Systems and methods for point-to-point encryption compliance are disclosed. In one embodiment, in a point of interaction device comprising at least one computer processor, a method for point-to-point encryption compliance may include: (1) receiving card data from a card reading device; (2) determining an error with the card data; (3) generating substitute data by replacing at least a portion of the card data with substitute data; and (4) communicating the substitute data to a payment server. The card data may be received from a magnetic stripe reader, from an EMV card reader, or from a contactless card reader. The error may include comprises the card data not being compliant with ISO-7813.