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"PIN Security"

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Illustration representing PIN Transaction Security (PTS) certified payment devices

Merchant & POS

What is PIN Transaction Security (PTS)?

PIN Transaction Security (PTS) verifies that card data and PIN information are used for a payment transaction. It is a set of modular evaluation requirements managed by the PCI Security Standards Council for PIN-accepting terminals.

PIN pad device used for PCI PIN Transaction Security compliance

Payment Systems

What is PCI PIN Transaction Security Point of Interaction?

PCI Point of Interaction (POI) was introduced to minimize risk in card transactions. PCI POI Security Requirements cover physical and logical security for both online and offline PIN entry devices (PED) and secure card readers.

Visa PIN security program guide illustration

Security

What Is the Visa PIN Security Program Guide?

The Visa PIN Security Program Guide describes the security and procedural requirements for acquirers and their agents that process PIN data or manage keys for PINs associated with Visa transactions.

Secure Card Reader for PIN with mobile device

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.

Hand entering a PIN code on a card payment terminal

Credit Card

What should be considered when setting a card PIN?

A credit card is one of the most important payment tools in our lives, which is why keeping it secure is extremely important. So how do we secure a credit card? The most important security measure is the card PIN.

SCRW smart card reader/writer device

Security

What is SCRW (Smart Card Reader Writer)?

SCRW (Smart Card Reader Writer) can be translated as Smart Card Reader/Writer. Smart chip card readers are sophisticated devices with built-in intelligence, usable in PCs, laptops, servers, smartphones, and set-top boxes.

PIN pad device connected to a POS terminal

Merchant & POS

What Is a PIN Pad Device?

A PIN pad lets cardholders safely enter their PIN during POS transactions and lets contactless cards be tapped to transfer card data to the POS. Here is how it works.

Diagram illustrating the SPoC solution architecture for secure PIN entry on a COTS device

Security

What is Software-based PIN Entry on COTS (SPoC)?

Published by the PCI SSC, Software-based PIN Entry on COTS (SPoC) is a standard that provides a software-based approach for protecting PIN entry on commercial off-the-shelf devices such as smartphones and tablets.

Diagram illustrating Terminal PIN Key (TPK) usage in POS and ATM devices

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.

ATM PIN pad used for entering a card PIN

ATM

How is PIN verification performed at an ATM?

At payment points such as ATMs and POS terminals, the most critical step is PIN verification or verifying the customer through their identity information. However, since ATMs cannot verify a customer's identity, PIN verification becomes more important. So how is it performed?

OTP SMS service icon illustrating one-time password delivery

Security

What Is OTP? What Is Its Role in End-to-End Security?

With Chip&Pin technology, card PINs and chip-based transactions became widespread. As online shopping grew, strengthening the security of these transactions became a necessity, and OTP began providing that transaction security.

Smartphone and Android POS device used as commercial off-the-shelf (COTS) devices for accepting payments

Online & Authorization

What are Commercial Off-the-Shelf Devices (COTS)?

Commercial off-the-shelf (COTS) products and services are ready-made, packaged solutions adapted to a purchasing organization's needs, rather than custom-built ones. In payment systems, COTS includes ready-made payment apps for phones and Android POS devices.