unattended payment
and PIN + Contactless set up and bring
the benefit of small size. With a reduced
footprint, valuable space on a payment
kiosk can be released, especially useful
as a contactless device is now required.
We can expect these type of devices to
be ready for market within 2016 once
certifications and acquirer accreditions
have been completed. Another positive
with the new chip and contactless
devices is cost. Rather than having to
purchase a modular 2 or 3 piece set
up with individual prices, the all-in-one
device will be less expensive compared
to devices used today.
These readers will offer a practical
and lower cost way to accept contact
and contactless cards if your transaction
values never exceed £30, it’s possible that
in certain markets the £30 limit could be
rasied in the future increasing the amount
of transactions these devices can process.
Point-to-Point Encryption
To put it simply, P2PE is the most
secure payment process to-date and
is the recommended way to protect
cardholders from being compromised.
Sensitive data is encrypted at the point
where the card is read, and is only
decrypted once inside the payment
50 KIOSK solutions
gateway’s data centre. P2PE card
payment uses the same hardware
devices as now, but has a special P2PE
key injected onto the terminal at a
secure key loading facility. At no point in
the process is cardholder data available
to the host operating system or network.
The encryption key that is loaded onto
the PIN Entry Device (PED) is a highly
sensitive piece of information and it
is therefore essential that a ‘Chain of
Custody’ is put in place to ensure that
throughout the life cycle of the PED it
is under the care and responsibility of
authorised personnel at every stage,
and there is no opportunity