Point-to-Point Encryption (P2PE)
P2PE is a standard established by the PCI Security Standards Council. It encrypts cardholder data from the point of interaction (like a POS device) until the data reaches the solution provider’s secure decryption environment.
It’s an important measure to secure sensitive cardholder data, reducing the risk of data being intercepted or tampered with.
P2PE helps in simplifying the PCI DSS compliance as the merchant does not have access to unencrypted cardholder data at any point, therefore reducing the scope of the PCI DSS assessment.
The key advantage of P2PE is that it protects cardholder data from the point it is swiped or tapped until it reaches the payment processor, mitigating the risk of a data breach. Implementing P2PE involves:
- using approved point-of-interaction (POI) devices and applications.
- secure encryption and decryption environments.
- a robust key management system.
P2PE solutions must be validated by a third-party assessor and are subject to strict requirements outlined by the PCI Security Standards Council.