Point-to-point encryption (P2PE) is a standard established by the PCI Security Standards Council. Payment solutions which offer similar encryption but do not meet the P2Pe standard are referred to as end-to-end encryption (E2Ee) solutions. The objective of P2Pe and E2Ee is to provide a payment security solution that instantaneously converts confidential payment card (credit and debit card) data and information into indecipherable code at the time the card is swiped to prevent hacking and fraud. It is designed to maximize the security of payment card transactions in an increasingly complex regulatory environment.

P2Pe significantly reduces the risk of payment card fraud by instantaneously encrypting confidential cardholder data at the moment a payment card is swiped at the card reading device (payment terminal) or POI.