Alternatives to FIS Tokenization

The Visa Token Service is designed to facilitate the creation and maintenance of digital payment experiences while ensuring the protection of consumers' sensitive data from fraudulent activities. As the demand for mobile payment options grows among consumers, Visa Token Service offers three vital resources to help businesses satisfy this need. Visa provides comprehensive standards, specifications, and development tools, along with ready-to-use mobile solutions, enabling partners to create and implement their own tokenized applications for cardholders. By collaborating with us, you can develop your own mobile payment application utilizing the Visa Token Service SDK, which allows for direct integration with token management systems. As contactless mobile transactions pave the way for a new era of digital payments, Visa Token Service simplifies and secures this process. Leveraging Near Field Communication (NFC) technology and Visa PayWave, making secure purchases becomes as effortless as a mere wave of the hand. This innovation allows for seamless and convenient purchases on the go, particularly with compatible iOS devices, enhancing the overall consumer experience in the digital payments landscape. Embrace the future of transactions with confidence and ease.

Implement tokenization for primary account numbers (PAN) and related personally identifiable information (PII) or protected health information (PHI) to ensure adherence to regulations that govern the management of sensitive data. This strategy allows for a reduction in PCI DSS scope across various channels and with trusted third-party partners. By employing tokenization at the point of data entry, your organization can adapt to the ever-changing landscape of security requirements. The ShieldConex platform offers a vaultless and format-preserving tokenization solution for each data component, including critical payment information such as credit or debit card PAN, expiration date, CVV, and cardholder name. This approach helps to unify the payment experience not only across different businesses but also across various locations and channels, encompassing mobile, online, and in-store transactions. Embracing such a comprehensive strategy enhances both security and customer trust in your services.

MACCS© provides Federal agencies and companies with the capability to oversee and monitor all credit card expenditures, generate accounting obligation entries during cardholder authorization or entry, and import card transactions received electronically or through diskette from the credit card processing facility while ensuring those transactions are reconciled with the cardholder's records. Additionally, MACCS© effectively manages disputes related to card transactions, facilitates credit tracking and processing, creates disbursement accounting entries from reconciled records that have been approved for payment, and can seamlessly integrate these transactions into the current enterprise accounting system for efficient processing. This comprehensive tool streamlines financial oversight and enhances the accuracy of financial records.

Introduce an all-encompassing pay card initiative that completely removes the need for paper checks, lowers expenses, and enhances operational efficiency. Our customer service, which caters to both partners and cardholders, stands out as our primary competitive advantage, as highlighted by feedback from our clients. We also offer compliance support through our unique tools, featuring a compliance map designed to assist users. The PayCard program comes with zero fees for card inventory, no charges for training, and no costs associated with implementation. An automated inventory system manages card stock across multiple locations effectively. Our advanced security measures eliminate the requirement for costly security tokens, while our fraud protection employs a sophisticated neural network that adapts to the cardholder's spending habits, rather than relying on basic geographic transaction systems. Additionally, our APIs facilitate smooth integration with any payroll software or provider that supports API connectivity. Furthermore, we enable near real-time payment processing at gas stations without requiring pre-authorization holds, streamlining the overall user experience. This combination of features not only simplifies transactions but also builds trust and security for all users involved.

Enhance customer security, decrease compliance challenges, and maintain the agility and autonomy needed to run your business effectively by utilizing single- and multi-use tokens offered by ACI. ACI’s omni-tokens are versatile, working seamlessly across various channels and accommodating both card and alternative payment methods. These omni-tokens effortlessly connect customers to their tokenized payment options while safeguarding their sensitive personal information. Tokenization represents a crucial component of data security, and it is complemented by point-to-point encryption (P2PE), which secures sensitive cardholder data at the terminal level. Cybercriminals often target payment information as it moves from the payment terminal to the processor, making this protection essential. By integrating tokenization with P2PE, you can ensure comprehensive security for customer data at every interaction point, creating a robust defense against potential breaches. This dual approach not only enhances security but also builds trust with your customers, ultimately benefiting your business's reputation.

Personalize your card designs and decide whether you prefer hard-coded cards or those that connect. You can manage cardholders remotely by adding, removing, or editing their details, while also allowing multiple admins within your organization to handle bulk management tasks efficiently. This setup is particularly beneficial for businesses with distinct departments. Gain access to scan analytics, share profile images, and retrieve individuals' information through Doorway's connected cards. Seamlessly integrate HR management software, utilize single sign-on (SSO) for logins, create a custom-branded domain, and explore Doorway’s in-depth information security documentation. By subscribing to Doorway's professional, business, or enterprise tiers, you contribute to our monthly tree-planting initiative, reflecting our commitment to sustainability. Protecting your information security and privacy remains our top priority, bolstered by best-in-class practices and policies confirmed by our compliance auditor, EY. Tailor your organization's cards completely, with the flexibility to modify the design whenever needed. Each cardholder will receive an email containing a link to conveniently save Doorway in their digital wallet, ensuring easy access at all times. Moreover, we strive to keep our users informed about the latest security measures and enhancements.

