Key Benefits
Increase Security
By using P2PE, payment information is unreadable until it reaches a secure decryption environment.
Simplify PCI Compliance
Reduce PCI scope by up to 90% and keep sensitive payment data off your internal systems.
Gain Processor Flexibility
Reduce “processor lock-in," add new processors, control your payment flow, and improve authorization rates.
What is P2PE?
Point-to-point encryption (P2PE) is the Payment Card Industry (PCI) standard for cryptography to securely collect and exchange payment information from an in-person device or terminal.
PCI-validated Point-To-Point Encryption (P2PE) drastically reduces your PCI scope for card-present payments and unifies payment data across all channels and processors. An in-person payment solution is not considered P2PE unless it has been reviewed and validated by the PCI council. Solutions that are not PCI-validated are not considered P2PE and will incur additional PCI scope.
How it Works
Payment card information is encrypted on the payment device using IXOPAY encryption keys.
The encrypted codes are then sent to IXOPAY for decryption.
Once the data is decrypted back to the original card information, it is sent to the appropriate payment processor.
The merchant then receives a notification if the payment is accepted or rejected. This notification includes a Universal Token that the merchant can store.
Universal Tokens are generated specifically for the merchant and represent the original transaction. The merchant can use the universal token to refer back to the transaction or even refund the customer without the customer’s card information.
What You Get
Own Your Payment Data
Use universal tokens to unify payment information, analyze customer data, and support loyalty programs across your in-person and online channels.
Use Any Payment Device
With the ability to utilize any PCI-approved PIN Transaction Security (PTS) device, you can easily add new POS hardware or maintain the functionality of existing terminals and upgrade later.
“The IXOPAY relationship is amazing. It’s one of the best providers that we have. The support is great, with a dedicated team to help.”