Despite its name, the Merchant Discount Rate (MDR) defines not a discount offered to merchants, but a fee paid by the merchant to its payment processing service. On ...

Attackers often use default passwords and other vendor default settings to compromise systems. These passwords and settings are both well known and easily accessible...

Payment Gateway Providers: An Overview A payment gateway is a specialized payment processor that serves the unique needs of a specific merchant vertical group. Payme...

Requirement 1 of the Payment Card Industry Data Security Standard (PCI DSS) is to “Install and Maintain Network Security Controls”. It is designed to help merchants ...

Any entity involved in transacting credit card business has an obligation to comply with Payment Card Industry Data Security Standards (PCI DSS), which is a publishe...

Summer is in full swing, and in July our team focused on bringing our mission to life for our customers. At Basis Theory, we believe that developing products with se...

What is PCI-DSS and What Does it Mean to be in Scope? PCI-DSS (the Payment Card Industry Data Security Standard) is an information security standard used by every en...

At Basis Theory we’re making it easier than ever for developers to create products with sensitive data. Our new HTTP service gives developers the flexibility they ne...

As we empower our customers to build pioneering solutions for their payment systems, ensuring alignment with regulatory rules is a critical step. We've witnessed fir...

Uncovering the top resources to build your payment knowledge The payments industry and ecosystem can be daunting in its breadth and depth. Understanding not only the...

What is payments compliance? The pandemic years accelerated the growth of global e-commerce, catapulting the industry to over 26 million individual merchants doing b...

We recently released a white paper detailing the many aspects of the “Know Your Customer” (KYC) program, and what it means for businesses that interact with customer...

Welcome back, everyone! Here are the notable changes for June. We're grateful to our customers for their ingenuity and creativity in finding new ways to keep their c...

What is Payment Gateway Fraud? Payment gateway fraud occurs when a card-not-present transaction is completed using invalid card details. Fraudsters may use stolen cr...

Transferring money across borders seamlessly has opened up a realm of possibilities for businesses and individuals alike. However, many may find that cross-border pa...

In the fast-paced world of B2B software, prompt and efficient payment processing is on every vendor’s wish list. Getting paid in a timely fashion is essential for ma...

As the payments industry continues to evolve, staying on top of the latest trends is crucial for payments professionals looking to make informed decisions and drive ...

As we hear feedback from customers about the creative ways they use their payments data we constantly look for ways to unlock more use cases. We've recently released...

Electronic Benefits Transfer, or EBT, is a system that was created to allow recipients of federal support in the United States to make food purchases electronically....

Providing secure payment transactions is a shared responsibility, because so many entities are involved in an intricate chain of activities to complete a deal. Each ...

A payment aggregator is a service provider that shares their merchant account with their customers, allowing them to start accepting payments quickly and easily. Ins...

It’s easy to imagine the scariest risks of all: having your system taken over and sold back to you by ransomware, say, or a criminal ring intentionally buying all yo...

Whether you're a merchant looking to cut down on payment service fees, a startup aiming to provide solutions to an underserved region, or an online business battling...

What are Payment Analytics? Payment analytics are actionable trends organizations can identify and use to tune and accelerate their business growth. In today’s numbe...

We've been working hard this spring to provide more control, flexibility, and security to improve your data management and user experience. Our latest updates includ...

Introduction When migrating credit card data from a payment service provider (PSP) to Basis Theory, you would extract all stored card data and personally identifiabl...

What is Payment Automation? When we think about payment automation, the temptation is to think only about inbound payment - revenue, in other words. And, indeed, mak...

In today’s payment landscape, the emergence of new technologies gives consumers more payment options than ever before. As a merchant, it’s vital to accept the forms ...

Merchants have access to a wealth of data points to gauge the health and success of their business. From customer acquisition cost to profit margin, the array of ava...

One of the most exciting parts of working at Basis Theory is encountering the various unique scenarios and alternative use cases that our customers envision. While s...

Merchants who build any kind of payment system must manage payments securely for a range of reasons.

PCI-DSS is a detailed and complex security standard that any entity involved in credit card payments must adhere to. Broadly speaking, its purpose is to ensure that ...

When a payment is ready to be processed, most merchants cannot simply send it to the card network - instead they must work with a Payment Service Provider (PSP). The...

PCI-DSS (Payment Card Industry Data Security Standard) is an information security standard that must be adhered to by any organization whose involvement in the proce...

Modern consumers often prefer to transact business digitally, but there are still times when they would rather speak to a live person. For many vendors this raises t...

We are thrilled to share some of the key updates we've made to our platform during the month of March.

Clients that have experienced claims typically have a greater appreciation of how catastrophic and frustrating a claim can be without strong risk management partners...

Recently, I had the pleasure of joining Caleb Avery, CEO of Tilled, on a webinar to discuss the current state of payments and data ownership. Tilled is one of our am...

A card network token is a string of random numbers that is used to retrieve the real Primary Account Number (PAN) from a token value, where it is securely stored to ...

We frequently mention that security is in our DNA, and we mean it.

Why test credit and debit card transactions? When you build a payment transaction system, it’s important to ensure that it is working properly.

Payment network tokenization is a process of replacing sensitive payment information, such as a credit card number, with a unique identifier or token that can be use...

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...

We launched Basis Theory Elements late last year to provide developers and designers a fast, dynamic, and secure option to seamlessly collect information from within...

After the numerous improvements the team released in January, we spent February heads down on a few initiatives to make progress toward developing a more complete pl...

In this Secureframe webinar, we discuss how tokenization and automation can eliminate 95% of the time and effort involved with PCI compliance.

In short, a third-party tokenization service provider provides services for creating, storing, and managing tokens to improve data security.

Payment service providers (PSPs) play a critical role in ensuring smooth and secure payment processing for a variety of merchants but they can pose a significant ris...

Encryption and tokenization are complementary strategic tools used by systems that need to protect sensitive information, especially in the realm of secure payments ...

Cascading payments can be part of an intelligent payment routing strategy. In this post, we break down the details and discuss how they can influence your success ra...