Clearly Payments

MAY 22, 2025

Encryption Scrambling card data so it cant be read by anyone else. 3D Secure An added layer of authentication (e.g., EMV Chip technology on credit cards. Chip & PIN EMV transaction that requires a PIN instead of a signature. Security & Compliance PCI Compliance Security standards for handling cardholder data.

Online and Mobile Banking 52

Online and Mobile Banking Debit Card Processors ACH 52

EBizCharge

JUNE 12, 2025

It features a proprietary payment gateway equipped with advanced security features, including tokenization and encryption technology, to safeguard sensitive data and prevent fraud. Businesses in high-risk categories may need to meet additional requirements or implement specific safeguards.

Process 52

Process Accounts Payment Gateways Gateways 52

Stax

DECEMBER 9, 2024

For in-store payments, check that your credit card machine has an EMV reader. Ensure that you’re working with a processor that provides secure payment systems (SPS) that can encrypt and tokenize cardholder information to prevent fraudulent transactions. However, chargeback processes and regulations differ across regions.

Credit Cards 88

Credit Cards Process Disputes Card Issuer 88

Stax

AUGUST 20, 2024

One solution to counter this problem is 3D Secure Authentication. This article will discuss what 3D Secure Authentication is and how the 3DS authentication process works. We will also examine the benefits of using 3D Secure Authentication for merchants and provide some tips on implementing it at online checkout.

Authentication 88

Authentication Security Card Issuer Payment APIs and Integration 88

PYMNTS

APRIL 15, 2016

The EMV liability shift just hit the six-month mark , the force of mobile continues to strengthen, and industry players are shape-shifting their business models all while authenticating consumers just keeps getting more complex – and that’s the tip of the iceberg. Merchants have a lot going on these days.

EMV 71

EMV Chip Cards CHIPS Encryption 71

PYMNTS

SEPTEMBER 30, 2016

EMV: The three little letters that represent the single most hotly debated and discussed topic in the U.S. The walk to the liability shift in this market last October was technically four years long, but in reality, EMV didn’t become an absolute certainty until Dec. But it’s not just EMV. EMV is not only for the big guys.

EMV 82

EMV CHIPS Chip Cards Push-to-Card 82

PYMNTS

NOVEMBER 10, 2020

Atlanta payments encryption firm Bluefin is partnering with New York mobile payments processor PAAY to advance eCommerce security. PAAY provides strong authentication at the front door and Bluefin encrypts and tokenizes the data at the point of interaction on the web. Getting the European Union on the path to 3D Secure 2.0

Transactions 93

Transactions Security Encryption CCPA 93

Stax

MARCH 4, 2024

It’s also critical to ensure card information is protected from data breaches with secure encryption and cybersecurity standards in place. NFC payments, including digital wallets, are very secure, relying on encryption to mask the card number, further protecting cardholder information. What is SSL/TLS?

PCI DSS 88

PCI DSS Payment Security Security MFA 88

PYMNTS

SEPTEMBER 26, 2016

Then, two and a half-years into the role, Galant had steadied the Verifone ship and capitalized on the transition to EMV in the U.S. They operate at scale – authenticating consumers, authorizing transactions, plus clearing and settling those transactions in a nanosecond, billions of a time a day. But it’s not just EMV.

EMV 109

EMV Economy Ubiquitous Encryption 109

Stax

MARCH 15, 2024

The primary security standards that payment systems typically adhere to include: Payment Card Industry Data Security Standard (PCI DSS): PCI DSS sets forth requirements for securing payment card data, including encryption, access control, network monitoring, and regular security testing. These include: Passwords.

Process 88

Process Security PCI DSS Encryption 88

PYMNTS

APRIL 5, 2017

Bluefin Payment Systems, the provider of PCI-validated point-to-point encryption (P2PE) payment solutions for retail, health care and higher education, announced Tuesday (March 4) the EMV certification of its PayConex Plus Payment Platform by First Data, the global payment technology company.

EMV 40

EMV Point-of-Sale (POS) Identity Theft Data Breach 40

PYMNTS

MARCH 8, 2017

Through the partnership , Bluefin’s PCI-validated point-to-point encryption (P2PE) solution will be used to help expand the data security for companies utilizing FAC’s payment gateway. On Tuesday (Mar. This partnership marks the growth of PCI-validated P2PE solutions globally, solidifying this technology’s importance in the payments industry.

