2. The EMV mandate requires that
businesses accept EMV chip card
payments or face liability for counterfeit
credit card fraud. Businesses that accept
payments with either a standalone
payment terminal or via a payment device
integrated with a software application must
upgrade, or face liability and miss out on
new payment types.
3. Traditional integrated solutions are a
challenge for software developers
LEGEND
EMV Scope
PCI PA-DSS Scope
PCI DSS Scope
Point of Sale Environment Merchant Back Office Transaction Processing
Groovv Terminal POS Software Internal Server Gateway, Switch
or Acquirer
4. Simplify EMV migration and PCI scope with our Groovv
Semi-Integrated solution
Traditional integrated solutions are a
challenge for software developers
In a traditional integrated environment, a physical
connection is maintained between the software or POS
app and the payment terminal. This model requires
sensitive cardholder data to be transmitted to the
software or POS app and merchant back-office systems
before reaching the payment gateway. Because payment
data is transmitted to the software or POS app, EMV and
PCI requirements are “in scope” for the developer.
5. The Groovv semi-integrated solution secures
and streamlines data transmission
LEGEND
EMV Scope
PCI DSS Scope
Authorization Path
Response Path
Groovv Terminal POS Software Internal Server Gateway, Switch
or Acquirer
Merchant Back Office Transaction ProcessingPoint of Sale Environment
6. The Groovv semi-integrated solution secures
and streamlines data transmission
Groovv has developed an innovative solution that routes
sensitive cardholder data directly to the payment gateway
and non-sensitive customer information to the POS and
merchant back office. Sensitive card data is encrypted and
routed directly to the payment host or gateway, thereby
keeping EMV and PCI “out of scope.” The semi-integrated
environment ensures that all of these systems work
together seamlessly, while isolating, securing, and
streamlining the path of sensitive cardholder data.
7. Three benefits in a single solution
Remove compliance burden
Easy-integration API
Support new ways to pay
8. Time to rethink the traditional
payment architecture
Not only does the mandate create a change for the
businesses that accept payments, but it also has
significant implications for software and app developers
that provide point of sale solutions. Integrating a
compliant EMV payment device with a software
application can be a long and expensive undertaking
due to stringent EMV and PCI requirements.
9. Groovv reduces the compliance burden for
software developers
While it’s no small task to understand and comply with all
these requirements and new ways to pay, the Groovv
semi-integrated API solution can lighten the load. Groovv
moves EMV and PCI compliance out of scope for software
applications by encrypting sensitive cardholder data at
the terminal, so it is never transmitted to the software or
app. This ensures that the POS receives only the
non-sensitive data it needs to do its job.
10. It’s easy for software developers to
integrate Groovv API
Groovv API is easy to implement, which means that
software developers can spend less time worrying about
the nuts and bolts of processing payments and more time
on game-changing, business-growing software features.
11. The Groovv semi-integrated
solution environment:
• Removes the need for software to go through
the costly and time-consuming EMV
certification process
• Removes the need for the software developer
to comply with PCI data breach and other
enhanced security standards
