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Following the PCI Security Standards Council’s new standard for software-based PIN entry into COTS devices, David Poole, Global Head of Mobile POS Devices at MYPINPAD, shares his thoughts: 

” The standard aligns tightly with our goal of increasing merchant card acceptance globally whilst also mitigating risk for both retailer and consumer. The standard includes a specification for isolating and protecting the card PIN when entered in to touchscreen smart-devices (phones and tablets).

Entering cardholder PIN into a mobile device, known as ‘PIN on Mobile’ (PoM), is set to revolutionise the current mPOS landscape by removing the need for expensive dedicated POS terminals. By removing barriers to entry, merchants of all sizes will be able to accept card payments – this is a particularly attractive opportunity for SMEs and under-served economies. COTS devices have the potential to substantially increase the number of card acceptance locations globally.

The standard ensures the payment solution used by merchants has been vetted by a stringent payment security laboratory, resulting in consumer data being protected; entering a card PIN into a smartphone or tablet will be at least as secure as entering it in to a traditional terminal. We believe that this is the biggest evolutionary step for the payments industry in recent years, the introduction of PCI’s Software-Based PIN Entry (SPoC) Standard will make card payments accessible to merchants of all sizes. “

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