Semi-integrated POS
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Semi-Integrated Point-of-Sale is a checkout method used by retailers which integrates payment processing and POS software in a secure & streamlined network configuration. Semi-Integration allows retailers to accept Chip/EMV credit card and debit card payments, as well account for inventory changes, returns, voided transactions and other payment functions.
Semi-integration is a measure that ensures payment terminals are connected with retail point-of-sale software, while maintaining separation between payment information transmission and other systems.[1] In order for retailers to become PCI compliant without extensive investment into fully integrated compliant systems, semi-integration offers a cost-effective, compliant resolution.
Semi-Integration offers the following benefits:
- One to many integration - Solutions that offer semi-integration are often supported with several different processors meaning ISVs develop to one semi-integrated specification and can support multiple processors with the single integration
- No costly EMV certifications - EMV certifications are already completed by the processor; the most that is usually required is a simple device integration script or unit testing
- PCI PA-DSS Reduced Scope - No sensitive card account data is sent to the POS application that drives the semi-integrated terminal
- Customer facing device; merchant should never touch the card
- All receipt data is returned from the device to the POS application
- Multiple Connectivity Methods - Some devices may allow TCP/IP (wired or WiFi), Serial, USB, Bluetooth or Web Services type connections between the device and POS Application
- P2PE - Some processors may offer Point-to-Point Encryption (Note: P2PE is mainly needed when sensitive data like a credit card number traverses an insecure network like a POS PC or tablet. Most Semi-Integrations ensure that no sensitive data touches an insecure network and which makes P2PE a moot point)
- Dial Backup - If supported by the device, dial backup is usually automatic if the IP connection fails
References[edit]
- ^ "What is Semi-Integrated POS". Helcim Inc.
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