Point-to-Point Encryption in Payments: The Stage is Set for Mass Adoption


With the majority of major U.S. merchant acquirers offering point-to-point encryption (P2PE) solutions for securing payment card data either in flight or at rest, the stage is set for broader adoption in the merchant marketplace. In one sense, data-level encryption is a security feature for card payments that merchants haven’t even known was missing for the last 50 years. Some have even said it should be a standard feature of the card payment process. With Visa’s August 2012 announcement that it would offer its own P2PE solution, the potential for standardization has never been closer. Will the merchant market be receptive in a climate of already missing costs? Will recent cryptography enhancements announced by RSA have an impact?

Author: David Fish
Published on: November 21, 2012



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