SEPN - Secure Electronic Payments

Worldline connects to the Secure EFTPOS Network (SEPN ) - the world’s first SCION network for secure cashless payments

A new secure network for cashless payments, SEPN is based on SCION technology, developed at ETH Zurich, and enables authorized participants to transmit transaction data in a reliable, secure, and Internet-independent manner.

Cashless payment security is becoming increasingly important for merchants, banks, and partners worldwide, while the requirements are rising due to cyberattacks, DDoS attacks, outages of external providers, or regulatory-compliant demands, it requires robust and well-protected networks. With the Secure EFTPOS Network (SEPN), Worldline is setting a new standard: the first provider in Switzerland and worldwide to deploy a network based on SCION technology.

The network protects merchants and financial institutions against cyber risks and ensures stable and regulatory-compliant payment flows.

Deep dive into SCION, SEPN & Worldline setup

Full summary of all the basics

SEPN Benefits

1. Protected Data Exchange: SEPN allows a precisely defined group of users to exchange data with each other in a controlled manner and separately from the internet.
2. Resilient Data Traffic: The collaboration with multiple SEPN communication providers ensures redundant connections among all the connected parties. The temporary loss of one provider can be compensated for within seconds, normally without any disruption to the application session.
3. Controlled Access: Certificates emitted by the SEPN regulation body ensure controlled access to the network. Services providers need to undergo a security audit to testify their certificate.

How does SEPN Work

The minimum requirements for using SEPN are:

1. A SCION infrastructure, physical network router installed on premise.
2. A connection to a SEPN Core approved provider.
3. The SEPN certificate.

Notes:

• Setting up and operating a SCION & SEPN infrastructure requires network specialists & knowhow, hence all providers offer managed services.
• The SEPN Certification is issued by the SEPN Association and is bound by eligibility conditions.
• Currently no gateway model exists in the SEPN eco-system.

#	What needs to be done?	Who can offer support?
1.	Analyze the existing connectivity. Define the Services to be provided or consumed. Define the SEPN connectivity configuration.	SEPN connections Providers SEPN Service Providers
2.	Obtain and install the SCION connection(s)	SEPN connections Providers
3.	Apply the SEPN certificate	SEPN certificates Providers
4.	Install the SEPN certificate Test the SEPN connection	SEPN connections Providers
5.	Adjust the service’s target addresses and performing connection tests to the test services. Note: This may require coordination between both parties (users, providers)	SEPN Service Providers
6.	Adjust the service’s target addresses and performing connection tests to the productive services. Note: This may require coordination between both parties (users, providers)	SEPN Service Providers

How Worldline Supports You

As a leading payment partner, Worldline helps meet todays and tomorrow’s cashless payment needs with innovative solutions.

Contact us now to see how we can support you with a cyber resilience, flexible and stable connectivity to use cashless payment services.