The continuous evolution of payment security strategies aims at enhancing the protection of cardholder data and reducing the PCI scope for merchants. This panel discussion seeks to illuminate the spectrum of solutions that effectively minimize merchant exposure to cardholder data, including the established point-to-point encryption (P2PE), innovative end-to-end encryption (E2EE) solutions, and models where solution providers act as merchants. Featuring insights from a solution provider (Toast), an experienced merchant (Target), and QSAC (HALOCK Security Labs), the session will provide a holistic view of the technologies and methodologies that can lead to a significant reduction in PCI scope while maintaining or enhancing security measures.