What type of merchant does SAQ B-IP target?

SAQ B-IP is specifically tailored for merchants who process payments using standalone PTS (PIN Transaction Security)-approved devices that have an Internet Protocol (IP) connection. This category applies to those merchants who do not store, process, or transmit cardholder data on their systems but instead rely on these specialized devices that are secured and adhere to the PCI DSS requirements.

This type of setup ensures that sensitive payment information is handled securely, minimizing the risk of data breaches. Therefore, this answer aligns perfectly with the focus of SAQ B-IP, which emphasizes these particular payment methods.

The other choices mention scenarios or payment methods that do not fit within the specific criteria of SAQ B-IP. For instance, while mobile wallets are popular, they involve different security considerations and are addressed under different SAQ setups. Merchants with physical retail locations may encompass a broader spectrum than just those utilizing standalone devices, and those who rely on third-party payment processors have distinct compliance pathways that also do not pertain to SAQ B-IP.