Credit Cards · Tools · Glossary · P-terms · Point-to-point encryption

Credit Card Glossary: Terms and Definitions

Confused by credit card terms?'s glossary of credit card definitions will help. From account holder to Regulation Z, we have defined the most-common and most-confusing credit card terms.

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Point-to-point encryption

Point-to-point encryption (P2PE), sometimes referred to as end-to-end encryption (E2EE), encrypts card data from the time that it is entered into a merchant's point-of-sale device until it reaches a point of secure decryption such as the payment processor. It is considered a defense against RAM scraping, in which hackers search the memory of merchant POS systems for payment card numbers.