TR31 Compliance Deadline

What is PCI?

The Payment Card Industry (PCI) Security Standards Council was formed in 2006 by the card networks with the goal of managing the ongoing evolution of cardholder data security.

Members of the PCI Security Standards Council currently consist of Visa, MasterCard, American Express, Discover and JCB.

You can read more about them here.

Why is this needed?

PCI designation is a requirement for the ongoing operations of ATMs. Without PCI designation, there is no ATM business.

ATM transaction security is critical to ensure integrity of the payment infrastructure and the current hardware/software requires upgrades.

  •   Non-compliant ATMs are considered at significant risk of fraud, brand damage and a loss of revenue
  •   Failure to implement TR-31 ("Key Blocks") could leave an ATM vulnerable to more attacks and could ultimately result in payment and customer data compromises
  •   PCI and Networks’ (card brands) requirements are intended to improve and enhance security and will change the way encryption keys are protected and managed
  •   "Key Blocks" will further secure the PINs and data to be transferred through the ATM and payment network ecosystem and infrastructure
    •   Key Blocks make it more difficult to exploit weaknesses
    •   Key Blocks protect the cryptography that, in turn, protects payment data

How does this impact your ATMs?

PCI/Networks’ deadline for ATM Providers and Host Processors to encrypt transaction data using TR31 Key Blocks is January 1, 2025.

  •   The recommended path is a one touch visit to address any hardware compatibility needs (ATM or EPP replacement) AND/OR to load TR-31 compliant software. All ATMs will require a site visit.
  •   If software is not updated with hardware upgrade, a second visit is required to update software to be compliant (e.g., TR31)

TR31 Compliance Inquiries

Please fill out the form below and we will respond to your inquiry as quickly as possible.

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