This version of the standard gained rapid adoption, as a P2PE solution provider could essentially “plug and play” the various services of other companies, such as a key-injection facility (KIF), certification/registration authority (CA/RA), encryption management service (EMS), and/or decryption management service (DMS). Have you been told your organization needs to comply with certain information privacy and/or security standards, such as PCI, HIPAA, etc.? In the interim, PCI P2PE Assessors and existing 3-D Secure v1 Visa assessors that are also QSAs will be able to perform PCI 3DS Assessments after completing a streamlined qualification process. What in the World is a Qualified Integrator and Reseller? <> While these changes have no effect on merchants, the impact for P2PE assessors and assessed entities will be dramatic, namely: Domain 4 has been moved to Appendix A. Domains 5 and 6 have been moved to Domains 4 and 5, respectively. During this assessment, the P2PE QSA will evaluate the solution against the relevant controls outlined in the following six P2PE Domains: website. 4 0 obj The P2PE Solution Provider works directly with the merchant to coordinate the ordering, key injection, and shipment of terminal devices, and also orchestrates the decryption process (which is generally done in conjunction with payment authorization itself, and often accompanied by tokenization, although this is not required). �;�ѱ% ּx�-H� ��*�2'��]�/?B�4ӟ������ҌXg�.���gP�H���׀�f���КIy��B�B��������~8qK�G�&:�e�*t+r+��M(��1�~lH4)� �lM������ΞH�e\��3� �P�+�h3���w�^�WZk2H*�$��R� 5#I(�ǵ���c�NG��:��Ij�GG�F��Z���mS�H�Q�%�m����t�v& When the PCI Security Standards Council (SSC) released the first version of the PCI Point-to-Point Encryption (P2PE) standard in 2011, its goal was to help merchants obtain a path to compliance that would be simpler than meeting all the requirements of PCI DSS. 5 0 obj Overview of the P2PE standard: Domain 1: Encryption Device and Since 2011, the PCI Point-to-Point Encryption (P2PE) Standard has provided a clear path to security and compliance for card-present and mail order/telephone order (MOTO) merchants. Point-to-Point Encryption (PCI P2PE) standard. Specifically, POS Portal solves for all six requirements mandated by Domain 6. validated solution provider on the PCI website, Terminal Encryption for Security and PCI Compliance: What Every Retailer Must Know about P2PE, The Secret to Making Compliance Suck Less. Since merchant systems can no longer access the cardholder data once it is properly encrypted, P2PE effectively reduces the number of networks and systems considered to be within the scope of the PCI DSS assessment. <> The process for becoming a listed solution with the PCI-SSC begins with an audit performed by an independent, third party, Qualified Security Assessor (QSA) who has been certified for P2PE assessments. The P2PE Solution Requirements and Testing Procedures are set out in six P2PE domains; many of the P2PE requirements are based on elements of other PCI standards as follows: POI devices must meet PIN Transaction Security (PTS) requirements validation. A full chain of custody should be available to validate this. endobj Customer Data Security, Privacy, and the Internet of Things. may require remediation, in order to achieve compliance with the Payment Card Industry Point-to-Point Encryption (PCI P2PE) standard. The 4 Component Types currently available are: Encryption Management Services (Domain 1): This is the listing for companies that provide Encryption and Key Management Services. The difference between a QSA (P2PE) and a PA-QSA (P2PE) comes when looking at the six domains of P2PE (sort of like major requirement numbers). The process for becoming a listed solution with the PCI-SSC begins with an audit performed by an independent, third party, Qualified Security Assessor (QSA) who has been certified for P2PE assessments. When the PCI Security Standards Council (SSC) released the first version of the PCI Point-to-Point Encryption (P2PE) standard in 2011, its goal was to help merchants obtain a path to compliance that would be simpler than meeting all the requirements of PCI DSS. The first iteration of P2PE, version 1.1, contained over 900 requirements that must all be met by a single entity—the P2PE Solution Provider—before a merchant could purchase the solution and be eligible for the scope reduction from P2PE. And, arguably, skipping this once-a-year assessment is almost a guaranteed way to ensure your organization is not meeting those