CipherTrust Tokenization significantly lessens the expenses and labor involved in adhering to security policies and regulatory requirements such as PCI DSS, while also providing an easy way to safeguard other sensitive information like personally identifiable information (PII). Although there are no universally accepted tokenization standards in the market, the majority of tokenization solutions can be categorized into two main architectures: vaultless and vaulted tokenization, both of which effectively secure and anonymize sensitive data assets. Tokenization software can be deployed in various environments, including data centers, big data setups, or cloud platforms. By utilizing tokenization, organizations can effectively eliminate cardholder data from PCI DSS scope with minimal investment and effort, leading to significant savings on compliance-related expenses. In today's modern IT frameworks, it is crucial to manage and protect PII securely. With CipherTrust tokenization, organizations can ensure the protection of PII without the complexities of encryption key management that typically burden software developers, thus streamlining data security processes. This innovative approach not only simplifies compliance but also enhances overall data governance strategies.

Bento provides two excellent card solutions that empower you with complete control and flexibility to generate and utilize virtual cards tailored to your specific business requirements. The Spend Limit virtual cards are ideal for routine transactions, making them a suitable choice as the primary card for managing daily business expenditures, particularly for those that necessitate receipt submissions from cardholders. These cards can be created effortlessly and are activated immediately, allowing users to enable or disable them in real-time. With a range of customized controls at your disposal, you can dictate how and where your business funds are allocated. On the other hand, Fixed Value virtual cards are advantageous for one-off payment needs or designated purposes, such as vendor payments or employee benefits like per diems, making them perfect for expenses that do not require receipt submissions. This dual offering ensures that businesses can effectively manage their spending while maintaining oversight and security.

Dynamic currency conversion allows international clients to opt for payments in their native currency, presenting a clear view of the exchange rate and associated margins, thus offering them instant conversion into a familiar denomination. This not only increases your revenue but also enhances the overall experience for your clientele. Fexco's DCC can be effortlessly integrated with Point of Sale (POS) systems, ensuring a smooth payment process in the existing card framework. Furthermore, Fexco's DCC eCommerce solution automatically identifies eligible cards, giving cardholders the option to transact in their home currency. In addition, Fexco's DCC offering for ATMs facilitates international cardholders to withdraw cash in their native currency conveniently. As a global frontrunner in dynamic currency conversion, Fexco collaborates with 60 multi-currency enabled acquiring banks to provide proactive and transparent solutions. Fexco’s extensive range of products is pre-integrated with top-tier payment solution providers (PSPs), ensuring a seamless experience across various platforms. This comprehensive approach not only simplifies transactions but also empowers businesses to cater effectively to a diverse clientele.

Enigma Vault serves as your easy solution for payment card data and file tokenization and encryption, boasting PCI level 1 compliance and ISO 27001 certification. Handling the encryption and tokenization of data at the field level can be incredibly challenging, but Enigma Vault simplifies this process significantly. By effectively managing the heavy lifting, it allows you to transform an extensive and expensive PCI audit into a straightforward SAQ. By utilizing token storage instead of keeping sensitive card data, your security risks and PCI scope are substantially reduced. With the implementation of cutting-edge technologies, searching through millions of encrypted entries is accomplished in mere milliseconds. Our fully managed service is designed to grow alongside your requirements, ensuring that Enigma Vault accommodates data of all types and sizes seamlessly. You receive authentic field-level protection, as it enables you to substitute sensitive information with a token. Enigma Vault not only provides a range of services but also alleviates the burdens associated with cryptography and PCI compliance. You can finally put aside the hassle of managing and rotating private keys while avoiding the complications of intricate cryptographic processes, allowing you to focus on your core business operations.

Paysley allows customers to send secure payments to you via text messaging, picture messaging and email. Customers can also access any custom payment page from their mobile devices by scanning a QR code that can be displayed anywhere. To make a payment, your customers don't need to download an application or register. Paysley is the easiest and most convenient way to make payments. No special devices or card readers are required. Cardholders can make payments using their mobile devices. There is no customer app download, account registration, password, or login. No redirect to a service provider's website. Paysley is a direct tokenized payment option. You don't need to ask for customer's card information ever again. Paysley is secure, and your business will be PCI compliant. Your Paysley Portal allows you to upload and manage customer information. Your customer database doesn't just contain contact information.

Card Recon by Ground Labs, the preferred cardholder data discovery tool for more than 300 PCI Qualified Secure Assessors (QSAs), and PCI Forensic Investigators(PFI), is Card Recon by Ground Labs. Card Recon is trusted across 80 countries by over 4,500 merchants as their preferred credit card data discover tool. Ground Labs offers two industry-leading credit cards scanning solutions that will suit the needs of small to medium businesses: Card Recon Server or Card Recon Desktop. Card Recon searches files and memory, and even delete locations on workstations or file servers (Card Recon Server) while inspecting hundreds upon file types to detect credit card numbers issued from the 10 major payment card companies. Card Recon's custom-built PCI compliance data detection capabilities scan for credit cards numbers from the major card brands and can identify 160+ primary account numbers (PAN) structures around the globe.

