Glossary
A
Agent Experience
Agent experience refers to the overall quality of tools, processes, and working conditions that contact center representatives...
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Agent-Assisted Payments
Agent-assisted payments are secure payment transactions where a customer service representative helps facilitate a payment…
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AI Bot-Based Payments
AI bot-based payments refer to transactions facilitated by automated bots that use artificial intelligence to process…
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AI Chat Bot
An AI chat bot is an intelligent software application that uses artificial intelligence to simulate human conversation…
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Attestation of Compliance
Attestation of Compliance (AOC) is an official document that validates an organization has completed its PCI DSS…
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Automated Payments
Automated payments are transactions that occur without manual intervention, triggered by predefined schedules, events, or...
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Automatic Speech Recognition
Automatic speech recognition (ASR) is a technology that converts spoken language into text, enabling telephone payment…
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C
Card-Not-Present
Card-not-present (CNP) transactions are payment transactions where the physical payment card is not available for inspection…
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Cardholder Data
Cardholder data refers to any information associated with a payment card that can identify the cardholder or facilitate…
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Cardholder Data Environment
The cardholder data environment (CDE) encompasses all systems, networks, people, and processes that store, process, or transmit...
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Click-to-Pay
Click-to-pay is a PCI Pal product that enables businesses to collect customer payments across multiple communication channels…
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Conversational AI
Conversational AI refers to artificial intelligence technologies that enable computers to understand, process, and respond...
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D
De-risking
De-risking in payment security refers to strategies and technologies that minimize an organization’s exposure to data breaches...
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Digital Payment Links
Digital payment links are secure, unique URLs sent to customers via email, SMS, or messaging platforms that direct them to a hosted…
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Digital Wallets
Digital wallets are electronic applications that securely store payment card information, bank account details, and...
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DTMF Masking
DTMF masking (Dual-Tone Multi-Frequency masking) is a security technology that prevents payment card details entered via…
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DTMF Tones
DTMF tones (Dual-Tone Multi-Frequency tones) are the sounds generated when someone presses keys on a telephone keypad...
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I
IVR Payments
IVR payments (Interactive Voice Response payments) are automated payment transactions processed through…
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K
Key-to-Pay
PCI Pal’s Key-to-Pay solution is a secure payment method that allows customers to enter their card details using their...
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O
Omnichannel Payments
Omnichannel payments are integrated payment processing capabilities that provide customers with consistent, secure…
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P
PA DSS
PA DSS (Payment Application Data Security Standard) was a set of security requirements for software vendors and developers of...
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Payment Gateway
A payment gateway is a technology service that securely transmits payment information between a merchant's system and…
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Payment Processor
A payment processor is a company that facilitates payment transactions by handling the technical and operational...
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Payment Service Provider
A payment service provider (PSP), also called a payment services provider, is a company that enables merchants and businesses...
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PCI De-scoping
PCI de-scoping is the process of removing systems, networks, or processes from the scope of PCI DSS compliance requirements…
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PCI DSS Compliance
PCI DSS compliance (Payment Card Industry Data Security Standard compliance) refers to meeting the security…
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PCI DSS Level 1 Service Provider
A PCI DSS Level 1 service provider is an organization that stores, processes, or transmits cardholder data on behalf of other...
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PCI DSS Scope
PCI DSS scope refers to the systems, networks, people, and processes that must comply with Payment Card Industry Data…
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PCI SSC
PCI SSC (Payment Card Industry Security Standards Council) is the global organization responsible for developing, managing…
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PSD2
PSD2 (Payment Services Directive 2) is a European Union regulation that governs payment services and payment service...
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S
Sensitive Authentication Data
Sensitive authentication data (SAD) refers to security-related information used to authenticate cardholders and authorize...
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Strong Customer Authentication
Strong Customer Authentication (SCA) is a security requirement under the European Union’s PSD2 regulation that mandates...
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T
Telephone Order Payments
Telephone order payments are transactions where customers provide payment card details verbally over the phone...
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V
Visual IVR
Visual IVR is an interactive mobile technology that transforms traditional voice-based phone menus into visual, touch-based....
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Voice Payments
Voice payments are transactions initiated and authorized through spoken commands using voice recognition technology and voice...
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