remaining controls (my favorite expression is “you can’t expect what you don’t inspect”). endobj Overview of the P2PE standard: Domain 1: Encryption Device and Application Management endobj <> For merchants that select a P2PE solution from PCI’s approved list, the advantages can be significant. Now, with the release of P2PE version 3.0 in 2019, four new component provider types have been added: POI Deployment Component Provider (PDCP), POI Management Component Provider (PMCP), Key Management Component Provider (KMCP), and Key Loading Component Provider (KLCP). The date the P2PE statement is signed for the third party’s P2PE … So, less scope means fewer systems that have to be examined. 1 0 obj Any system that can only see P2PE-encrypted account data may be deemed “out of scope.” For larger retailers with a distributed retail network, this could mean thousands of POS workstations, network devices, people, and physical environments would fall outside the cardholder data environment. PCI 3D Secure. x��]XWA������`� P2PE Standard and are in-scope for all other P2PE requirements (in Domains 1, 2, 3, 5, and 6). POS Portal can provide end-to-end solutions for Processors, Gateways, or merchant acquirers when it comes to every Domain 6 requirement. Overview of the P2PE standard: At only 33 questions, the SAQ P2PE is much smaller than any of the other card-present SAQs—over 90% reduction in applicable controls. 2 0 obj Below are a few of these benefits. The six domains of P2PE requirements are: Domain 1: Encryption Device Management Domain 2: Application Security Domain 3: Encryption Environment Domain 4: Segmentation between Encryption and Decryption Environments requirements for validating the applications running on point-of-interaction (POI) devices in a P2PE solution. Upgraded domain infrastructure from Windows NT 4.0 to Server 2003. Any PED used within a P2PE solution must be PTS validated, have SRED enabled and be handled from manufacturer to solution provider to merchant in accordance with the P2PE standard (Domain 1). The six domains of P2PE requirements for Hardware/Hybrid solutions are: Domain 1: Encryption Device Management Domain 2: Application Security Domain 3: … Excerpted from the ControlScan white paper, “Terminal Encryption for Security and PCI Compliance.”. Hardware Decryption or Hybrid Decryption) Requires the use of HSM for management of cryptographic keys. P2PE Solution Providers may choose from the published list of validated component providers based on devices and software supported, in order to build their solution. P2PE Domains 1, 5, or 6 (including Annexes A and B) such as POI device management, decryption environment related functions, Key Injection Facility (KIF) services, Certification Authority (CA), or Registration Authority (RA). Domain Overview P2PE Validation Requirements Domain 1: The secure management of the PCI Encryption Device and Application Management 1B-approved POI devices and the resident software. If your business is working to implement PCI point-to-point encryption, check out the complete P2PE for Retail white paper, “Terminal Encryption for Security and PCI Compliance: What Every Retailer Must Know about P2PE.” In it you will learn the basics of P2PE for PCI compliance, how to get up and running with a P2PE solution provider, and more. Note that all applications with access to clear-text account data must be reviewed according to Domain 2 and are included in the P2PE solution listing. -rcڊteР*Z�6E�fT2�]��kx���S��3 ��ر���]E�����cL1�4cʗ/�Kbzb��ӛ)��c� ���ٙ�]�/;��,�}�ン3w�ܹ��s�=�\�8� ��I<. <> The requirements structure and assessment mechanics for P2PE 3.0 have been modified significantly. Application vendor, name and version # POI device vendor Depending on your tolerance for other (read: non-credit-card-related) risks, these systems can be maintained under a separate security policy, and thus be monitored less frequently or protected by less expensive monitoring tools. ���.r��P,&�܉����lʚ:������j�2�|����(e��b���,Ҍ�5$�eo���ZW{:�N�s�~�~Q�3����֟� �1��=t�R#wf�Rzf/�Y��ϊW��z\�N��W����M This second post provides a high level overview of the domains that make up a PCI P2PE solution. Logically secure POI devices. It is worth noting, however, that this level of disregard is only possible because these systems represent absolutely no threat to account data. The NESA can allow for scope reduction in a merchant environment even if not all P2PE requirements are adhered to. If so, you may find yourself quickly overwhelmed with all the requirements. Merchants who accept over 75% of their transactions using one or more of these technologies, and are accepted into the program, may forego their annual PCI assessment altogether! The P2PE Application Delta Change Assessment provides an analysis of PCI P2PE security operations and safeguards, as well as application testing to determine an application’s compliance with Domain 2 of the PCI P2PE standard. x��U]k�@|7�?