Founded in 2017 and located in Waltham, Massachusetts, ID123 is a company that specializes in digital identity solutions. Their all-encompassing platform features a web-based ID Management System (IDMS) alongside a mobile ID application, which empowers organizations to create, distribute, and manage digital ID cards remotely. The IDMS offers administrators the capability to design personalized card layouts, import and modify cardholder information, and send IDs via email, simplifying the ID management process. Users can conveniently keep several digital ID cards on their smartphones through the ID123 app, which functions without an internet connection and includes robust security features to safeguard personal data and thwart fraudulent activities. This application also allows for in-app photo uploads, sends push notifications, manages ID expiration automatically, and supports single sign-on, all of which enhance both user experience and institutional oversight. ID123's innovative solutions are tailored to serve a diverse range of sectors, including education, corporate environments, and membership-based organizations. By prioritizing user security and administrative efficiency, ID123 continues to redefine how digital identities are managed in today's increasingly digital world.

Our objective is to guarantee that today's financial institutions continue to be the primary providers of financial services for the generations to come. To achieve this, we have developed an innovative platform that eliminates all restrictions associated with traditional bank-issued payment cards. Chances are, our solutions are already integrated with your current financial services processor and provider, making them accessible for your cards right now. The fintech switch enables seamless connection to your card's real-time authorization flow, allowing us to deliver services, features, data, and communication that significantly elevate the cardholder experience. As a result, cardholders can select the features and services that best suit their needs and effortlessly add desired functionalities to the cards they already own. Additionally, IncumbentFI's SaaS platform is seamlessly incorporated into your institution's existing debit card processor and core banking technology, removing the necessity for expensive and lengthy technological upgrades. This not only streamlines the integration process but also enhances overall operational efficiency.

UnionPay International (UPI), a branch of China UnionPay, is dedicated to the expansion and enhancement of UnionPay's international operations. Collaborating with over 2,400 institutions globally, UPI has facilitated card acceptance across 180 countries and regions while issuing cards in 70 locations. This organization offers high-quality, efficient, and secure cross-border payment solutions to cater to the world's largest cardholder demographic, providing accessible local services to an increasing number of UnionPay cardholders and merchants worldwide. Currently, more than 10 million online retailers abroad accept UnionPay Online Payment, spanning 200 countries and regions, including places like Hong Kong, Macau, Europe, the United States, Japan, and South Korea, and covering diverse sectors such as retail, online travel bookings, tuition payments, and airline reservations. The system is meticulously designed to prioritize the security of cross-border online transactions, ensuring peace of mind for users. With its growing network and commitment to safety, UnionPay continues to strengthen its presence in the global payment landscape.

ChargebackHelp offers merchants comprehensive protection against various types of disputes, including fraud and friendly fraud. The CBH+ service enhances your transaction data by integrating it with powerful tools designed to prevent disputes, effectively manage chargebacks, and reclaim lost revenue from friendly fraud. With ChargebackHelp, merchants can reduce the number of disputes and recover funds that may have otherwise been lost to fraudulent activities. Our platform streamlines the entire dispute process through a user-friendly interface that allows you to track all disputes and gain clear insights into the financial impact. By utilizing our services, you can decrease chargebacks by as much as 40% and increase your success rate in dispute representment. Protect your hard-earned revenue with ChargebackHelp's solutions. Additionally, the CBH+DEFLECT feature expands a merchant's ability to intervene at the moment a cardholder inquires about a dispute, facilitating real-time access to transaction data for both the cardholder and their bank. This proactive approach ensures that your company information is readily available to deter potential disputes before they occur.

Verifi stands out as a forward-thinking and trustworthy collaborator, committed to developing straightforward solutions that provide significant benefits for modern sellers, issuers, and acquirers alike. We collaborate closely with our partners to deliver adaptable solutions tailored to your business's specific requirements. Sellers can efficiently manage refunds and cancellations for both legitimate transactions and confirmed fraudulent cases, thus circumventing potential disputes. Our skilled team at Verifi expertly navigates all aspects of dispute management to enhance success rates and reclaim revenue lost through disputes. Cardholders are empowered to access detailed seller and transaction information to verify their purchases. By enriching the cardholder experience with comprehensive information available in online and mobile banking, we facilitate a smoother process. Additionally, our automated system ensures real-time resolutions for pre-disputes based on parameters set by sellers, further enhancing the cardholder journey with swift and conclusive outcomes. Issuers who are already directing dispute traffic are seamlessly connected to sellers around the globe, fostering a more efficient ecosystem. As we continue to innovate, our focus remains on creating value and improving the interactions between all parties involved.

