The Payments Association

MARCH 19, 2025

This brought near-field communication (NFC) technology to in-store payments, changing the point of sale (POS) sector. Digital wallet providers must: Implement robust encryption and tokenisation to protect card details and transaction data.

Digital Payments 88

Digital Payments Finance Online and Mobile Banking Payments 88

Clearly Payments

OCTOBER 22, 2024

Card Presentation : The customer inserts or taps their card at the point-of-sale (POS) terminal , which may require PIN entry depending on the card type and transaction. PIN Encryption : Once the customer enters the PIN, it is encrypted immediately to protect the information.

Debit Card 105

Debit Card Credit Cards Point-of-Sale (POS) Encryption 105

Stax

MARCH 4, 2025

TL;DR Online payments rely on API or hosted gateways with encryption and fraud detection, while in-store transactions require POS hardware with EMV chip technology and NFC capabilities. Implement SSL (Secure Sockets Layer) encryption to ensure secure data transmission between your website and payment gateway.

Credit Cards 88

Credit Cards Payment APIs and Integration Payment Gateways Gateways 88

Stax

MARCH 5, 2025

Think of the gateway as the online equivalent of a card reader or point of sale (POS) system in a brick-and-mortar store. They also often provide the actual equipment you need to accept credit card payments, like the point of sales (POS) terminal.

Credit Card Payment Processing 88

Credit Card Payment Processing Credit Cards Process Payment Gateways 88

Stax

JANUARY 21, 2025

Any merchant who transacts in the offline world (like brick-and-mortar stores or even mobile businesses) needs a modern point-of-sale (POS) system. The right solution will enable you to ring up sales with ease, as well as manage the various components of your business.

Point-of-Sale (POS) 88

Point-of-Sale (POS) Small Business Credit Cards Process 88

EBizCharge

JANUARY 21, 2025

Virtual terminals are revolutionizing how companies manage transactions, eliminating the need for physical systems or point-of-sale (POS) systems. Secure payment processing: Data encryption ensures that credit card details and payment data are secure, reducing fraud risk.

Credit Cards 52

Credit Cards Encryption ACH Process 52

Stax

MAY 13, 2025

These services enable you to process credit card payments online, in person, and on the go, and include everything from secure payment gateways to merchant accounts and point of sale (POS) systems. POS system – A combination of hardware and software that lets you accept in person payments and process sales on-site.

Credit Cards 88

Credit Cards Payment APIs and Integration Processors Process 88

Clearly Payments

MARCH 31, 2025

Enterprises: Utilize integrated point-of-sale (POS) systems that connect with inventory, customer data, and analytics tools. Require higher security standards, including EMV , PCI compliance , and encryption measures. May lack integration with complex inventory management or customer relationship systems.

Small Business 59

Small Business Electronic Funds Transfer (EFT) Credit Cards Payments 59

Clearly Payments

MARCH 13, 2025

Among the many point-of-sale (POS) system s available today, Clover and Talech stand out as two of the most robust and user-friendly options. Security & Compliance With PCI-compliant security features, encryption, and fraud protection, Clover ensures safe transactions for both retailers and customers.

Retail Payments 52

Retail Payments Payments Point-of-Sale (POS) CRM 52

PYMNTS

AUGUST 7, 2017

The company said the API is available for all independent software vendors (ISVs) and merchants to process point-of-sale (POS) transactions. The triPOS Cloud is designed to proactively help protect customer data via Vantiv’s encryption and tokenization technologies.

Payment APIs and Integration 72

Payment APIs and Integration ISVS API Point-of-Sale (POS) 72

Stax

MARCH 13, 2025

In 2023, 27% of all point-of-sale (POS) payments were made using credit cards while 23% were made with debit cards. Card networks must maintain them properly and pay for fraud prevention tech (data encryption, tokenization, real-time tracking, etc.). Swipe fees fund these initiatives and cover the maintenance costs.

Debit Card 88

Debit Card Credit Cards Processors Processing Costs 88

Stax

APRIL 17, 2025

Thats why weve compiled this guide to help you understand how POS systems work, the key features to look for, and how to choose and implement the right software for your retail store. TL;DR A point-of-sale (POS) system is a combination of software and hardware used by businesses to facilitate in-store sales.

