Gartner Research

Avoid Pitfalls With Payment Card Security Technologies and PCI

Published: 12 January 2015

ID: G00271391

Analyst(s): Avivah Litan


Recent events, such as the introduction of EMV tokens used by Apple Pay payments and EMV fraud scams, highlight potential pitfalls with new payment card security technologies and PCI. All parties responsible for card transactions should use this research to understand and avoid these pitfalls.

Table Of Contents
  • Impacts


Impacts and Recommendations

  • Criminals have taken advantage of poor implementations of EMV chip payment applications, committing extensive fraud that defeats EMV controls for everyone in the payment card ecosystem
  • EMV tokens, as first implemented by Apple Pay and the payment card networks, are based on different protocols than the tokenization systems merchants use to limit the scope of PCI audits, leading to potentially conflicting token implementations
  • Many P2PE solutions that encrypt data on card swipe are not yet PCI-certified, leaving payment acceptors questioning their adoption

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