[closewith]

Do you have a source for this?

The EMV spec doesn’t include encryption of any data sent to the terminal from the card.

The transaction cryptogram is signed, however.

[charles_kaw]

The terminals themselves use mtls to communicate and wrap the payload , wasn't referring to the payload itself.

[closewith]

That seems like a walkback? You said:

> However, the card terminal does not see unencrypted payment data.

The card terminal does see unencrypted payment data. Hard to see your comment as ambiguous?