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Encryption and Tokenization


Data replacement, more commonly known as ”tokenization,” is the process of replacing sensitive data, such as credit card or ACH data, with tokens that have no value to criminals. Employing industry leading data replacement technologies, ProPay has developed ProtectPay®, a solution that can replace the existing payment card, ACH and other sensitive payment data with valueless data tokens. These tokens allow ProPay merchants to initiate transactions in the same manner as they would using their previously stored data, but without the risk of data compromise and without the associated regulatory requirements that come with storing such data. By replacing stored data with tokens, companies can reduce their PCI DSS compliance obligations significantly while dramatically reducing their risk of data compromise. To read more about how tokenization can help companies protect data and reduce regulatory obligations, see the whitepapers posted on the Resource pages.

Complementing the ProtectPay suite of services, ProPay has developed several secure technologies to transmit sensitive data from the merchant environment to ProPay. Point-to-Point encryption, commonly referred to as end-to-end encryption, is the process of encrypting sensitive data at the point of input and only decrypting the data at the processor or gateway. ProPay leverages this end-to-end encryption in its MicroSecure™ Card Reader to protect data in transit. When coupled with ProtectPay, merchants are offered a secure solution that significantly reduces PCI DSS compliance obligations. 

In addition to the MicroSecure Card Reader, ProPay supports eCommerce merchants through the proprietary Secure Payment Integration (SPI) and Payment Management Interface (PMI) solutions. To understand more about how this helps eCommerce merchants protect data, while complying with the PCI DSS and other regulatory requirements, read the ProtectPay Overview whitepaper.

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