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The First Data TransArmor® solution fundamentally changes the way merchants secure and manage card-holder data. The powerful combination of First Data’s best-in-class payments technology, RSA’s best-in-class security technology, and VeriFone’s best-in-class terminal technology protect data at every processing stage and is complimentary to Card Authentication technologies like EMV. TransArmor protects consumer payment card data with encryption and then replaces it with a token number that preserves the value of card data for merchant business operations but removes all value for fraudsters. This multi-level defense moves the burden of protecting payment card data from the merchant to First Data. Payment card information is removed from the merchant completely by replacing the Primary Account Number (PAN) with a ‘Token’, reducing PCI scope yet the business benefits of storing the payment card data is maintained without the associated risk.