Jose Diaz

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The EMV liability shift that began in October 2015 is likely to reduce card present payment card fraud. That's a double-edged sword for retailers with an online presence and those who accept mobile payments, as fraudsters are seeking easier routes to ill-gotten gain. Add to this the ongoing data breach environment that has become the new normal, and securing payment transactions has never been more significant. Why can't businesses seem to get security right? It's not a technology problem, to be sure. Solutions that provide increased protection for cardholder data, while maintaining the highest levels of performance - up to millions of transactions per day - were defined and developed after the highly publicized breaches in 2009. The Payment Card Industry (PCI) released solution requirements for point-to-point encryption (P2PE) to assist merchants in protecting car... (more)