Sarang S Babu
Writer, Payment Security & Encryption
Sarang S Babu covers the technical side of payment security for paymentsecuritypros.com.
He explains how card data is protected at each step, including card-on-file and network tokenization, encryption, point-to-point encryption (P2PE), hardware security modules, key management and TLS, and what each one means for a merchant’s PCI DSS scope.
On the card-present side he covers EMV chip and contactless payments, PIN security, POS terminal tampering and newer attacks on contactless payments. He reviews the site’s PCI DSS guides for technical accuracy.
Areas of expertise
- Card-on-file and network tokenization
- Encryption, P2PE and HSMs
- Key management and TLS
- EMV chip and contactless security
- POS terminal security
Writes about
Reviews
Recent guides by Sarang S Babu
- 5 Payment Gateways for Secure Saved Card Payments in India (2026): Tokenisation Compared
- Network Tokens vs. PCI Tokens: What Every Merchant Should Understand
- Point-to-Point Encryption (P2PE): How Validated Solutions Shrink PCI Scope
- Payment HSMs Explained: The Hardware Guarding Every PIN and Key
- Ghost Tap and NFC Relay: The New Face of Contactless Fraud
- How EMV Chip Cards Actually Stop Counterfeit Fraud
How we work
Every article on this site has a named author and a second reviewer, cites primary sources, and shows when it was last checked. Read our editorial policy or meet the rest of the team.
Contact: sarang@paymentsecuritypros.com