A comprehensive software solution designed to streamline the management of credit and debit card operations is beneficial for issuers, cardholders, and businesses alike. With ease and speed, users can tailor and automate the oversight of credit, debt, and prepaid cards to fit their institutional needs. The system incorporates a robust transactional engine that facilitates credit card authorizations on a global scale. Enhance your institution's security with advanced technological offerings, including loss prevention measures for both open and closed credit card transactions. Additionally, businesses can manage payments with the assurance of international security standards and transactional certifications. The platform allows for the rapid development of new products and payment services, enabling thorough analysis of business operations and revenue opportunities. This integrated approach not only simplifies processes but also empowers institutions to adapt quickly to market changes and customer demands.

Are you trying to start accepting credit card payments on the internet or are you currently processing payments but seeking a new partner? Regardless of your situation, North American Bancard is ready to assist you. We understand that having the ability to accept online payments has transitioned from being a luxury to an essential requirement, and we aim to make the process as straightforward and cost-effective as we can for you. You can utilize your current website to create a fully customizable checkout experience that reflects your brand, all while relieving yourself of the responsibility for sensitive cardholder information through our PCI Plus Program. Our ecommerce solutions provide integrated point of sale software designed for online credit card processing. We collaborate with the leading point of sale and shopping cart plug-ins available, ensuring that whatever your requirements may be, we can facilitate quick and efficient online payment processing tailored to your needs. With our dedicated support, your business can thrive in the digital marketplace.

Hoox serves as a dynamic customer activation platform tailored for financial service providers, enabling banks and card issuers to effectively connect with their clients to secure their place as the preferred payment option. By providing real-time, personalized incentives through partnering merchants, card issuers can successfully reduce cart abandonment rates and enhance conversion rates. The platform operates as a SaaS solution, empowering issuers to reach their customers beyond their immediate networks with dynamic and measurable incentives that truly deliver results. Additionally, Hoox supplies merchants with an embedded finance solution designed to engage consumers with externally funded personalized incentives, offering them a complimentary avenue for revenue enhancement, minimizing cart abandonment, lowering card processing fees, and facilitating seamless integration with various issuer partners and e-commerce platforms. Ultimately, Hoox enhances card usage by providing cardholders with tailored incentives in real-time during their shopping experiences, ensuring that both merchants and issuers benefit from increased customer engagement. This collaborative approach not only bolsters loyalty but also creates a win-win scenario for all parties involved.

TrueZero offers a vaultless data privacy API that substitutes sensitive personally identifiable information (PII) with tokens, enabling organizations to lessen the effects of data breaches, facilitate safer data sharing, and reduce compliance burdens. Our tokenization technology is utilized by top financial institutions. No matter where or how PII is utilized, TrueZero Tokenization effectively secures and replaces that information. This allows for more secure user authentication, information validation, and profile enhancement without disclosing sensitive data such as Social Security Numbers to partners, internal teams, or external services. By minimizing your environments that require compliance, TrueZero can significantly expedite your compliance timeline, potentially saving you millions in development or partnership expenses. With data breaches averaging $164 per compromised record, tokenizing PII is crucial for safeguarding your organization against penalties related to data loss and damage to your brand’s reputation. You can store tokens and perform analytics just as you would with unaltered data, ensuring both functionality and security. In today’s data-driven world, this approach not only enhances privacy but also fosters trust with clients and stakeholders alike.

Achieve readiness for an audit in under a day by utilizing Evervault to securely encrypt cardholder data. Evervault seamlessly integrates with various standard cardholder data processes, enabling you to gather PCI data in compliance for tasks such as processing, issuing, and storage. Typically, we will minimize your PCI scope down to the SAQ A control set, which represents the most streamlined set of PCI DSS requirements. Our team will collaborate with you to analyze your system architecture and offer tailored recommendations for incorporating Evervault, aiming to decrease your compliance obligations as much as possible. You will implement Evervault following one of our provided architecture templates, and we will thoroughly validate your integration to confirm it meets compliance standards. Additionally, we will supply you with a comprehensive bundle of PCI DSS policies and procedures, accompanied by our PCI DSS Attestation of Compliance (AoC). To further assist your efforts, we will connect you with an auditor experienced in Evervault’s architecture, ensuring a smooth audit process. This partnership not only simplifies compliance but also strengthens your overall data security framework.

Utilize SAP's card management application to handle various types of cards including credit, debit, and loyalty cards, managing all associated processes such as authorization, clearing, settling, and integration. This application empowers you to tailor products that cater specifically to your customers' needs while delivering services focused on results. You can define and bundle your own card products and expedite their market introduction by controlling the issuing process. Stay competitive by integrating innovative solutions like token services, virtual cards, and customizable wallet options. Enhance the customer journey by encouraging your cardholders to use their cards more actively and by exploring partnerships and co-branding possibilities. Leverage real-time card data to develop targeted campaigns, marketing strategies, and optimal offers for your clients. Additionally, strengthen your market presence by cultivating a loyal customer base through effective cross-selling initiatives, ensuring sustained growth in your business.

