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What is P2PE?

P2PE stands for Point to Point Encryption. P2PE means your transactions are immediately encrypted before the sale is transmitted to the acquiring bank for processing.

Payment technology has come a long way since the days of knuckle-busters or calling in for an authorization. Granted, these two older methods of payment acceptance can still be used today! Although, their widespread use faded away multiple decades ago. Now, payments are authorized in real-time, and as such, we have different security needs.

Point to Point encryption ensures transaction data is encrypted before it is  communicated to the acquiring bank. In turn, should any nefarious party gain access to your transactions communications they still would not be able to view or access the card data - it's encrypted already! P2PE ensures that sensitive data  doesn't flow through your local network connection, which can be a big risk. As you may imagine, in order for a processing solution to be certified as P2PE, it must go through a stringent process to ensure their product meets the PCI guidelines for a P2PE application.

This also means that if you're using a P2PE device, you won't be responsible for any PCI scans at your location! Since the data isn't residing on your network (but instead, is encrypted whilst on your network, and only decrypted later) you aren't responsible for protecting it! This makes your annual PCI compliance requirements much easier, as you only have to complete the easy questionnaire. This is the biggest practical advantage to merchants who use P2PE - they aren't responsible for lengthy security scans every quarter. 

We're serious about saving money.

AND is dedicated to getting your processing rates as close to zero as possible. We utilize membership pricing along with cash discounting and surcharging programs to maximize savings. Let our analysts review your statements and see how much money we can put back in your pockets.