--- title: Blog | Basis Theory Updates & Insights (5) description: Read the latest insights and updates from Basis Theory team. Learn about payment tokenization, compliance, product updates, and more. (5) image: https://blog.basistheory.com/hubfs/bt-og-image-generic.avif --- [Skip to content](https://blog.basistheory.com/page/5#main-content) ![Basis Theory logo](https://blog.basistheory.com/hs-fs/hubfs/BTLogo%20(1).png?width=365&height=122&name=BTLogo%20(1).png) - [Use Cases](https://basistheory.com/) Show submenu for Use Cases - [Creator Economy](https://basistheory.com/use-cases/creator-economy) - [Digital Health](https://basistheory.com/use-cases/health) - [E-Commerce](https://basistheory.com/use-cases/ecommerce) - [Fintech](https://basistheory.com/use-cases/fintech) - [Gaming](https://basistheory.com/use-cases/gaming) - [Subscription Merchants](https://basistheory.com/use-cases/subscriptions) - [Travel](https://basistheory.com/use-cases/travel) - [VSaaS](https://basistheory.com/use-cases/vsaas) - Solutions Show submenu for Solutions - [Agentic Commerce](https://basistheory.com/solution/agentic-commerce) - [Data Consolidation](https://basistheory.com/solution/data-consolidation) - [Monetize Payments](https://basistheory.com/solution/monetize-payments) - [Multi PSP](https://basistheory.com/solution/multi-psp) - [Payment Method Discovery](https://basistheory.com/solution/payment-method-discovery) - [Payment Vault](https://basistheory.com/solution/payment-vault) - [Platform](https://basistheory.com/platform) Show submenu for Platform - [Enrichments & Add-Ons](https://basistheory.com/add-ons) - [Partners](https://basistheory.com/partnerships) - [Why Basis Theory](https://basistheory.com/why-basis-theory) - [Pricing](https://basistheory.com/pricing) - Resources Show submenu for Resources - [Blog](https://blog.basistheory.com) - [Case Studies](https://blog.basistheory.com/case-studies) - [Docs](https://developers.basistheory.com/) Open main navigation Close main navigation - [Use Cases](https://basistheory.com/) Show submenu for Use Cases - [Creator Economy](https://basistheory.com/use-cases/creator-economy) - [Digital Health](https://basistheory.com/use-cases/health) - [E-Commerce](https://basistheory.com/use-cases/ecommerce) - [Fintech](https://basistheory.com/use-cases/fintech) - [Gaming](https://basistheory.com/use-cases/gaming) - [Subscription Merchants](https://basistheory.com/use-cases/subscriptions) - [Travel](https://basistheory.com/use-cases/travel) - [VSaaS](https://basistheory.com/use-cases/vsaas) - Solutions Show submenu for Solutions - [Agentic Commerce](https://basistheory.com/solution/agentic-commerce) - [Data Consolidation](https://basistheory.com/solution/data-consolidation) - [Monetize Payments](https://basistheory.com/solution/monetize-payments) - [Multi PSP](https://basistheory.com/solution/multi-psp) - [Payment Method Discovery](https://basistheory.com/solution/payment-method-discovery) - [Payment Vault](https://basistheory.com/solution/payment-vault) - [Platform](https://basistheory.com/platform) Show submenu for Platform - [Enrichments & Add-Ons](https://basistheory.com/add-ons) - [Partners](https://basistheory.com/partnerships) - [Why Basis Theory](https://basistheory.com/why-basis-theory) - [Pricing](https://basistheory.com/pricing) - Resources Show submenu for Resources - [Blog](https://blog.basistheory.com) - [Case Studies](https://blog.basistheory.com/case-studies) - [Docs](https://developers.basistheory.com/) - [Get a demo](https://basistheory.com/contact) [Login](https://portal.basistheory.com/) [Get a demo](https://basistheory.com/contact) # Blog Insights and updates from the Basis Theory team ## Blog All Categories Banking Basis Theory News Compliance Data Security Data Tokenization Engineering Partners Payments PCI Compliance Product Resources ## Want Product News & Industry Updates? ### Subscribe to the Basis Theory blog to get updates right in your inbox [![How Basis Theory hired its CISO and his plans for using security and compliance to drive revenue](https://blog.basistheory.com/hubfs/bt-blog/why-i-joined-basis-theory.jpeg)](https://blog.basistheory.com/why-i-joined-basis-theory-as-ciso) [Basis Theory News](https://blog.basistheory.com/tag/basis-theory-news) ## [Why I Joined Basis Theory as CISO](https://blog.basistheory.com/why-i-joined-basis-theory-as-ciso) Love is a strong word, typically reserved for my family and my favorite music. ![Picture of Brandon Sterne](https://blog.basistheory.com/hs-fs/hubfs/brandon-sterne-headshot.jpeg?width=50&name=brandon-sterne-headshot.jpeg) [Brandon