Encryption 40

Encryption Data Breach Payment APIs and Integration Point-of-Sale (POS) 40

Clearly Payments

OCTOBER 3, 2024

However, h ere are some of the most popular credit card machine models in the USA: Ingenico Move 5000 Features : Durable design, fast processing, supports multiple payment types including EMV chip and contactless payments over wireless payments with Wi-Fi, Bluetooth, and 4G/LTE connections.

Credit Cards 105

Credit Cards Contactless Payments Payments Point-of-Sale (POS) 105

Clearly Payments

MARCH 22, 2024

At the heart of mobile payment systems are Near Field Communication (NFC), Quick Response (QR) codes, and secure elements such as encryption and tokenization. Encryption ensures that data transmitted during a transaction is scrambled and unreadable to unauthorized parties. Security is a critical component of mobile payment technology.

Contactless Payments 105

Contactless Payments Online and Mobile Banking Mobile Payments Payments 105

PYMNTS

SEPTEMBER 26, 2016

Authentication methods for payments networks, such as SWIFT, or P2P money transfer apps are still not completely secure. Even banks sending and receiving encrypted data must prove their identity to access the data, and some of these methods are weak.

Online and Mobile Banking 78

Online and Mobile Banking SWIFT Credential Central Bank 78

PYMNTS

JANUARY 10, 2017

Bluefin Payment Systems, the provider of PCI-validated point-to-point encryption (P2PE) solutions for retail, health care and higher education, announced Tuesday (Jan. The patents also cover the systems and methods for parsing data from payment terminals, device authentication and validation, and in a hardware security module.

PCI DSS 49

PCI DSS EMV Encryption Gateways 49

Stax

NOVEMBER 13, 2023

EMV chip card technology had a good two decades or so, beginning in the mid-’90s. Almost ten years later, the US tried the technology, and it was four years after that when all EMV cards became NFC-equipped. Safety and Security Within the NFC transaction process are encryption protocols to secure the data being transmitted.

Contactless Payments 88

Contactless Payments Push-to-Card Online and Mobile Banking Encryption 88

Payment Savvy

DECEMBER 2, 2022

EMV-chipped credit/debit cards: Nowadays, the majority of credit cards have EMV chips supporting NFC technology. Two-factor authentication as an additional layer of security. First, in order to protect users against fraudsters, NFC payments use end-to-end encryption. This is the most typical form of contactless payment.

Mobile Payments 98

Mobile Payments Contactless Payments Online and Mobile Banking CHIPS 98

FICO

MARCH 8, 2017

Encryption can be effective …. … but it’s not a stake through the heart of hacking. Data encryption is a highly effective defense against hackers, particularly in achieving HIPAA compliance to protect Protected Health Information (PHI). Like encryption, however, biometrics are not a silver bullet to stop hackers.

Encryption 40

Encryption EMV Authentication Data Encryption 40

FICO

MARCH 8, 2017

Encryption can be effective …. … but it’s not a stake through the heart of hacking. Data encryption is a highly effective defense against hackers, particularly in achieving HIPAA compliance to protect Protected Health Information (PHI). Like encryption, however, biometrics are not a silver bullet to stop hackers.

Encryption 40

Encryption EMV Authentication Data Encryption 40

BNG Payments

JANUARY 7, 2022

To do so, you need to ensure that all of your web pages are encrypted and that you have a secure checkout process. Implement strong customer authentication methods Require that customers provide more than just their credit card information when making a purchase. Use EMV Terminals EMV stands for Europay, Mastercard, and Visa.

Credit Cards 52

Credit Cards Mitigation Risk PCI DSS 52

Stax

NOVEMBER 6, 2023

So, if you’re operating with older hardware that only accepts EMV chip cards and swiped credit and debit cards, it’s time to talk to your payment processor and enter the modern era. They often employ advanced encryption and tokenization technologies, ensuring that payment information is protected.

Mobile Payments 88

Mobile Payments Online and Mobile Banking Debit Card Payments 88

PYMNTS

OCTOBER 16, 2017

PCI tokens, encrypted card credentials held in vaults by processors, have been part of payments for years. That credit card information goes to a database, where the data is encrypted and stored as PCI tokens. Tokens are nothing new. But version 2.0

Issuers 40

Issuers Credential Online and Mobile Banking Authentication 40

Payment Savvy

JULY 3, 2024

Security Measures in Debit Card Payment Processing Here’s a breakdown of security measures employed in debit card payment processing: Encryption Encryption involves converting sensitive information (debit card numbers and personal details) into a coded format that is unreadable without a unique decryption key.

