Re:Apple Pay’s long road to paying off is getting shorter
by JumpCrisscross on Tuesday April 25, 2023 @02:49AM
(#35697291)
> Rest-of-the-world had Visa/MC forcing merchants to upgrade on a faster schedule than the US, because the US card environment has many more middle-man processors in the mix that would lose their slice of the transactions
Was it Visa and MasterCard? Or the issuing banks?
Re:Apple Pay’s long road to paying off is getting shorter
by pas on Tuesday April 25, 2023 @03:57AM
(#35697735)
anyone else wondering CHI is cardholder information
Re:Apple Pay’s long road to paying off is getting shorter
by AmericanChopper on Tuesday April 25, 2023 @04:38AM
(#35697966)
The correct acronym is CHD (Cardholder Data). Using specialised acronyms in normal conversation is annoying enough when you use the right ones…
Re:Apple Pay’s long road to paying off is getting shorter
by rswail on Tuesday April 25, 2023 @05:50AM
(#35698364)
I always get PII and CHD mixed up :)
Sorry, to clarify:
PII: Personally Identifiable Information (relates to GDPR etc)
CHD: Card Holder Data (relates to EMV etc)
CHD is a form of PII, but PII has greater scope.
Also large retailers that "self-acquired" didn't want to invest in upgraded readers, or lose access to the card details.
Breaches like Target's where a bunch of actual CPANs and customer details were stolen started to force the US to upgrade. Enforcing PCI compliance of separation and encryption of CHI has also forced US companies and banks to upgrade.