Customers today demand payment options that are both convenient and secure, which may seem straightforward, but why leave it to chance? With Elavon’s expertise in integrating cutting-edge technology, robust security measures, and adherence to PCI DSS standards, you can transform your payment processes into a source of customer delight rather than just satisfaction. Our eCommerce solutions are user-friendly and consistently secure, allowing you to rely on Elavon whether you need a basic payments page or a fully customized online store, tailored specifically to your business objectives. Join the myriad of businesses that trust Elavon for seamless and flexible payment solutions that facilitate transactions anytime and anywhere. Don’t let access to your earnings be delayed; experience rapid funding without any hidden fees. From individual entrepreneurs to multi-location operations and large corporations, our adaptable payment solutions are designed to grow alongside your business. You can be confident that your customers' cardholder information is safeguarded with the highest level of security through EMV authentication, encryption, and tokenization, ensuring peace of mind for you and your clients alike. In today’s fast-paced market, prioritize security and convenience with Elavon.

OmniToken employs cryptographic key management techniques that align with established industry standards like PCI DSS and PCI Point-to-Point Encryption (P2PE). By adhering to best practice security standards, it greatly mitigates the risks associated with card data theft. OmniToken operates seamlessly within both in-store and online payment environments. It integrates effortlessly with various Worldpay services, encompassing account updates, fraud prevention, recurring billing, and back-office operations. Additionally, OmniToken’s flexibility and compatibility with third-party service providers enable it to address the intricate requirements of your business effectively. This adaptability ensures that enterprises can maintain robust security while optimizing their payment processes.

The AuricVault® tokenization service protects your critical financial and personal information by securely storing that data and substituting it with a token. These tokens consist of random combinations of letters and numbers that bear no correlation to the actual stored data. Even if someone were to obtain all your tokens, they would still be unable to access any of your sensitive information. This process of tokenization achieves what is known as data separation, which ensures that no single entity possesses all the data at once. Auric's tokenization solution allows for granular permissions, enabling one or more authorized parties to access the sensitive tokenized information. Depending on your specific business model, implementing the AuricVault® tokenization service may also help to keep your systems and servers outside of PCI compliance requirements. By utilizing this service, we assist businesses in safeguarding billions of dollars and facilitating millions of transactions in a secure, efficient, and straightforward manner. Ultimately, our commitment is to bolster your security posture while simplifying the complexities of data management.

Forward-thinking enterprises optimize their operations and reduce expenses with our comprehensive card issuing and payment solutions. Whether you need to issue a handful of cards or tens of thousands, we ensure delivery directly to cardholders, your organization, or in a virtual format. You can manage your spending effortlessly through our intuitive card management system, allowing you to distribute funds wherever necessary. Enhance your experience by simplifying expense management, offering rewards and incentives, or making secure cash payouts via card. Our adaptable payment solution serves as an efficient and economical method for handling large volumes of both domestic and international transactions, featuring competitive foreign exchange rates and complete transparency with no hidden costs. We provide all the essential tools to oversee your business payments through one robust platform. Additionally, you can quickly launch your innovative payment or card initiatives with ease, leveraging our regulatory authorizations, scheme licenses, product knowledge, and strong industry collaborations. Experience the convenience of a streamlined process that empowers your business growth and financial management.

Make certain that your card issuing engine is designed to withstand future challenges. Deploy a diverse array of business models on a unified software platform, encompassing credit, debit, and prepaid cards, as well as fleet initiatives, virtual cards, loyalty programs, wallets, tokenization, and various corporate and family schemes, among others. Strive to deliver an exceptional experience for your cardholders, partners, and internal stakeholders by providing tailored services precisely when and where they are needed. Innovate by introducing new card products that achieve remarkable time-to-market alongside comprehensive functional capabilities. Minimize the need for manual interventions and lower administrative expenses by automating and optimizing workflows. Ensure rapid scalability in both volume and geographic reach. Enhance the profitability of conventional instruments with intelligent value-added services. Position your card as the preferred choice for third-party services within the open banking framework, leveraging your data-rich APIs. Depend on APIs and SDKs for seamless integration, both internally and externally, to foster collaboration and efficiency. This approach will not only future-proof your operations but also enable you to adapt swiftly to changing market conditions.

The most recent update to the Payment Card Industry Data Security Standard mandates the use of multi-factor authentication (MFA) for any administrative access to the cardholder data environment (CDE), even when accessed from a trusted network. Additionally, implementing MFA helps streamline adherence to privacy regulations such as HIPAA and GDPR. With Powertech Multi-Factor Authentication, organizations can deploy MFA throughout their systems, including on platforms like IBM i. The solution also features comprehensive auditing and reporting tools that facilitate easy compliance verification. Relying solely on passwords is insufficient in the face of contemporary security threats. Many attackers are skilled in acquiring login credentials, and approximately half of all users tend to reuse passwords. Given the increase in remote work and network access, the question arises: which organization can afford such a significant level of vulnerability? By introducing Powertech Multi-Factor Authentication, organizations can enhance their existing security measures, significantly mitigating the potential impact of compromised passwords while fostering a more secure digital environment. This added layer of protection is essential as cyber risks continue to evolve.