Debit Card 52

Debit Card Process PCI DSS Online and Mobile Banking 52

PYMNTS

JANUARY 20, 2017

With hundreds of encrypting malware types available to cybercriminals today, the individuals perpetrating these malicious attacks are able to leverage various networks and applications to demonstrate their power and capabilities. ACI said fraud is moving more online partly because of the adoption of EMV chip cards in the U.S.

Phishing 45

Phishing Ransomware EMV CHIPS 45

Exact Payments

JANUARY 4, 2024

Cardholder data, such as the primary account number, cardholder name, and expiration date, is different from sensitive authentication data like CVV, track data, PIN/PIN Block, and EMV chip data. Encryption and tokenization, the process of replacing sensitive data with a non-sensitive token, should be employed to ensure data security.

PCI DSS 52

PCI DSS Compliance Audit Encryption 52

Electronic Transactions Association

JANUARY 21, 2025

These fees fund essential services including encryption technologies, secure data transmission protocols, and authentication methods such as EMV chip technology and tokenization, significantly reducing data breach risks and card counterfeiting.

Fraud Prevention 40

Fraud Prevention Financial Inclusion Privacy Small Business 40

PYMNTS

MAY 13, 2016

When a user’s payment card is inserted into the reader, the device utilizes the encryption technology built into the chip-enabled card to generate unique private key signatures and unlock online accounts and personal data while the card is in use. The assistant can also provide extended authentication and serve as a password manager.

CHIPS 40

CHIPS Chip Cards Online and Mobile Banking Identity Theft 40

PayHawk

APRIL 18, 2023

Address Verification System (AVS) A system that compares the billing address provided by the cardholder with the address on file with the card issuer to verify the authenticity of a transaction. Encryption The process of encoding sensitive data to prevent unauthorized access.

Process 52

Process Card Issuer Online and Mobile Banking Issuers 52

EBizCharge

MAY 15, 2024

Payment gateways encrypt sensitive payment data, such as credit card details, ensuring secure transmission. The encrypted data is forwarded to the acquiring bank for processing, and upon approval, the payment gateway confirms the transaction to the customer and merchant. Each option has its advantages and drawbacks to consider.

B2B 52

B2B Wire Transfer Payments Payment Gateways 52

Fintech Labs Insights

JUNE 12, 2015

To keep things secure, Stratos employs bank-level encryption and the app never displays card numbers. To view their card information within the Stratos app, users authenticate via a passcode or Touch ID. Also in the works is NFC payment capability and fingerprint authentication directly on the card. What’s next.

Push-to-Card 29

Push-to-Card Card Issuer Issuers Credit Cards 29

Stax

APRIL 18, 2024

Ensure that your chosen payment processing solution complies with industry standards and regulations, such as the Payment Card Industry Data Security Standard (PCI DSS) and takes EMV chip cards.

Credit Cards 88

Credit Cards Process Online and Mobile Banking Mobile Payments 88

PYMNTS

AUGUST 5, 2016

Aside from a few complaints from those with glasses who needed a little extra help getting it to work exactly as advertised, consumers seem to feel as though it is a much more reliable and safer way to authenticate themselves via the mobile phone. What would is encrypting data at the POS.

Bitcoin 43

Bitcoin Multi-Currency Push-to-Card Chip Cards 43

PYMNTS

JANUARY 2, 2017

Throughout the issues of the 2016 PYMNTS.com Digital Identity Tracker , we reported on what could be the end of a familiar security protocol — the username and password — and the dawning of new biometric authentication. We caught up with FIDO Alliance President Brett McDowell to find out more about these new authentication methods.

ACH 49

ACH Online and Mobile Banking Cross-Border Same Day ACH 49

Fintech Labs Insights

OCTOBER 3, 2016

Announced EMV-instant issuance milestone of more than 10 million cards in the U.S. Partnered with Trend Micro to bring better data encryption and authentication technology to businesses. Reviewed by Developer in a look at two-factor authentication. Partnered with Verifone to facilitate EMV payments at restaurants.

Payment APIs and Integration 18

Payment APIs and Integration Online and Mobile Banking Due Diligence Multi-Currency 18

EBizCharge

MAY 12, 2025

This comprehensive guide will walk you through everything you need to know about secure payment processing systems, from how they work and why encryption and tokenization matter to practical steps for avoiding chargebacks and choosing the best gateway. Gramm-Leach-Bliley Act (GLBA): GLBA requires U.S.

Process 52

Process Security Payment Gateways Encryption 52