Secure Card Reader for PIN (SCRP) can be translated into Turkish as “Güvenli Kart Okuyucu-PIN”.
An SCRP is a multi-function card reader that turns any iOS, Android or Windows device into a payment terminal that can carry out secure payments with chip cards and contactless PIN.
The PIN will be captured on the COTS (commercial off-the-shelf) device, and the card data will be captured through the SCRP (secure card reader: PIN) attached to the COTS device.
New security standards have been set for the SCRP product, and there is not yet an approved SCRP product under PCI PTS. Due to its security criteria, this product supports only contact and contactless transactions; it does not support magnetic stripe transactions.
Why is SCRP important?
As payment acceptance moves beyond traditional POS devices, PIN entry on a standard phone or tablet is difficult from a security standpoint. SCRP reduces this risk by moving card reading and the secure processing of the PIN to separate hardware.
This way, small businesses can use their existing mobile devices for payment acceptance without buying a dedicated POS device. A secure entry method or screen is also needed for PIN entry on the device.
This setup should be considered together with SoftPOS and mPOS solutions, and it should be checked whether the hardware used has the relevant security approvals.
