryption (P2PE), EMV and Tokenization – and their confusing acronyms – can be extremely difficult. For most merchants, payments security focuses on three major goals:

  1. Prevent a data breach by limiting or removing sensitive credit card data from their environment, and
  2. Prevent acquirer charge backs as a result of credit card fraud
  3. Simplify PCI Data Security Standards (DSS) compliance

Ingenico ipp350What is Point-to-Point Encryption (P2PE)?

Point-to-Point Encryption, also known as P2PE, is a payments industry standard which encrypts sensitive cardholder data upon swipe, dip or other payment method, such as NFC mobile wallets like Apple Pay or manual/hand-keyed transactions. The payment method does not matter, and all data, regardless of whether accepted through the magnetic stripe, EMV reader or NFC module, is encrypted within the payment terminal. In the case of PCI Validated P2PE solutions, the devices are what’s known as SRED certified, which stands for Secure Read and Exchange of data.pci-blog-p2pe-vs-emv The SRED module within the device is a requirement for PCI Validated P2PE solution, and is a segmented processor within the device used specifically for encryption processes. In the United States, Ingenico (side image) or Verifone are the leading payment terminal providers in the U.S., and are both the leaders in SRED-approved devices. In most cases, Ingenico or Verifone devices are implemented with PCI Validated P2PE solutions.

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