USPAY Gateway, as USPAY's exclusive payment processing solution, delivers dependable, safe, and cost-effective state-of-the-art services for integrated payment transactions. This comprehensive gateway supports nearly all forms of payment and ensures complete PCI compliance along with user-friendly features. Whether transactions occur in-store, over the phone, or online, USPAY Gateway efficiently manages and routes your payments across various devices and configurations, including point-of-sale systems and wireless technology. The security of cardholder information is crucial for every enterprise, which is why USPAY Gateway incorporates advanced data protection measures such as intrusion detection, file integrity systems, SSL encryption, and a continuously monitored network. With these robust security features, you can rest assured that you won’t face the financial repercussions of data breaches or non-compliance with Payment Card Industry Data Security Standards. Furthermore, the seamless integration and comprehensive support make USPAY Gateway an ideal choice for businesses seeking to enhance their payment processing capabilities.

CPI’s Card@Once provides a secure and cost-effective method for instantly producing magnetic stripe, EMV, and contactless debit and credit cards both in branches and on demand. This innovative solution enhances cardholder experiences by streamlining activation, reducing costs, and offering a simple way to replace lost or stolen cards. The implementation process is straightforward, requiring only a minimal initial investment, as CPI handles everything from setup to training and ongoing support. With Card@Once, the operation is user-friendly, needing just a power source and an internet connection without any IT management. It adheres to all security standards for EMV and dual-interface cards, with access safeguarded by a physical key and code, ensuring that no financial institution keys are stored on the device. By prioritizing security and compliance, Card@Once allows you to get started quickly and with ease. Discover how Card@Once distinguishes itself from traditional software purchase models, and enhance customer service by providing instantaneous card issuance. This efficiency not only improves customer satisfaction but also fosters loyalty and trust in your financial services.

Empowering financial institutions to cater to the evolving needs of modern consumers, equipifi’s customizable solution seamlessly integrates with banks and credit unions, allowing users to browse, accept, and oversee offers directly from their banking applications. By introducing buy now, pay later (BNPL) options, these institutions provide debit card users the ability to finance purchases in a manner that aligns with their personal financial objectives. This approach enhances transparency for consumers managing their BNPL loans, with pre-approved offers specifically designed to meet individual financial needs. Additionally, the platform broadens the range of eligible purchases for BNPL, ensuring an efficient and user-friendly experience all within one convenient interface. It serves as a comprehensive resource for consumers seeking flexible financing options for their everyday expenditures, appealing particularly to younger demographics who appreciate adaptable payment solutions. Furthermore, this innovation keeps cardholders engaged as they make routine purchases, while simultaneously opening up new avenues for financial institutions to increase transaction fees and interest revenue. Ultimately, equipifi not only simplifies the user experience but also positions banks and credit unions to thrive in a competitive landscape.

Rippleshot is a company focused on detecting and preventing fraud, utilizing advanced artificial intelligence and machine learning techniques to assist financial institutions in identifying and addressing card fraud proactively. Their main product, Sonar, processes millions of card transactions every day, helping to pinpoint compromised merchants and cards at risk, which allows for prompt and precise action against potential fraud cases. Furthermore, Rippleshot provides an AI-based tool that empowers financial institutions to develop effective fraud prevention rules without requiring extensive IT support. By implementing these innovative solutions, banks and credit unions can significantly lower fraud-related losses, avoid unnecessary card replacements, and improve the overall satisfaction of their cardholders. This company is reshaping the approach banks and credit unions take towards fraud detection through a cloud-driven technology that employs machine learning and data analysis, making it easier and faster to identify fraudulent activities. Their commitment to leveraging technology ensures that institutions stay ahead in the ongoing battle against fraud, reinforcing trust and security in financial transactions.

SmartSIP® is a software solution designed for on-premise use that offers DTMF suppression and masking, allowing contact centers to securely collect sensitive cardholder information during live calls. Customers can input their confidential data using their touch-tone phone while remaining connected to a contact center representative. Through DTMF suppression and masking, the tones generated by the customer are substituted with flat tones that cannot be reverted to their original forms. The agent's interface displays a masked version of the customer's input. By effectively removing the need for verbal communication of sensitive details, SmartSIP ensures that full call recordings and comprehensive screen captures are maintained. Acting as a SIP proxy between the Session Border Controller (SBC or Media Gateway) and the voice platform, SmartSIP processes the DTMF data without interfering with the audio connection. This innovative tool is specifically designed for VoIP telephony within contact centers, making it an essential asset for maintaining data security during customer interactions. Moreover, its implementation can significantly enhance compliance with various regulatory standards related to data protection.