Online and Mobile Banking 88

Online and Mobile Banking CRM Point-of-Sale (POS) Debit Card 88

VISTA InfoSec

JULY 31, 2023

This includes passwords used by operating systems, software that provides security services, application and system accounts, point-of-sale (POS) terminals, Simple Network Management Protocol (SNMP) community strings, wireless equivalent privacy (WEP) keys, and default service set identifier (SSID) passwords. PCI DSS v4.0

PCI DSS 130

PCI DSS Security Encryption Compliance 130

PYMNTS

MAY 30, 2018

When a customer swipes or inserts a card at the point of sale (POS), what’s top of mind is the item for which they have paid, perhaps the payment method, and maybe how they’ll get it home. Gone are the days when a POS device might be outfitted with a single encryption key needed for debit transactions.

Encryption 49

Encryption Audit Point-of-Sale (POS) Acquirers 49

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.

Encryption 40

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

PYMNTS

AUGUST 9, 2017

In 2013, Silicon Valley startup Clinkle raised $25 million in funding to build the point-of-sale (POS) system of the future using sound, but the company later changed trajectories, creating more of a Venmo-like product primarily aimed at college students. Innovators in South Korea, France, Israel and the U.K.,

Consumer 80

Consumer Point-of-Sale (POS) Chip Cards CHIPS 80

PYMNTS

OCTOBER 20, 2016

Connecting and simplifying payments across sales channels through a single integration point, Worldpay Total delivers end-to-end payment processing by combining point-of-sale (POS), integrated payments and acquiring for integrated software vendors (ISVs) and merchants. Worldpay announced Wednesday (Oct.

PCI DSS 69

PCI DSS Payment APIs and Integration ISVS Point-of-Sale (POS) 69

Clearly Payments

DECEMBER 2, 2024

This involves using a physical point-of-sale (POS) terminal to process card payments. How It Works The customer swipes, inserts, or taps their card on the POS device. The payment gateway encrypts the data and securely transfers it to the card issuer for approval. Ensure your provider complies with these standards.

Credit Cards 105

Credit Cards Payment Gateways Gateways Point-of-Sale (POS) 105

Stax

MARCH 27, 2025

Clients only need to swipe a card at your point-of-sale (POS) terminal or enter their bank account number into your website (Initiation). The Electronic Funds Transfer Act (EFTA) also requires added security features, such as multi-factor authentication, end-to-end encryption, and tokenization.

ACH 88

ACH Electronic Funds Transfer (EFT) Wire Transfer Wires 88

Clearly Payments

OCTOBER 3, 2024

Payment terminals, often referred to as point-of-sale (POS) terminals or credit card machines, are devices that enable businesses to accept electronic payments from customers. There is a difference between a payment terminal (credit card machine) and a POS.

Credit Cards 105

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

PYMNTS

DECEMBER 7, 2016

6) it has been chosen by Red Roof Inn to deploy a new point-of-sale (POS) system across its over 470 properties. In a press release, Ingenico said, by implementing its iSC Touch 480 smart terminals, Red Roof has transformed its traditional checkout experience with a fast and easy multimedia POS.

EMV 62

EMV Point-of-Sale (POS) CHIPS Encryption 62

PYMNTS

JUNE 8, 2018

To verify payment cards at the point of sale (POS), Mastercard is looking into blockchain technology. Through a two-way method, the system encodes an encrypted payment card image that is stored on the blockchain with a private and public key. In a filing with the U.S.

Blockchain 57

Blockchain Visa Verification Point-of-Sale (POS) 57

Clearly Payments

OCTOBER 10, 2024

Point-of-Sale (POS) Integration : Payment processors integrate loyalty programs directly into POS systems. This enables merchants to apply rewards, track points, and offer redemptions in real-time.

Processors 105

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

Stax

FEBRUARY 19, 2025

For example, in fintech, ISVs provide specialized payment processing solutions that integrate with point-of-sale (POS) systems, enhancing transaction security and efficiency. When selecting an ISV partner, businesses should verify: Data encryption standards to prevent breaches. The Benefits of ISV Integrations 1.

ISVS 88

ISVS Payment APIs and Integration API Best Practices 88

VISTA InfoSec

NOVEMBER 9, 2023

SAQ C: SAQ C is for merchants operating via a point-of-sale (POS) system or other payment application systems connected to the internet, without storing electronic account data. Transmission of account data should only be from the PTS POI device to the payment processor. Retention of any account data in paper format.

