Security
What Is a Secure Card Reader for PIN (SCRP)?
A Secure Card Reader for PIN (SCRP) is a multi-function card reader that turns any iOS, Android or Windows device into a payment terminal able to accept chip and contactless payments with PIN.
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38 articles found
Merchant & POS
What Is Recurring Billing?
Recurring billing is the automatic collection of payments at set intervals and amounts by storing the customer's card details on a secure, PCI DSS-certified infrastructure.
Payment Systems
What is SPA (Smart Payment Association)?
The Smart Payment Association (SPA) is the trade association of the smart payments industry. It provides leadership and expert guidance to help members and customers realize smart, secure and personalized payment systems and services, now and in the future.
Merchant & POS
What Is Card Storage?
Card storage is a system, secured with PCI DSS certification, for storing credit and debit card details safely. It saves consumers from entering their card details again and again on frequent purchases.
E-commerce
What is Online Payment?
Making payments over the internet using a card is called online payment. Learn what online payment systems are used for and what happens behind an online transaction, from the payment gateway to the issuing bank.
Merchant & POS
What is Digital POS?
The digital form of Point of Sale (POS) systems is called Digital POS. There is also a software-only subtype called Virtual POS. After Mobile POS (mPOS) and Virtual POS usage became widespread, the term digital POS came to refer to these two products.
Credit Card
A Different Combo Card Experience: Union Bank RuPay Combo Card
A look at the Union Bank RuPay combo card, an unusual design with two chips, two card numbers, two CVV2 values, two magnetic stripes, and two payment schemes combining credit and debit card functions.
HSM & Security
What is TPK (Terminal PIN Key)?
TPK stands for Terminal PIN Key. It is a data encryption key used to encrypt PINs for transmission between a terminal and the terminal's bank (acquirer) within a local network. Learn how TPK is used in POS and ATM devices.
HSM & Security
What Is an HSM? What Is It Used For?
HSM, short for Hardware Security Module, is specialized security hardware built to store sensitive cryptographic keys in a physical environment and to perform cryptographic operations in the most secure way.
HCE
What Are Tokenization and Detokenization?
Tokenization generates secure data from a credit card number, using specific algorithms, for use during authorization. In CNP transactions, it removes the risk of storing or compromising the original card number.
Merchant & POS
What does POS brand and model mean?
Just like a car, a POS device has a brand and a model, for example Ingenico ICT220 or Ingenico ICT250. Each model differs from the others: some have a contactless reader while others may not, and screens, memory and features vary.
ISO 8583
ISO 8583 Field Descriptions (F45)
F45 (TRACK-1 DAT) carries the Track 1 data of the card in ISO 7813 format, including field separators and start and end sentinels but excluding the LRC character. It is 76 characters long.