Steven Bowles

Recent Posts

Understanding Common Debit AID and Why It Matters

You may not know this, but the U.S. possibly has the most complex point of sale (POS) debit payment system on the planet. You can trace this back to its origins as an ATM card acceptance process, supported by multiple ATM networks. These grew into what we know as today’s POS networks. With support from major card brands, the concept of “signature debit” transactions is processed through credit networks.

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Why Validated P2PE Services Will Be a Major Asset for Grocers in 2021

2020 was a tumultuous year for grocers. While they were one of the few essential businesses that were open during the initial COVID-19 lockdowns in the US, it took a while before their in-store foot traffic bounced back. The Health and safety of the shoppers and store staff is of prime importance, but grocers shouldn’t overlook the health and safety of their data. While the foot traffic to a store may seem significantly low – the need for security solutions is still urgent.

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Why Validated P2PE Services are a Major Asset for Merchants

In the first six months of 2019 4.1 billion records were compromised in publicly disclosed breaches and with 2020 just beginning, merchants are more aware than ever about customer data security. In the midst of this, Point-to-Point Encryption (P2PE) has emerged as a security solution that assures payment data is as safe as possible. P2PE works to keep payment data secure in transit as well as prevent tampering at the point of sale (POS) devices themselves, as it encrypts card data at the point of interaction - when a card is inserted or swiped. From that point, the data is encrypted until it reaches the gateway so no cybercriminal or third party can access the unencrypted data.

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­­­Why Should Merchants Invest in P2PE?

Cardholder data is a tempting target for hackers, and with at least 19 major consumer companies reporting data breaches since January 2019, many merchants are looking to bolster their payment security strategies. One of the ways they can achieve this is by implementing point-to-point encryption (P2PE).

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You Should Be Using a Semi-integrated Payment Architecture. Here’s Why

In an increasingly complex payment environment, many merchants are seeking a more flexible approach to help streamline their payment process, enhance payment security and manage PCI scope. This is where a semi-integrated payment environment comes into the picture.

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