CPoC: New data security standard for contactless payments
The PCI Security Standards Council (PCI SSC) published a new data security standard for solutions that enable merchants to accept contactless payments using a commercial off-the-shelf (COTS) mobile device with near-field communication (NFC).
PCI CPoC Standard
Using the PCI Contactless Payments on COTS (CPoC) Standard and supporting validation program, vendors can provide merchants with contactless acceptance solutions that have been developed and lab-tested to protect payment data.
“The PCI CPoC Standard is the second standard released by the Council to address mobile contactless acceptance. Specifically, the PCI CPoC Standard provides security and test requirements for solutions that enable contactless payment acceptance on a merchant COTS device using an embedded NFC reader,” said PCI SSC Standards Officer Emma Sutcliffe.
“Contactless, or tap and go, payment adoption is on the rise globally, and merchants want affordable, flexible and safe options for contactless payment acceptance that allow them to best serve their customers. In addition to PCI Software-based PIN Entry on COTS (SPoC) Solutions that enable contactless payment acceptance with a dongle attached to the mobile COTS device, the PCI CPoC Standard and Program now provide merchants the option to use validated solutions that require no additional hardware to accept contactless transactions,” said PCI SSC Senior VP Troy Leach.
Standard security requirements
The PCI CPoC Standard includes security requirements for vendors on how to protect payment data in CPoC Solutions and test requirements for laboratories (labs) to evaluate these solutions through the supporting validation program.
The central elements
The primary elements of a CPoC Solution include: a COTS device with an embedded NFC interface to read the payment card or payment device; a validated payment acceptance software application that runs on the merchant COTS device initiating a contactless transaction; and back-end systems that are independent from the COTS device and support monitoring, integrity checks and payment processing. Software-based PIN entry is not permitted in a CPoC Solution.
Through a combination of the security controls built into the merchant application and ongoing monitoring and integrity checks performed by the back-end systems, merchants and consumers can have confidence in the security of the CPoC Solution and the contactless transaction.