PCI DSS 130

PCI DSS Assessments Credit Cards Compliance 130

Clearly Payments

MARCH 28, 2024

The Different Types of Credit Card Machines Credit card machines, also known as point-of-sale (POS) terminals or card readers, come in various forms to accommodate the diverse needs of merchants. Cost: Evaluate the total cost of ownership, including upfront costs, transaction fees, and any monthly service charges.

Credit Cards 104

Credit Cards CHIPS Point-of-Sale (POS) Debit Card 104

EBizCharge

MARCH 31, 2025

Point-of-sale (POS) system: A POS system is a combination of hardware and software (physical or virtual terminals) that businesses use to accept transactions, manage sales, and track inventory.

Service Provider 52

Service Provider MSPS Payment Gateways Online and Mobile Banking 52

EBizCharge

NOVEMBER 12, 2024

Whereas point-of-sale (POS) systems are ideal for brick-and-mortar stores, enabling swift in-person payments. Additionally, mobile payments allow businesses to accept payments via smartphones or tablets, offering flexibility for on-the-go transactions.

Accounts 52

Accounts Online and Mobile Banking MSPS Debit Card 52

Stax

FEBRUARY 26, 2024

Because the transaction takes place through a payment gateway that utilizes data encryption or tokenization to secure sensitive information during transmission, accepting payments using a virtual terminal from Stax (which is PCI compliant) is secure. A contactless virtual terminal can also serve as a backup to your point of sale (POS) system.

Credit Cards 88

Credit Cards Payment Gateways Gateways Point-of-Sale (POS) 88

Stax

SEPTEMBER 17, 2024

Most payment gateways come with features like fraud detection and data encryption that are specifically geared towards keeping your customers’ payment information secure. When connected to a website or a point of sale (POS) system, the gateway processes the credit card’s keyed-in or physically-captured information safely and securely.

Payment Gateways 88

Payment Gateways Gateways Payment APIs and Integration Online and Mobile Banking 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

Stax

SEPTEMBER 17, 2024

Protect Stored Cardholder Data Organizations must protect stored cardholder data and other credit card information using encryption, masking, hashing, or other methods to make the data unreadable to unauthorized individuals. Additionally, sensitive authentication data must never be stored after authorization, even if encrypted.

Credit Cards 88

Credit Cards PCI DSS Compliance Process 88

Fintech Review

DECEMBER 3, 2024

Point-of-sale (POS) terminals became commonplace, allowing businesses to process payments seamlessly. Educating users about encryption and tokenisation can help address these concerns. They offered convenience and security by eliminating the need for physical cash. Conversely, security concerns can deter adoption.

Payment Solutions 97

Payment Solutions Payments Contactless Payments Online and Mobile Banking 97

EBizCharge

MARCH 11, 2025

Gateway fees: Gateway fees are the fees merchants pay to use a payment gateway, which acts as a bridge between their website or point-of-sale (POS) system and the payment processor. These fees cover the cost of securely transmitting payment data, encrypting sensitive data, and authorizing transactions in real-time.

Processing Costs 52

Processing Costs Process Credit Cards Payment Gateways 52

Stax

NOVEMBER 6, 2023

Thanks to these modern payment solutions, credit card, and debit card users can now complete their purchases without swiping or inserting their cards at the point of sale (POS) terminals. To accept mobile payments, businesses need to upgrade their point-of-sale (POS) systems to ones that support NFC or mobile payment apps.

Mobile Payments 88

Mobile Payments Online and Mobile Banking Debit Card Payments 88

Stax

MARCH 26, 2024

Secure Transactions: Online terminals incorporate security protocols like SSL encryption, tokenization, and Payment Card Industry Data Security Standards (PCI DSS) compliance. This includes encrypting transaction data, keeping security measures up to date, and scheduling regular audits. Q: Why do businesses need an online terminal?

PCI DSS 88

PCI DSS Encryption Payment Gateways Disputes 88

Stax

NOVEMBER 21, 2024

The customer can make the credit payment physically by swipe, dip, or tap, depending on your point-of-sale (POS) system , which will capture the credit card details. The payment could also be made via digital means. It serves as a link between your website and your payment processor.

Credit Cards 88

Credit Cards Small Business Process Credit Card Payment Processing 88