Transform into your own gift card issuer through Datacap’s all-encompassing omnichannel gift card solution. You can sell, load, or redeem gift cards both online and in physical stores, ensuring a seamless experience across every channel. Every element of Datacap's gift platform can be white-labeled, including pre-branded gift cards and a detailed reporting dashboard. Merchants and solution providers benefit from real-time reporting that is accessible around the clock. By leveraging Datacap's Reportal or API, you can monitor all gift transactions as they occur. Additionally, the platform supports innovative gift payment methods like QR codes, text-to-pay options, and memberships. Merchants are safeguarded with features such as fraud detection, maximum value limits, and PIN protection. Cardholders have the convenience of checking their gift card balances online or through QR codes. You can enhance customer engagement by adding pre-loaded promotions for products and services that come with automated expiration dates. Transitioning to and from various third-party gift services is made effortless, and Datacap proudly presents a robust white-labeled platform for both gift cards and loyalty programs, making it easier for businesses to enhance their customer experience and engagement.

Quickly and effortlessly construct, assess, and implement your payment solutions using our modular, "building-block" technology. With more than 100,000 pre-coded functions at your disposal through an intuitive point-and-click interface, you can significantly reduce your time to market while accommodating nearly any use case via our extensive library of over 300 APIs. Seamlessly transfer card details into users' mobile wallets and utilize advanced tools to provide exceptional digital experiences. Experience the benefits of flexibility and control as you rapidly develop and test new programs featuring unique capabilities informed by market feedback, all while scaling your offerings within a platform that is inherently secure, reliable, and contextually aware. Our highly adaptable Agile Processing platform empowers you to create and launch programs with an unmatched variety of features, allowing you to roll out initiatives in as little as 30 days without the need for costly IT infrastructure investments. This streamlined approach not only enhances efficiency but also fosters innovation in the ever-evolving payment landscape.

RapIDcard Elite is a sophisticated ID card issuance software created by Vision Database Systems, aimed at simplifying the process of generating and managing identification cards while providing robust support for smartcard credentials. This software allows users to efficiently read and write customized data onto smartcards during the ID printing procedure, thereby automating the entire issuance workflow from beginning to end. By integrating with CloudCard, it facilitates online photo submissions, enabling cardholders to upload their images remotely, which are then verified and seamlessly linked to their records for printing purposes. Among its numerous features, RapIDcard Elite includes the ability to issue ISO numbers with customizable logic, options for user-defined reprint reasons, automatic tracking of card counts, detailed reprint history, and the innovative "RapidTag" feature that streamlines the collection and assignment of pre-programmed contactless card numbers. Furthermore, the software provides capabilities for both real-time and non-real-time syncing with other databases, ensuring that information is consistently up-to-date across various systems. With these advanced functionalities, RapIDcard Elite enhances the efficiency and accuracy of ID card management for organizations.

Access control plays a crucial role in ensuring the safety and security of a building. To effectively manage the access profiles for various users within your facility, dependable software is essential. Our access management system is designed to be a future-ready solution specifically tailored for medium to large-scale applications. It stands out due to its user-friendly interface, straightforward operation, and scalability. With top-notch data protection and a variety of advanced features typically reserved for premium security options, this software ensures robust security. Additionally, it allows for seamless integration with third-party systems, enhancing its adaptability for various access control needs. As your organization evolves, our solution can easily accommodate growth, making it a smart choice for long-term use. The software is available in three distinct bundles—Lite, Plus, and Professional—catering to enterprises of varying sizes. Each bundle supports a significant number of cardholders and doors, facilitating a hassle-free upgrade process as your organization expands. With the capability to manage up to 400,000 cardholders and 10,000 doors, our system is equipped to handle even the most demanding access control requirements.

Master Payment is a wholly Mexican enterprise that boasts extensive expertise and cutting-edge technology in electronic payment methods, ensuring top-tier security standards within the global payment sector through its SAAS (Software as a Service) model in Hosteo. As the economy evolves rapidly, there is an increasing demand for technological solutions that can keep pace with these changes. A primary motivation behind the establishment of Master Payment was to offer comprehensive solutions that do not require clients to invest heavily, utilize complex hardware, or maintain dedicated personnel teams, all while ensuring swift development and implementation timelines for projects that enhance business and market strategies for Mexican banking systems and their clients. With a resilient infrastructure supported by redundant systems, Master Payment guarantees a dependable solution. Furthermore, it provides a PCI DSS certified offering that ensures the encryption and security of all cardholder data during transmission from point to point, reinforcing its commitment to protecting sensitive information. This dedication to security and efficiency positions Master Payment as a leader in the electronic payment landscape.

