Our payment security solutions include encryption and tokenization to protect card data both “in transit” and “at rest.” Our point-of-sale terminals feature hardware-based, tamper resistant security modules. When a payment card is swiped or inserted, encryption protects the card data as it travels across various systems and networks until it is decrypted at our secure data center. Tokenization replaces cardholder data with a unique token value that is substituted for the payment data in the processing environment for use in subsequent transactions. The sensitive cardholder information is inaccessible should a breach event occur.
Encryption is the strongest protection for card data when it’s in transit. Encryption protects the card data from fraudsters rendering it unrecognizable as it travels across various systems and networks until it is decrypted at Elavon’s secure data center. Encryption is ideally suited for businesses that accept card transactions in a face-to-face or in a card-present environment.
Elavon’s encryption solution features format-preserving encryption, which minimizes or completely eliminates common POS system or message format errors.
Tokenization protects card data when it’s in use and at rest. It converts or replaces cardholder data with a unique token value to be used for subsequent transactions. This eliminates the possibility of having card data stolen because the actual card data is not stored on your system. Tokens can be used in card-not-present environments such as eCommerce and mail order/telephone order (MOTO), or in conjunction with encryption in card-present environments.
Tokens can reside on your POS/PMS or within your eCommerce infrastructure (at rest) and can be used to make adjustments, add new charges, make reservations, perform recurring transactions, or perform other transactions (in use) without the risk of storing the actual card data.
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