��)���}�!�8NIh@�n���A8�c���Vh�ﻧ� �>�6�������%��f9/f ��'�MS�^�g�&���)�|��I^,�U�,�����Gp5��0�����BjH��&��@��?�S�L1a=~��-� A significant number of security controls are required to provide the necessary confidence that the encryption safely protects the cardholder data from the point of encryption (e.g., the POI device in a retail store) to the point of decryption (e.g., the processor’s decryption environment, safely outside the merchant’s realm of influence). <>/XObject<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> In 2015, version 2.0 of the P2PE standard was released, allowing companies that played unique roles in this new ecosystem—namely, P2PE component providers—to be assessed independently. Supported ~350 workstations (Windows XP). 9 0 obj Any PED used within a P2PE solution must be PTS validated, have SRED enabled and be handled from manufacturer to solution provider to merchant in accordance with the P2PE standard (Domain 1). ... audit for financial controls and Payment Card Industry (PCI). <>>> This second post provides a high level overview of the domains that make up a PCI P2PE solution. Improved Technology Payment card industry (PCI) compliance represents the operational and technical standards businesses must follow to protect credit card holder data. PCI-validated P2PE solutions, such as Bluefin’s, encompass 5 Domains: Domain 1: Encryption Device and Application Management; Domain 2: Application Security; Domain 3: P2PE Solution Management; Domain 5: Decryption Environment; Domain 6: P2PE Cryptographic Key Operations and Device Management stream payment systems). The Payments Security Standards Council (PCI SSC) have released their solutions Requirements and Testing Procedures version 1.1 for Point-to-Point Encryption (P2PE). specified in this document, and is listed on PCI SSC’s list of Validated P2PE Solutions. This encryption must be so strong that it is no longer necessary for the merchant to meet the PCI DSS requirements for devices that touch encrypted data, since these data would be of no value to any attacker (we call this “devalued” data). Domains. endobj P2PE 2.0 allows PCI-validated P2PE solution providers like Bluefin to offer Components of their validated solution to non-validated providers and to merchants. These applications may also be optionally included in the PCI P2PE list of Validated P2PE Applications list at vendor or solution provider discretion. Point-to-Point Encryption (P2PE) P2PE is an official program of the PCI Standards Council and it is the only class of solution promoted by the council that permits automatic compliance simplification (aka scope reduction). ~30 IBM servers (NT4.0 / 2000 / 2003). De-scoping these systems from the annual assessment can also result in appreciable savings, as protections for entire software products, technologies and networks can be omitted from the assessment, and assessor travel to certain locations can be avoided altogether. Such a solution must meet a slew of specific requirements, be audited by a special assessor called a QSA(P2PE), and be listed as a validated solution provider on the PCI website. The PCI DSS (Payment Card Industry Data Security Standard) is a security standard developed and maintained by the PCI Council.Its purpose is to help secure and protect the entire payment card ecosystem. This prevents fraudsters from being able to steal card data while in transit or storage thereby providing customer peace of mind and reducing the PCI burden on merchants. These applications may also be optionally included in the PCI P2PE list of Validated P2PE Applications list at vendor or solution provider discretion. Note, however, that the fine print in this program dictates that while the assessment may be skipped, the merchant is still responsible for being compliant to all the applicable controls, so while this could save time on assessment, it does not reduce the compliance requirement. endobj ... Point-to-point encryption (P2PE… Validation is done by a PCI-qualified P2PE assessor. These applications may also be optionally included in the PCI P2PE list of Validated P2PE Applications list at vendor or solution provider discretion. A full chain of custody should be available to validate this. Current version 2.0 Revision 1.1 –Released in July 2015 P2PE scenarios (e.g. Visit the ControlScan BlogControlScan’s experts blog about data security and compliance best practices. 