First Data® TransArmor® Solution

SKU# TransArmor

Small businesses have previously been of little interest to criminals looking for valuable credit and debit card data. However, these same small businesses are now being seen as easy targets. A Visa analysis has found that small merchants accounted for more than 80 percent of data security breaches.1A breach can cost over $200 per compromised record2, and it can expose your business to chargebacks, fines from banks or regulators and loss of your customers’ trust.

First Data TransArmor addresses these concerns by adding another layer of payment card security to First Data’s already-secure environment. The TransArmor solution is available on new terminals and many older terminals. Ask your representative for availability on your existing terminal.

Easy-to-Implement, Comprehensive Protection That Can Grow With Your Business

The First Data TransArmor solution is a combination of encryption and tokenization technology that protects and removes payment card data completely from the merchant environment, so your systems never hold the actual card numbers from the transactions you process. The solution removes the need for merchants to store card data by replacing it with a randomly assigned number, called a 'token'. In doing so, the TransArmor solution minimizes risk by reducing the scope of PCI compliance, shifting the burden of protecting cardholder data from you to First Data.

This advanced security technology addresses merchant concerns over customer card data protection, card data storage and the rising cost and complexity of PCI compliance.

You can use the token number just like the actual cardholder number to manage business functions and generate sales and marketing reports. But the token can never be used to initiate a fraudulent purchase, even if a criminal is able to steal it.


1 Visa “Drop the Data” Web Site, 2009.
2 Ponemon Institute 2009 US Cost of a Data Breach Study

Quick Overview

Small businesses are being targeted by cybercriminals because they are seen as easier targets. A Visa analysis has found that small merchants accounted for more than 80 percent of data security breaches.1 It can cost over $200 per compromised record in addition to exposing you to chargebacks, fines from banks or regulators and robbing you of your customers’ trust.

More Product Information

Features
  • Two layers of security: encryption and tokenization
  • Encryption technology that encodes data from the moment of swipe – prior to transmission – and protects throughout the entire payment transaction process
  • True tokenization in which the payment card number is replaced with a randomly generated number (no mathematical link back to the actual card number), which can never be used by an unauthorized party to conduct fraudulent transactions
  • Card-based token numbers enable the ability to run reports based on cardholder purchasing behaviors and manage business processes without the risk of storing cardholder data
Benefits
  • Helps protect your customers’ sensitive information and your business from criminals
  • Works with most newer terminals, no changes to back-office systems and no employee training are required
  • Service-based solution is easily updated to accommodate evolving security risks and compliance requirements
  • A powerful combination of encryption and tokenization technologies protect your payment environment with confidence
  • Maintains card processing functionality without the vulnerability of holding card data

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