Sterne](https://blog.basistheory.com/author/brandon-sterne) · August 22, 2024 [Read more](https://blog.basistheory.com/why-i-joined-basis-theory-as-ciso) [![A payment switch helps a merchant close more deals at a lower cost. ](https://blog.basistheory.com/hubfs/What%20is%20a%20payment%20switch_.png)](https://blog.basistheory.com/what-is-a-payment-switch) [Payments](https://blog.basistheory.com/tag/payments) ## [What is a Payment Switch](https://blog.basistheory.com/what-is-a-payment-switch) ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · August 6, 2024 [Read more](https://blog.basistheory.com/what-is-a-payment-switch) [![](https://blog.basistheory.com/hubfs/monolithic-payments.webp)](https://blog.basistheory.com/securing-microtransactions-for-gaming-merchants) [Payments](https://blog.basistheory.com/tag/payments) ## [Master Microtransactions: How Gaming Merchants Get to the Next Level](https://blog.basistheory.com/securing-microtransactions-for-gaming-merchants) ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · August 1, 2024 [Read more](https://blog.basistheory.com/securing-microtransactions-for-gaming-merchants) [![The Visa Stop Payment Service from Visa allows consumers to prevent card-on-file transactions through the Visa network.](https://blog.basistheory.com/hubfs/Visa%20stop%20payment%20service.png)](https://blog.basistheory.com/visa-stop-payment-service) [Payments](https://blog.basistheory.com/tag/payments) ## [What the Visa Stop Payment Service Does for Merchants](https://blog.basistheory.com/visa-stop-payment-service) 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... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · July 25, 2024 [Read more](https://blog.basistheory.com/visa-stop-payment-service) [![](https://blog.basistheory.com/hubfs/modernizing-payment-stack.png)](https://blog.basistheory.com/common-tokenization-pitfalls) [Data Tokenization](https://blog.basistheory.com/tag/data-tokenization) ## [Tokenization Offers Great Benefits: Be Aware of These 5 Pitfalls](https://blog.basistheory.com/common-tokenization-pitfalls) 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... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · July 9, 2024 [Read more](https://blog.basistheory.com/common-tokenization-pitfalls) [![Connected payments help improve margins and reduce risk for merchants. Read the blog for more!](https://blog.basistheory.com/hubfs/second-payment-processor.png)](https://blog.basistheory.com/how-connected-payments-reduce-merchant-risk) [Payments](https://blog.basistheory.com/tag/payments) ## [How Connected Payments Reduce Merchant Risk](https://blog.basistheory.com/how-connected-payments-reduce-merchant-risk) 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... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · June 25, 2024 [Read more](https://blog.basistheory.com/how-connected-payments-reduce-merchant-risk) [![Rate Limits](https://blog.basistheory.com/hubfs/avoiding-failed-payments.webp)](https://blog.basistheory.com/introducing-new-rate-limits) ## [Enhancing Reliability and Security for Your Tenants](https://blog.basistheory.com/introducing-new-rate-limits) 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... ![Picture of James Armstead](https://blog.basistheory.com/hs-fs/hubfs/Imported_Blog_Media/62b1da75da1e04053d424518_James.jpg?width=50&name=62b1da75da1e04053d424518_James.jpg) [James Armstead](https://blog.basistheory.com/author/james-armstead) · June 18, 2024 [Read more](https://blog.basistheory.com/introducing-new-rate-limits) [![May 2024 Changelog](https://blog.basistheory.com/hubfs/May%202024%20Changelog.png)](https://blog.basistheory.com/may-2024-changelog) [Product](https://blog.basistheory.com/tag/product) ## [May 2024 Changelog](https://blog.basistheory.com/may-2024-changelog) Managed Connections: Orchestrating Payments We are happy to announce the launch of Managed Connections, which allows merchants to switch between payment processors t... ![Picture of James Armstead](https://blog.basistheory.com/hs-fs/hubfs/Imported_Blog_Media/62b1da75da1e04053d424518_James.jpg?width=50&name=62b1da75da1e04053d424518_James.jpg) [James Armstead](https://blog.basistheory.com/author/james-armstead) · June 13, 2024 [Read more](https://blog.basistheory.com/may-2024-changelog) [![composable applications](https://blog.basistheory.com/hubfs/Composable%20applications%20in%20payments.png)](https://blog.basistheory.com/composable-apps-payments) [Payments](https://blog.basistheory.com/tag/payments) ## [How to Use Composable Apps in Payments](https://blog.basistheory.com/composable-apps-payments) 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... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · June 12, 2024 [Read more](https://blog.basistheory.com/composable-apps-payments) [![SotfPOS and tap-to-pay](https://blog.basistheory.com/hubfs/SoftPOS.png)](https://blog.basistheory.com/softpos-devices-terminals) [Payments](https://blog.basistheory.com/tag/payments) ## [SoftPOS: Turning Devices Into Terminals](https://blog.basistheory.com/softpos-devices-terminals) 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... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · June 4, 2024 [Read more](https://blog.basistheory.com/softpos-devices-terminals) [![dynamic payment routing retry routes](https://blog.basistheory.com/hubfs/dynamic-payment-routing-retry-routes.png)](https://blog.basistheory.com/dynamic-payment-routing-retry-logic-routes) [Payments](https://blog.basistheory.com/tag/payments) ## [Dynamic Payment Routing - Retry Logic Routes](https://blog.basistheory.com/dynamic-payment-routing-retry-logic-routes) Dynamic payment routing is an essential part of any comprehensive payment optimization strategy: getting the highest close rate at the lowest processing cost demands... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · May 30, 2024 [Read more](https://blog.basistheory.com/dynamic-payment-routing-retry-logic-routes) [![Second payment processor](https://blog.basistheory.com/hubfs/second-payment-processor.png)](https://blog.basistheory.com/implement-second-payment-processor) [Payments](https://blog.basistheory.com/tag/payments) ## [Implementing a Second Payment Processor: Considerations](https://blog.basistheory.com/implement-second-payment-processor) Delivering great service is at the heart of every successful merchant’s business plan - because happy customers become repeat customers, and repeat customers become ... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · May 21, 2024 [Read more](https://blog.basistheory.com/implement-second-payment-processor) [![April 2024 Changelog](https://blog.basistheory.com/hubfs/april-2024-changelog.png)](https://blog.basistheory.com/april-2024-changelog) [Product](https://blog.basistheory.com/tag/product) ## [April 2024 Changelog](https://blog.basistheory.com/april-2024-changelog) April brought showers of updates and enhancements to the Basis Theory Platform, from automatic account updater, to full-featured test tenants, and forwarding APIs. ![Picture of James Armstead](https://blog.basistheory.com/hs-fs/hubfs/Imported_Blog_Media/62b1da75da1e04053d424518_James.jpg?width=50&name=62b1da75da1e04053d424518_James.jpg) [James Armstead](https://blog.basistheory.com/author/james-armstead) · May 20, 2024 [Read more](https://blog.basistheory.com/april-2024-changelog) [![Multi-processor routing](https://blog.basistheory.com/hubfs/multi-processor-payment-routing.png)](https://blog.basistheory.com/multi-processor-routing-payment-security) [Payments](https://blog.basistheory.com/tag/payments) ## [Multi-Processor Routing and Fraud Prevention](https://blog.basistheory.com/multi-processor-routing-payment-security) 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 ... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · May 16, 2024 [Read more](https://blog.basistheory.com/multi-processor-routing-payment-security) [![multi-processor routing or full-service PSP](https://blog.basistheory.com/hubfs/multi-processor-routing-full-service-psp.png)](https://blog.basistheory.com/multi-processor-full-service-psp) [Payments](https://blog.basistheory.com/tag/payments) ## [Multi-Processor Routing or Full-Service PSP? Which is Your Best Option?](https://blog.basistheory.com/multi-processor-full-service-psp) 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... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · May 15, 2024 [Read more](https://blog.basistheory.com/multi-processor-full-service-psp) [![ROI of multi-processor routing](https://blog.basistheory.com/hubfs/roi-multi-processor-routing.png)](https://blog.basistheory.com/roi-multiprocessor-routing-subscription-businesses) [Payments](https://blog.basistheory.com/tag/payments) ## [Evaluating the ROI of Multi-processor Payment Routing for Subscription Businesses](https://blog.basistheory.com/roi-multiprocessor-routing-subscription-businesses) 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... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · May 14, 2024 [Read more](https://blog.basistheory.com/roi-multiprocessor-routing-subscription-businesses) [![Payments best practices for subscription merchants](https://blog.basistheory.com/hubfs/recurring-payments-merchants.png)](https://blog.basistheory.com/subscription-merchants-payments-best-practices) [Payments](https://blog.basistheory.com/tag/payments) ## [Subscription Merchants: Payments Best Practices](https://blog.basistheory.com/subscription-merchants-payments-best-practices) What are Subscription Companies? Subscription merchants are companies with a business model that involves customers paying a recurring fee to access products or serv... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · May 10, 2024 [Read more](https://blog.basistheory.com/subscription-merchants-payments-best-practices) [![Balancing 3DS and UX](https://blog.basistheory.com/hubfs/balance-ux-security.webp)](https://blog.basistheory.com/3ds-balance-security-ux) [Payments](https://blog.basistheory.com/tag/payments) ## [3DS Authentication: The Right Balance Between Security and UX](https://blog.basistheory.com/3ds-balance-security-ux) 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... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · May 7, 2024 [Read more](https://blog.basistheory.com/3ds-balance-security-ux) [![one-click checkout](https://blog.basistheory.com/hubfs/one-click-checkout.png)](https://blog.basistheory.com/one-click-checkout) [Payments](https://blog.basistheory.com/tag/payments) ## [One-Click Checkout: Benefits and Drawbacks](https://blog.basistheory.com/one-click-checkout) 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... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · May 1, 2024 [Read more](https://blog.basistheory.com/one-click-checkout) [![payments book and resources](https://blog.basistheory.com/hubfs/payments-books-resources.png)](https://blog.basistheory.com/payments-resources) [Payments](https://blog.basistheory.com/tag/payments) ## [Best Payments Resources To Deepen Your Payments Knowledge](https://blog.basistheory.com/payments-resources) 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... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · April 30, 2024 [Read more](https://blog.basistheory.com/payments-resources) [![recurring payments for merchants](https://blog.basistheory.com/hubfs/recurring-payments-merchants.png)](https://blog.basistheory.com/recurring-payments-merchants) [Payments](https://blog.basistheory.com/tag/payments) ## [The Importance of Recurring Payments for Merchants](https://blog.basistheory.com/recurring-payments-merchants) 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... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · April 26, 2024 [Read more](https://blog.basistheory.com/recurring-payments-merchants) [![Monolithic payment systems](https://blog.basistheory.com/hubfs/monolithic-payments.webp)](https://blog.basistheory.com/monolithic-payments) [Payments](https://blog.basistheory.com/tag/payments) ## [Are Monolithic Payments a Thing of the Past?](https://blog.basistheory.com/monolithic-payments) 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... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · April 19, 2024 [Read more](https://blog.basistheory.com/monolithic-payments) [![recurring payments](https://blog.basistheory.com/hubfs/recurring-payments-merchants.png)](https://blog.basistheory.com/balance-ux-security-recurring-payments) [Payments](https://blog.basistheory.com/tag/payments) ## [Balancing UX and Security in Recurring Payments](https://blog.basistheory.com/balance-ux-security-recurring-payments) 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... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · April 17, 2024 [Read more](https://blog.basistheory.com/balance-ux-security-recurring-payments) [![Avoiding failed payments](https://blog.basistheory.com/hubfs/avoiding-failed-payments.webp)](https://blog.basistheory.com/avoiding-failed-payments) [Payments](https://blog.basistheory.com/tag/payments) ## [B2B SaaS Companies: Avoiding Failed Payments](https://blog.basistheory.com/avoiding-failed-payments) Failed payments are a key performance indicator for merchants that offer subscription, or installment, payment products or services. That’s because, when a consumer’... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · April 16, 2024 [Read more](https://blog.basistheory.com/avoiding-failed-payments) [![March 2024 Product Changelog](https://blog.basistheory.com/hubfs/march-2024-changelog.webp)](https://blog.basistheory.com/march-2024-changelog) [Product](https://blog.basistheory.com/tag/product) ## [March 2024 Changelog](https://blog.basistheory.com/march-2024-changelog) 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 ... ![Picture of James Armstead](https://blog.basistheory.com/hs-fs/hubfs/Imported_Blog_Media/62b1da75da1e04053d424518_James.jpg?width=50&name=62b1da75da1e04053d424518_James.jpg) [James Armstead](https://blog.basistheory.com/author/james-armstead) · April 12, 2024 [Read more](https://blog.basistheory.com/march-2024-changelog) [![how subscription companies can grow revenue and reduce expenses](https://blog.basistheory.com/hubfs/grow-revenue-reduce-expenses.webp)](https://blog.basistheory.com/grow-revenue-reduce-expenses-subscriptions) [Payments](https://blog.basistheory.com/tag/payments) ## [How Subscription Companies Grow Revenue and Reduce Expenses](https://blog.basistheory.com/grow-revenue-reduce-expenses-subscriptions) 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... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · April 10, 2024 [Read more](https://blog.basistheory.com/grow-revenue-reduce-expenses-subscriptions) [![Key takeaways from MRC Vegas 2024](https://blog.basistheory.com/hubfs/mrc-vegas-2024-takeaways.webp)](https://blog.basistheory.com/mrc-vegas-2024-recap) [Basis Theory News](https://blog.basistheory.com/tag/basis-theory-news) [Payments](https://blog.basistheory.com/tag/payments) ## [MRC Vegas 2024: A Recap](https://blog.basistheory.com/mrc-vegas-2024-recap) 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... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · April 5, 2024 [Read more](https://blog.basistheory.com/mrc-vegas-2024-recap) [![How merchants can modernize their payments infrastructure](https://blog.basistheory.com/hubfs/modernize-payments-infrastructure.webp)](https://blog.basistheory.com/modernize-payments-infrastructure) ## [How Merchants Can Modernize Their Payments Infrastructure](https://blog.basistheory.com/modernize-payments-infrastructure) 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... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · April 2, 2024 [Read more](https://blog.basistheory.com/modernize-payments-infrastructure) [![How merchants can leverage social commerce](https://blog.basistheory.com/hubfs/merchants-leverage-social-commerce.png)](https://blog.basistheory.com/social-commerce) [Payments](https://blog.basistheory.com/tag/payments) ## [How Merchants Can Leverage Social Commerce](https://blog.basistheory.com/social-commerce) 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 ... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · March 20, 2024 [Read more](https://blog.basistheory.com/social-commerce) [![PCI 4.0 Updates: What this means for merchants](https://blog.basistheory.com/hubfs/pci-4-updated-requirements-merchants.webp)](https://blog.basistheory.com/pci-4.0-updated-requirements-merchants) [PCI Compliance](https://blog.basistheory.com/tag/pci-compliance) ## [PCI 4.0 Updated Requirements: What This Means for Merchants](https://blog.basistheory.com/pci-4.0-updated-requirements-merchants) 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... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · March 19, 2024 [Read more](https://blog.basistheory.com/pci-4.0-updated-requirements-merchants) [![February 2024 Product Changelog](https://blog.basistheory.com/hubfs/feb-2024-changelog.png)](https://blog.basistheory.com/february-2024-changelog) [Product](https://blog.basistheory.com/tag/product) ## [February 2024 Changelog](https://blog.basistheory.com/february-2024-changelog) 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... ![Picture of James Armstead](https://blog.basistheory.com/hs-fs/hubfs/Imported_Blog_Media/62b1da75da1e04053d424518_James.jpg?width=50&name=62b1da75da1e04053d424518_James.jpg) [James Armstead](https://blog.basistheory.com/author/james-armstead) · March 15, 2024 [Read more](https://blog.basistheory.com/february-2024-changelog) [![how to choose a payment provider](https://blog.basistheory.com/hubfs/how-to-choose-payment-provider.webp)](https://blog.basistheory.com/choose-payment-provider) [Payments](https://blog.basistheory.com/tag/payments) ## [How to Choose A Payment Provider](https://blog.basistheory.com/choose-payment-provider) 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... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · March 13, 2024 [Read more](https://blog.basistheory.com/choose-payment-provider) [![Batch payment processing benefits and drawbacks](https://blog.basistheory.com/hubfs/batch-payment-processing.png)](https://blog.basistheory.com/batch-payment-processing) [Payments](https://blog.basistheory.com/tag/payments) ## [What is Batch Payment Processing?](https://blog.basistheory.com/batch-payment-processing) 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... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · March 4, 2024 [Read more](https://blog.basistheory.com/batch-payment-processing) [![merchant initiated authentication and 3DS](https://blog.basistheory.com/hubfs/merchant-initiated-authentication-3ds.webp)](https://blog.basistheory.com/merchant-initiated-authentication-3ds) [Payments](https://blog.basistheory.com/tag/payments) ## [Merchant Initiated Authentication (3RI) and 3DS](https://blog.basistheory.com/merchant-initiated-authentication-3ds) 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... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · February 22, 2024 [Read more](https://blog.basistheory.com/merchant-initiated-authentication-3ds) [![January 2024 Changelog](https://blog.basistheory.com/hubfs/jan-2024-changelog.png)](https://blog.basistheory.com/january-2024-changelog) [Product](https://blog.basistheory.com/tag/product) ## [January 2024 Changelog](https://blog.basistheory.com/january-2024-changelog) 10x+ Performance Enhancement on Token Searching January came with a huge performance enhancement on our Token Search and Token List endpoints, these are now returnin... ![Picture of James Armstead](https://blog.basistheory.com/hs-fs/hubfs/Imported_Blog_Media/62b1da75da1e04053d424518_James.jpg?width=50&name=62b1da75da1e04053d424518_James.jpg) [James Armstead](https://blog.basistheory.com/author/james-armstead) · February 12, 2024 [Read more](https://blog.basistheory.com/january-2024-changelog) [![payment operations best practices](https://blog.basistheory.com/hubfs/Payment-Operations.png)](https://blog.basistheory.com/payment-operations) [Payments](https://blog.basistheory.com/tag/payments) ## [Payment Operations: Finding Efficiencies and Cost Savings](https://blog.basistheory.com/payment-operations) As businesses grow, the complexities of keeping up with the money that flows in and out of their accounts start to pile up. The solution is to optimize payment opera... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · February 8, 2024 [Read more](https://blog.basistheory.com/payment-operations) [![payments best practices for dating apps](https://blog.basistheory.com/hubfs/dating-apps-best-practices.png)](https://blog.basistheory.com/dating-apps-payments-best-practices) [Payments](https://blog.basistheory.com/tag/payments) ## [Dating Apps: Payments Best Practices](https://blog.basistheory.com/dating-apps-payments-best-practices) Online dating and related services are booming globally, with demand increasing at a rapid pace. The market for online dating and apps was valued at $7.94 billion in... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · February 7, 2024 [Read more](https://blog.basistheory.com/dating-apps-payments-best-practices) [![Dunning Management tips for subscription merchants](https://blog.basistheory.com/hubfs/dunning-management.png)](https://blog.basistheory.com/dunning-management-subscription-merchants) [Payments](https://blog.basistheory.com/tag/payments) ## [How Subscription Merchants Can Improve Dunning Management](https://blog.basistheory.com/dunning-management-subscription-merchants) According to the industry group PYMNTS, failed payments cost subscription merchants as much as 9% - 11% of their revenue. While some of that revenue loss represents ... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · February 1, 2024 [Read more](https://blog.basistheory.com/dunning-management-subscription-merchants) [![payments best practices for games of skill merchants](https://blog.basistheory.com/hubfs/Games%20of%20Skill%20Merchants_%20Payments%20Best%20Practices.png)](https://blog.basistheory.com/skill-games-payments-best-practices) [Payments](https://blog.basistheory.com/tag/payments) ## [Games of Skill Merchants: Payments Best Practices](https://blog.basistheory.com/skill-games-payments-best-practices) Companies that fall under the MCC category of “digital games” include the merchants that sell and distribute digital games or game-related products. More specificall... