Certified PIN Security Auditors (CTGA)
Improve Your PIN Debit Security and Compliance

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Financial Institutions
ISO's / ESO's
Multi-Lane Retailers
Regulators now require you to meet the FFIEC Cybersecurity risk controls for the ATM delivery channel. This includes completing the industry standard ANSI X9 TR-39.  Most EFT networks require their members to meet the TR-39 control standards as well. Learn More
Secure handling of all cryptographic materials is crucial to ISO's and ESO's to reduce the risk of financial and reputational loss.  Most sponsoring banks require the completion of a TR-39. Learn More
Online PIN debit is preferred by 48% of consumer's, has a higher growth rate than signature debit, and a lower fraud rate.  Multi-lane retailers with a pro-security stance use the TR-39 to confirm effective encryption controls. Learn More

Bankcard Compliance Group  (BCG) was founded in 2003 to provide banks, credit unions, merchant service providers, and retailers with professional and affordable TR-39 and PCI PIN audit services. The purpose of these audits is to ensure proper application of encryption control objectives to protect a consumer's secret PIN from the time it is entered at an ATM or POS device until it reaches the authorizing financial institution.
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