11 0 obj ��$�Wu�ԫc,w�(�С2������D���*��-:��h�l*�9)!�z!���־�Fk.��t��p~ί��S���e{\��X^D�f"[�U�b������7�:���2xdyK6�}�B笴�i�-��a��f{���e� The P2PE Component Assessment provides an analysis of PCI P2PE security operations and safeguards. POI devices must be PCI SSC approved PTS devices with SRED … Domain 1: Encryption Device and Application Management; Domain 2: Application Security; Domain 3: P2PE Solution Management; Domain 4: Merchant Managed Solutions (not applicable to 3 rd party solution providers) Domain 5: Decryption Environment; Domain 6: P2PE Cryptographic Key Operations and Device Management Hospitality supports P2PE environment. A P2PE QSA must assess the risk in terms of the non-compliant elements but Domains 5 and 6 do need to be fully in place. For the solution provider, this ability to select from numerous component providers translates into being able to better focus on their core service, usually the point-of-sale software, gateway service, or merchant acquiring service which is enhanced by the addition of terminal-based encryption. <> 1A Account data must be encrypted in equipment that is resistant to physical and logical compromise. It requires that payment card data be encrypted immediately upon use with the merchant’s point-of-sale terminal and cannot be decrypted until securely transported to and processed by the payment processor. ControlCase Annual Conference –Miami, Florida USA 2017 16 P2PE –Key Summary Points Allows merchants to use the SAQ P2PE if they qualify. The PCI Point-To-Point Encryption (P2PE) Standard defines requirements and testing procedures for validating P2PE solutions. 3 0 obj Payment Card Industry 3-Domain Secure (PCI 3DS) is a PCI Core Security Standard by PCI SSC, supporting the functionality of EMVCo’s EMV 3D Secure core security protocol and respective core function specification. specified in this document, and is listed on PCI SSC’s list of Validated P2PE Solutions. Logically secure POI devices. Data breaches and data theft are unfortunately common, and negatively impact all payments parties in different ways—from retailers to consumers to banks—so the need for PCI … The P2PE solution provider engages a P2PE Assessor to assess their solution as required by the PCI P2PE Standard and Program Guide. Domain 2 and are included in the P2PE solution listing. In other words, to treat a system as out-of-scope, you should be able to assume that it is already under the complete control of an attacker—yet it can still be trusted to perform its duty without risking compromise of credit card information. The P2PE standard is based on secure encryption and decryption of account data at each … In addition to the benefits above, most P2PE Solution Providers offer their service in conjunction with a turnkey payment solution, such as a POS, gateway or smart-terminal device. The P2PE Application No-Impact Change Assessment provides an analysis of PCI P2PE security operations and safeguards, as well as application testing to determine an application’s compliance with Domain 2 of the PCI P2PE standard. (i.e. This gets you back to work serving your customers, not struggling with outdated devices or filling out security questionnaires. To provide this level of security, several protections must be put in place by P2PE Solution Providers. domains 5-6)must be fully compliant with P2PE; Recommendations of how the solution works with PCI DSS and where compliance can be simplified 1A Account data must be encrypted in equipment that is resistant to physical and logical compromise. The three domains in the EMVCo specification consist of the acquirer domain, issuer domain, and the interoperability domain (e.g. %PDF-1.5 This is only because there is no feasible way for a bad actor to decrypt the credit card data passing through these environments or doing so would be so costly as to provide no financial value. In addition to a complete solution provider certification, the PCI P2PE also allows an independent certification of payment applications on the POS terminal according to domain 2 of the PCI P2PE as well as a modular certification for individual domains, the so-called P2PE components. 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