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · January 31, 2024 [Read more](https://blog.basistheory.com/skill-games-payments-best-practices) [![what is token requestor id?](https://blog.basistheory.com/hubfs/token-requestor-id-trid.png)](https://blog.basistheory.com/token-requestor-id) [Payments](https://blog.basistheory.com/tag/payments) ## [What is TRID? Learn More About the Token Requestor ID](https://blog.basistheory.com/token-requestor-id) A token requestor ID (TRID) is a unique identifier that allows merchants to request network tokens from token providers and is a prerequisite for enabling network to... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · January 30, 2024 [Read more](https://blog.basistheory.com/token-requestor-id) [![2023 in review at Basis Theory](https://blog.basistheory.com/hubfs/2023-in-review.png)](https://blog.basistheory.com/2023-review) [Product](https://blog.basistheory.com/tag/product) ## [2023 in Review](https://blog.basistheory.com/2023-review) As 2022 came to a close, we knew we wanted to spend time on 4 key components of our product: Global expansion, developer integration experience, enhancing tokenizati... ![Picture of James Armstead](https://blog.basistheory.com/hs-fs/hubfs/Imported_Blog_Media/62b1da75da1e04053d424518_James.jpg?width=50&name=62b1da75da1e04053d424518_James.jpg) [James Armstead](https://blog.basistheory.com/author/james-armstead) · January 26, 2024 [Read more](https://blog.basistheory.com/2023-review) [![payments best practices for negative option subscriptions](https://blog.basistheory.com/hubfs/Negative-Option-Subscription-Payments-Best-Practices.png)](https://blog.basistheory.com/negative-option-subscription-payments) [Payments](https://blog.basistheory.com/tag/payments) ## [Negative Option Subscriptions: Payments Best Practices](https://blog.basistheory.com/negative-option-subscription-payments) Negative option merchants are merchants that offer an enticing option for customers, like a free trial, that requires a credit card to sign up. The customer, in turn... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · January 24, 2024 [Read more](https://blog.basistheory.com/negative-option-subscription-payments) [![How full-service psps really make money](https://blog.basistheory.com/hubfs/how-full-service-psps-make-money.png)](https://blog.basistheory.com/how-stripe-makes-money) [Payments](https://blog.basistheory.com/tag/payments) ## [How Stripe and Other Full-Service PSPs Really Make Money](https://blog.basistheory.com/how-stripe-makes-money) Like so many full-service payment providers, Stripe offers an apparently very simple proposition: run all your payment transactions through their system and pay a si... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · January 23, 2024 [Read more](https://blog.basistheory.com/how-stripe-makes-money) [![What is Triangulation Fraud and how can merchants prevent it?](https://blog.basistheory.com/hubfs/triangulation-fraud.png)](https://blog.basistheory.com/triangulation-fraud) [Payments](https://blog.basistheory.com/tag/payments) ## [What is Triangulation Fraud? How Merchants Can Prevent It](https://blog.basistheory.com/triangulation-fraud) Triangulation fraud is a complicated fraud scheme that occurs, predominantly in ecommerce, between three parties: an unsuspecting customer, a fraudulent seller, and ... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · January 19, 2024 [Read more](https://blog.basistheory.com/triangulation-fraud) [![Vaulted or Vaultless Tokens? Which is Best?](https://blog.basistheory.com/hubfs/vaulted-vaultless-tokens.png)](https://blog.basistheory.com/vaulted-or-vaultless-tokens) [Payments](https://blog.basistheory.com/tag/payments) ## [Vaulted or Vaultless Tokens? Which is Best for Payments?](https://blog.basistheory.com/vaulted-or-vaultless-tokens) Tokens: What is a Token Vault? A token is a non-exploitable identifier that references sensitive data. Tokens can take any shape, are safe to expose, and are easy to... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · January 11, 2024 [Read more](https://blog.basistheory.com/vaulted-or-vaultless-tokens) [![addressing and reducing delinquent payments](https://blog.basistheory.com/hubfs/address-reduce-delinquent-payments.png)](https://blog.basistheory.com/reducing-delinquent-payments) [Payments](https://blog.basistheory.com/tag/payments) ## [Addressing and Reducing Delinquent Payments](https://blog.basistheory.com/reducing-delinquent-payments) Payments become delinquent when they are not made according to a pre-agreed schedule. Almost by definition, then, they are almost always associated with recurring pa... