Time to rethink the traditional payment architecture
The EMV migration is driving the U.S. market to rethink its traditional approach to payments. That’s largely due to the fact that within a traditional, fully integrated environment, migrating to EMV involves a lot more than just upgrading the payment terminal. It also requires upgrading the entire point of sale (POS) and back office infrastructure, creating a long and expensive undertaking. Today, both merchants and merchant service providers are seeking a more flexible, semi-integrated approach to help streamline this process and manage PCI scope.
Semi-Integrated Retail Environment
Within a semi-integrated architecture, the communications are limited between the terminal and the ECR system to non-sensitive commands. Card data never enters the ECR; instead it is encrypted and routed directly from the terminal to the intended processing host/s or gateway as illustrated in the diagram below.