Skyflow allows you to run workflows, logic, and analytics on encrypted data. Skyflow uses multiple encryption and tokenization methods to ensure maximum security. With auditable logs, provenance, and data residency, you can manage access to your data and policy enforcement. Compliance is possible in minutes, not weeks. It's easy with our trusted infrastructure and simple REST or SQL APIs. Tokenization is required for compliance. An encrypted data store allows you to search, analyze, and make use of secure data. Skyflow can be run in any virtual private cloud you prefer. It can be used as a secure gateway, zero trust storage, and many other purposes. Replace a difficult-to-maintain patchwork of point solutions with a single cost-effective data vault. You can use your sensitive data in any application or workflow without ever having to decrypt it.

Provide your cardholders with the ability to quickly issue debit, credit, and ATM cards directly at your branches, making the process smoother than ever. With Matica's innovative instant issuance software, Cards on the Spot™, the creation and activation of payment cards, including Visa and MasterCard options, can be completed in just three clicks. This powerful browser-based platform allows for the immediate issuance of various high-quality card types, both contact and contactless, setting itself apart from competing solutions. Matica's Cards on the Spot™ is designed to be faster, simpler, and more precise than any alternative on the market. The software can be effortlessly deployed, updated, and maintained for all your card issuance requirements. Additionally, it seamlessly connects with core systems and transaction processing networks. Thanks to the perpetual-use branch licensing, each branch can support unlimited users without incurring costs per card or annual fees, making it a cost-effective choice for financial institutions. This solution truly enhances customer service by providing instant access to payment options.

Zebra's CardStudio is a user-friendly software solution designed for the creation and issuance of both physical and digital ID cards, streamlining the design process for high-quality identification. It boasts a range of sophisticated design tools and enhanced data management functions, enabling users to seamlessly integrate text, images, and data from various sources like backend databases and spreadsheets. The platform also facilitates the generation of environmentally friendly digital IDs, which can be securely delivered to mobile devices through a straightforward three-step process, providing greater flexibility and convenience for users. Additionally, CardStudio features robust encoding support for UHF and MIFARE/DESFire contactless cards, allowing users to choose encoding options tailored to their specific application needs and security measures. By utilizing Zebra DNA tools and printer applications, users benefit from advanced remote management capabilities, improved security, and continuous updates, ensuring seamless integration and compatibility across devices. This comprehensive approach enhances the overall experience for organizations looking to efficiently manage their ID card issuance processes.

EspressoID is an affordable and easy-to-use software that streamlines the process of crafting professional ID cards. This software boasts unlimited data fields, a variety of design templates, and a limitless number of cardholder entries, ensuring no hidden costs are involved. The user-friendly card designer accommodates multiple image formats and offers an array of text formatting options such as alignment, rotation, font styling, and transparency adjustments. In addition to being compatible with widely-used PVC ID card printers like Magicard, Fargo, Zebra, and Evolis, it also works seamlessly with Avery label sheets and Teslin lamination media suitable for both inkjet and laser printers. The software further enhances security and attendance tracking by enabling barcode printing, magnetic stripe encoding, and the application of password protection on data fields and card templates. Moreover, features such as the ability to print multiple cards in batches, import and export CSV files, and compatibility with Twain and DirectShow interfaces make EspressoID a comprehensive solution for ID card creation. With its versatile capabilities, EspressoID stands out as a reliable choice for organizations looking to efficiently manage their identification card needs.

Enhance your data security and address privacy issues with the swift, cloud-native vaultless tokenization platform. Understanding that your organization not only meets but surpasses compliance standards provides you with the necessary tranquility to concentrate on what truly matters for your enterprise. Companies today are grappling with rising operational expenses, the looming threat of ransomware, and persistent compliance evaluations. Rixon empowers you with confidence and security, allowing you to showcase the value of your business to the world effectively. The Rixon privacy platform is designed to drive favorable business results by equipping organizations with essential tools to manage security, compliance, and privacy initiatives for both the organization and its supported applications. By utilizing our innovative patented tokenization technique, Rixon effectively eradicates the risk of sensitive data exposure within your applications. Sensitive data is safely captured and transformed into intelligent security tokens, creating a robust defense against unauthorized access to your information. This comprehensive approach not only protects your data but also strengthens your overall business resilience.

The Lumen℠ Web Application Firewall offers robust protection for your data, employees, and customers, ensuring a seamless security experience that effectively deters hackers and cybercriminals. By providing essential web and application safeguards, LumenSM effectively helps in thwarting attacks while minimizing the risk of expensive data breaches and downtime through a combination of advanced defenses that focus on accurately identifying threats without hindering customer interactions. This service adds a vital layer of security to your existing perimeter firewall infrastructure, featuring continuous 24x7 monitoring that enables prompt and effective responses to emerging threats. It also plays a key role in identifying sensitive data leaks—such as credit card and social security numbers—by analyzing encrypted traffic and blocking harmful web requests. Moreover, it conducts a thorough application security review and analysis of current web applications to pinpoint vulnerabilities that could compromise your site's security, potentially leading to costly interruptions in business operations. As cyber threats evolve, maintaining up-to-date security measures becomes increasingly essential for ensuring the integrity of your digital assets and customer trust.