A key way in which merchants—especially those with subscription services—build their revenue is by using stored credit cardholder data to submit follow-on transactio...

Merchants are always on the lookout for ways to improve their security, while keeping as much friction as possible out of their purchase processes. Some of the optio...

What are Merchant Category Codes? A Merchant Category Code (MCC) is a four-digit number used to categorize merchants based on the merchant’s business activities and ...

Any electronic payment comes with inherent risk: the customer might be using a fraudulent card, forgotten they’ve overspent their credit limit, or end up firing up a...

The card networks and payment gateways designate high-risk merchants as less safe than their normal clientele because of evidence like high chargeback rates (above 1...

If you are a Basis Theory platform user, action is most likely required for your Production Tenant. What has Changed? We have updated our Rate Limits to better align...

Managed Connections: Orchestrating Payments We are happy to announce the launch of Managed Connections, which allows merchants to switch between payment processors t...

Software can be designed and implemented in any number of ways, but a core architectural approach can be instrumental in producing tools that are ideally suited to t...

Chargeback fraud, often called friendly fraud or first-party misuse, occurs when consumers fraudulently attempt to secure refunds by initiating chargebacks instead o...

The speed at which payments options expand and change has reached a breakneck pace: it’s almost impossible to imagine a time when the only options were to provide co...

Dynamic payment routing is an essential part of any comprehensive payment optimization strategy: getting the highest close rate at the lowest processing cost demands...

Tokenization is a PCI-compliant way to secure and mask sensitive cardholder data in what is called payment tokens. These payment tokens can take one of three forms, ...

Delivering great service is at the heart of every successful merchant’s business plan - because happy customers become repeat customers, and repeat customers become ...

April brought showers of updates and enhancements to the Basis Theory Platform, from automatic account updater, to full-featured test tenants, and forwarding APIs.

Payment security is a key consideration for today’s digital merchants, as acquiring a reputation for not protecting customers’ payment details can be an existential ...

As a merchant, accepting and processing payments is the lifeblood of your business. The ways in which you do so can significantly impact the future trajectory of you...

Digital payments have thrown open the ability to market and sell to an almost unlimited global audience for merchants. And those businesses who offer subscriptions c...

What are Subscription Companies? Subscription merchants are companies with a business model that involves customers paying a recurring fee to access products or serv...

In a world that seems ever more risky - with digital scam artists everywhere you look, and ransomware in seemingly every other news report - making security as impen...

The data security rules around payments can be puzzling to new and seasoned payments professionals alike. Moreover, while the Payments Card Industry Data Security St...

If there’s one thing that everyone who’s ever sold anything can agree on it’s this: the harder it is for the customer to close a deal, the less likely it is that the...

As the payments industry continues to grow, expand, and evolve, payments professionals will need to stay abreast of the changes in order to remain competitive in the...

Modern businesses do more than simply make one-off sales of products - they take advantage of the opportunities our digital reality offers. Perhaps the inspiration f...

The payment landscape continues to expand each year, offering a vast array of payment methods for end users and processing options for merchants. Payment gateways, p...

Merchants wishing to offer secure payment solutions for customers may find themselves at an impasse: their payment flows may require additional steps to become compl...

Failed payments are a key performance indicator for merchants that offer subscription, or installment, payment products or services. That’s because, when a consumer’...

Expanded Apple Pay JS Support In March, we added support for merchant tokens and Buy Now, Pay Later to Apple Pay JS. This enables merchants to decrypt the Apple Pay ...

The subscription model - paying for the use of a product or service on a regular basis, rather than purchasing an item outright - has been around for hundreds of yea...

When this video was recorded, Shopify Payment App documentation was in its early stages and only depicted Ruby code samples.

We came back from a long but eventful week at Merchant Risk Council's annual conference in Las Vegas. This year, it ran from March 25 until March 28 and was jam-pack...

Payments are an inescapable element of any commercial enterprise, yet the whole payment ecosystem can seem like a closed book to many businesspeople. Beyond the exis...

When merchants accept credit card payments, they also must consider what happens after the transaction is authorized. Can they store the card data? Should they?

In an increasingly competitive marketplace, it is vital to remove every little bit of friction that can cause a consumer not to complete a purchase. Friction can inc...

For centuries, payments have been “bundled”. Large multinational institutions have led the way in banking, money, payments, investments, and more, becoming large fin...

In our thoroughly networked world, many are constantly glued to their mobile devices, devouring the musings, postings, and comments that are the lifeblood of social ...

The Payment Card Industry Data Security Standard (PCI DSS) is the global standard for ensuring the secure handling of credit card data. It’s designed to protect card...

In February, the engineering team spent our time working on big picture items as well as granular bug fixes to improve platform performance. Read on for details of h...

In today’s digital, virtual world, there are vanishingly few businesses remaining who can operate on a cash basis - everyone has to accept digital payments, like cre...

In a digital and connected world, data is the most valuable virtual commodity. Access to, and control of, data is a fiercely competitive and much-debated area of mod...

Any time a credit card transaction occurs, the payment carries detailed data along with it to better classify and analyze the purchase. The amount and type of data i...

Merchants use batch payment processing to submit multiple transactions at once, rather than in real-time as the payment details come in, generally to reduce fees and...

Today’s economy is increasingly driven by complex purchases: beyond the exchange of cash for an item in a retail store, we have become accustomed to making digital o...