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Payment Security Glossary

Plain-English definitions of key terms in payment security, PCI compliance, and secure telephone payments.

PCI Compliance(19)

PCI DSS

PCI DSS Compliance

PCI DSS Levels

SAQ (Self-Assessment Questionnaire)

Attestation of Compliance

PCI DSS Non-Compliance

Qualified Security Assessor (QSA)

Report on Compliance (ROC)

PCI DSS Scope

PCI SSC

Approved Scanning Vendor (ASV)

Internal Security Assessor (ISA)

Compensating Controls

PCI DSS v4.0

Payment Compliance

Payment Security Standards

Descoping PCI DSS

Payment Card Industry (PCI)

PCI DSS v4.0.1

Payment Cards & Networks(14)

BIN (Bank Identification Number)

Visa

Mastercard

American Express

Discover

JCB

Debit Card

Card Issuer

Card Scheme

EMV Chip

Magnetic Stripe

HSA/FSA Card Payments

Card Network

Card-Present Transaction

Fraud & Risk(13)

Chargeback

Data Breach

Fraud Prevention

Card Testing Fraud

Account Takeover

Identity Theft

Address Verification Service (AVS)

Velocity Checks

Risk Scoring

Machine Learning Fraud Detection

Device Fingerprinting

Compelling Evidence (CE 3.0)

Representment

Regulation & Standards(17)

GDPR

PSD2

FCA Consumer Duty

Payment Services Directive

Anti-Money Laundering (AML)

Know Your Customer (KYC)

Sanctions Screening

Dispute Resolution

TCPA

HIPAA Payment Compliance

Business Associate Agreement

CCPA

CPRA

Regulation E

FTC Safeguards Rule

DORA (Digital Operational Resilience Act)

SOC 2

Digital & Emerging(15)

API Integration

Webhook

Payment SDK

Headless Commerce

Embedded Payments

Invisible Payments

Conversational Commerce

Voice Commerce

AI Payments

Open Banking API

Digital Payment Platforms

Payment Experience

Click to Pay

Secure Remote Commerce (SRC)

Digital Wallet

Business Operations(11)

Payment Reference

Merchant Reference Number

Call Reference Number

Merchant Category Code (MCC)

Invoice Factoring

Dunning

Payment Reminder

Subscription Management

Revenue Recovery

Failed Payment Recovery

CRN

All Terms A-Z

3D Secure / SCA 3D Secure 2 (3DS2)ABA Routing Number Access Control Server (ACS)Account Takeover ACH Payment Acquiring Bank Address Verification Service (AVS)AI Payments American Express Anti-Money Laundering (AML)API Integration Apple Pay Approved Scanning Vendor (ASV)Attestation of Compliance Authorisation Automatic Call Distributor (ACD)Average Handling Time (AHT)Batch Processing BIN (Bank Identification Number)Biometric Authentication Business Associate Agreement Call Recording Call Reference Number Capture Card Issuer Card Network Card Not Present (CNP)Card on File Card Scheme Card Security Code Card Surcharging Card Testing Fraud Card-Present Transaction Cardholder Data Environment (CDE)CCaaS CCPA Channel Separation Chargeback Chargeback Fraud Chargeback Representment Clearing Click to Pay Cloud Contact Centre Compelling Evidence (CE 3.0)Compensating Controls Computer Telephony Integration (CTI)Contact Centre Payments Contactless Payments Conversational Commerce CPRA Credit Card Number CRN Customer Satisfaction Score (CSAT)CVV / CVC / CV2 Data Breach Debit Card Descoping PCI DSS Device Fingerprinting Digital Payment Platforms Digital Wallet Direct Debit Discover Dispute Resolution DORA (Digital Operational Resilience Act)DTMF Masking Dunning Dynamic Currency Conversion (DCC)Embedded Payments EMV Chip Encryption End-to-End Encryption (E2EE)Face-to-Face (F2F) Payments Failed Payment Recovery Faster Payments Service FCA Consumer Duty FedNow Firewall First Call Resolution (FCR)Fraud Prevention Friendly Fraud FTC Safeguards Rule GDPR Google Pay Hard Decline Hashing Headless Commerce HIPAA Payment Compliance Hosted Payment Page HSA/FSA Card Payments Identity Theft Instant Bank Transfer Integrated Services Digital Network (ISDN)Interchange Fees Internal Security Assessor (ISA)Intrusion Detection System (IDS)Invisible Payments Invoice Factoring IPsec (Internet Protocol Security)IVR Payment JCB Key Management Know Your Customer (KYC)Luhn Algorithm Machine Learning Fraud Detection Magnetic Stripe Mastercard Merchant Account Merchant Category Code (MCC)Merchant Discount Rate (MDR)Merchant ID (MID)Merchant Payment Merchant Reference Number Mobile NFC Payments MOTO (Mail Order / Telephone Order)Multi-Factor Authentication (MFA)NACHA Net Promoter Score (NPS)Network Segmentation Network Token Omnichannel Payments Open Banking Open Banking API Open Banking Payments PAN (Primary Account Number)Partial Refund Pause and Resume Payment Aggregator Payment Automation Payment Card Industry (PCI)Payment Compliance Payment Experience Payment Facilitator (PayFac)Payment Gateway Payment Gateway API Payment Integration Payment Link Payment Orchestration Payment Processor Payment Reconciliation Payment Reference Payment Reminder Payment SDK Payment Security Standards Payment Service Provider (PSP)Payment Services Directive Payment Tokenisation Service PCI DSS PCI DSS Compliance PCI DSS Levels PCI DSS Non-Compliance PCI DSS Scope PCI DSS v4.0 PCI DSS v4.0.1 PCI SSC Peer-to-Peer Payments (P2P)Penetration Testing Point-to-Point Encryption (P2PE)Pre-Authorisation PSD2 PSTN Pull Payment QR Code Payments Qualified Security Assessor (QSA)Quality Monitoring Recurring Billing Refund Regulation E Report on Compliance (ROC)Representment Retry Logic Revenue Recovery Risk Scoring RTP Samsung Pay Sanctions Screening SAQ (Self-Assessment Questionnaire)Secure Remote Commerce (SRC)Secure Telephone Payments Sensitive Authentication Data (SAD)Sentiment Analysis Session Border Controller (SBC)Session Initiation Protocol (SIP)Settlement SIP Trunking Smart Routing SOC 2 Soft Decline Speech Analytics Standing Order STIR/SHAKEN Strong Customer Authentication (SCA)Subscription Management TCPA Telephone Payment Solutions Tokenization UCaaS Variable Recurring Payment (VRP)Velocity Checks Verified by Visa (VbV)Virtual Terminal Visa Voice Commerce Void Transaction VoIP Vulnerability Scanning Webhook WebRTC Workforce Management

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