Cardholder Data Breaches are Rapidly on the Rise: How P2PE, Tokenization & EMV Provide a Solid Defense

Last year, the payments industry spent over $40 billion on programs designed to keep cardholder data secure. The Target breach, however, has created a new sense of urgency about what merchants must do in light of greater threats and attacks from a new breed of fraudster.

The prevailing industry wisdom now is twofold: there is no one single solution or “silver bullet” that will prevent a breach and it’s no longer if, but when, a breach will occur. The best that can be done, then, is to make whatever they find when they find their way in, useless.

And that means deciding if, how, and when to deploy validated Point-to-Point Encryption (P2PE), Tokenization, and EMV as well as the role of the PCI Standards Council in an environment that is moving quickly beyond cards to mobile devices and a new breed of point of sale systems.

PCI has asked a lot of questions over the years that merchants, payment applications, and service providers have been required to answer. Now PCI has provided security and technology standards to secure cardholder data and it’s time for your organization to learn what those answers are: Point-to-Point Encryption (P2PE), Tokenization and EMV.

Tune in on May 1st at 11 am for an educational digital discussion hosted by and Bluefin Payment Systems to review the many considerations related to keeping cardholder data secure.

During this session you will learn:

  • How P2PE, Tokenization and EMV work together to protect against breaches
  • The value of keeping cardholder data secure and the significant expense when an organization fails to do so
  • The role of a validated P2PE solution in a merchant’s overall security portfolio
  • The ROI of deploying a validated P2PE solution
  • What can an organization do TODAY to secure cardholder data




As CEO of Bluefin Payment Systems, John leads all aspects of the company’s strategic planning, including spearheading key alliances and acquisitions. He is noted for creating a clear vision and recruiting exceptional teams to exceed launch and service targets, execute process re-design initiatives, and generate profitable new products.His past experience includes Chairman and CEO of Spectrum, an independent electronic bill-payments company; President and COO of NOVA Information Systems, a US Bancorp company and executive positions with First Data, Visa USA and Wells Fargo Bank.He holds a Bachelor of Science degree in engineering from the United States Military Academy at West Point and an Executive Masters in Management (MBA) from the Kellogg Graduate School of Management at Northwestern University.


Your Host and Moderator


President of and CEO of Market Platform Dynamics Karen Webster is one of the world’s leading experts on payments and is an advisor to CEOs and boards of multinationals operating in the payments and broader financial technology sectors.



New forms of alternative credit and point-of-sale (POS) lending options like ‘buy now, pay later’ (BNPL) leverage the growing influence of payments choice on customer loyalty. Nearly 60 percent of consumers say such digital options now influence where and how they shop—especially touchless payments and robust, well-crafted ecommerce checkouts—so, merchants have a clear mandate: understand what has changed and adjust accordingly. Join PYMNTS CEO Karen Webster together with PayPal’s Greg Lisiewski, BigCommerce’s Mark Rosales, and Adore Me’s Camille Kress as they spotlight key findings from the new PYMNTS-PayPal study, “How We Shop” and map out faster, better pathways to a stronger recovery.