PAYMENT GATEWAY

PCI DSS Level 1 Payment Gateway

Enterprise-grade gateway infrastructure with tokenization, 3DS2 authentication, smart routing, and a built-in virtual terminal — engineered for high-risk transaction volumes.

Why It Matters

Why Your Gateway Infrastructure Matters

Security & Compliance

PCI DSS Level 1 certification is the highest standard for payment security. Your gateway must protect cardholder data at rest and in transit — non-compliance exposes you to catastrophic fines and liability.

3DS2 for Chargeback Defense

3D Secure 2 authentication shifts liability for qualifying transactions from the merchant to the issuing bank. For high-risk verticals, 3DS2 enforcement is the single most impactful lever for reducing chargebacks.

Intelligent Routing

Smart routing sends transactions to the highest-approval-probability acquirer based on card BIN, geography, amount, and real-time decline data — maximizing your approval rate automatically.

Reliability at Scale

A gateway downtime event can cost thousands of dollars per minute in lost revenue. Enterprise infrastructure with 99.9%+ uptime SLAs is non-negotiable for high-volume merchants.

How It Works

From Application to Live Processing

01

Choose Your Integration Path

Connect via REST API, hosted payment pages, or virtual terminal. Our API supports JSON and is documented with SDKs for major platforms.

02

Configure Routing & Fraud Rules

Work with your account manager to configure smart routing logic, 3DS2 enforcement rules, and fraud scoring thresholds based on your transaction profile.

03

Test & Go Live

Run test transactions in sandbox mode, verify your descriptor settings, then switch to production. Average time from API credentials to first live transaction: 3–5 business days.

What's Included

PCI DSS Level 1 Tokenization

Cardholder data is immediately tokenized on entry — your servers never handle raw card numbers.

3DS2 Authentication

Full 3D Secure 2 support with liability shift for qualifying transactions. Configurable by card type and transaction amount.

Smart Routing

Automatically route to the highest-approval acquirer based on BIN data, geography, amount, and real-time approval intelligence.

Virtual Terminal

Accept card-not-present payments manually via a secure browser-based terminal — for phone orders, MOTO transactions, and back-office billing.

Recurring Billing Engine

Built-in subscription management with tokenized card storage, retry logic, and auto-updater support.

Real-Time Fraud Scoring

Device fingerprinting, velocity checks, IP geolocation, and BIN risk scoring applied to every transaction.

Compatible Integrations

Availability varies by acquiring configuration — your account manager will confirm during onboarding.

NMIAuthorize.netUSAePayBoazPay REST APIHosted Payment PagesWebhook NotificationsShopify (via approved gateway)WooCommerceBigCommerce

Frequently Asked Questions

Ready to Get Started?

No application fee · No setup fee · Decisions in 48–72 hours

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