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · January 10, 2024 [Read more](https://blog.basistheory.com/reducing-delinquent-payments) [![The Real Costs of Vaulting Payments](https://blog.basistheory.com/hubfs/real-costs-vaulting-payments.png)](https://blog.basistheory.com/vaulting-payments-cost) [Payments](https://blog.basistheory.com/tag/payments) ## [The Real Costs of Vaulting Payments](https://blog.basistheory.com/vaulting-payments-cost) What is Payments Vaulting? Merchants are said to be ‘vaulting payments’ when they contract with a partner, which stores sensitive cardholder data securely and provid... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · January 4, 2024 [Read more](https://blog.basistheory.com/vaulting-payments-cost) [![the real costs of PSP lock-in](https://blog.basistheory.com/hubfs/costs-of-psp-lock-in.png)](https://blog.basistheory.com/psp-lock-in-costs) ## [The Costs of Payment Service Provider (PSP) Lock-In](https://blog.basistheory.com/psp-lock-in-costs) What is Vendor Lock-in? Vendor lock-in describes a situation where a customer becomes entirely dependent on a specific vendor for products or services, and switching... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · January 2, 2024 [Read more](https://blog.basistheory.com/psp-lock-in-costs) [![meeting PCI requirements for encryption](https://blog.basistheory.com/hubfs/pci-requirements-encryption.png)](https://blog.basistheory.com/pci-requirements-encryption) [PCI Compliance](https://blog.basistheory.com/tag/pci-compliance) ## [Meeting PCI Requirements for Encryption](https://blog.basistheory.com/pci-requirements-encryption) The Payments Card Industry Data Security Standard (PCI DSS) outlines hundreds of requirements for storing, processing, and transmitting cardholder data. Any business... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · December 26, 2023 [Read more](https://blog.basistheory.com/pci-requirements-encryption) [![How universal payment vaults prevent payment failures](https://blog.basistheory.com/hubfs/universal-payment-vaults-prevent-failures.png)](https://blog.basistheory.com/universal-payment-vault-prevent-payment-failure) [Payments](https://blog.basistheory.com/tag/payments) ## [How Universal Payment Vaults Prevent Payment Failures](https://blog.basistheory.com/universal-payment-vault-prevent-payment-failure) What is a Universal Payment Vault? A payment vault is a storage facility where merchants securely manage customer payment details, and transmit them to payment partn... ![Picture of Basis Theory](https://blog.basistheory.com/hs-fs/hubfs/bt-favicon-new.png?width=50&name=bt-favicon-new.png) [Basis Theory](https://blog.basistheory.com/author/basis-theory-team) · December 19, 2023 [Read more](https://blog.basistheory.com/universal-payment-vault-prevent-payment-failure) [First](https://blog.basistheory.com/page/1) [Prev](https://blog.basistheory.com/page/4) [3](https://blog.basistheory.com/page/3) [4](https://blog.basistheory.com/page/4) [5](https://blog.basistheory.com/page/5) [6](https://blog.basistheory.com/page/6) [7](https://blog.basistheory.com/page/7) [Next](https://blog.basistheory.com/page/6) [Last](https://blog.basistheory.com/page/8) [![BTLogo (1)](https://blog.basistheory.com/hs-fs/hubfs/BTLogo%20(1).png?width=138&height=46&name=BTLogo%20(1).png "BTLogo (1)")](https://basistheory.com) - Use Cases - [Creator Economy](https://basistheory.com/use-cases/creator-economy) - [Digital Health](https://basistheory.com/use-cases/health) - [E-Commerce](https://basistheory.com/use-cases/ecommerce) - [Fintech](https://basistheory.com/use-cases/fintech) - [Gaming](https://basistheory.com/use-cases/gaming) - [Remittance](https://basistheory.com/use-cases/remittance) - [Subscription Platforms](https://basistheory.com/use-cases/subscriptions) - [Online Travel Agencies](https://basistheory.com/use-cases/travel) - [Vertical SaaS](https://basistheory.com/use-cases/vsaas) - Developers - [Quickstart](https://developers.basistheory.com/getting-started) - [Elements](https://developers.basistheory.com/docs/sdks/web/javascript) - [Documentation](https://developers.basistheory.com/) - Basis Theory - [Pricing](https://basistheory.com/pricing) - [Add-Ons](https://basistheory.com/add-ons) - [ROI Calculator](https://go.basistheory.com/roi) - [Case Studies](https://blog.basistheory.com/case-studies) - [Blog](https://blog.basistheory.com) - [Contact](https://basistheory.com/contact) - Other - [Terms and Conditions](https://basistheory.com/resources/terms-of-service) - [Privacy Policy](https://basistheory.com/resources/privacy-policy) - [Cookie Policy](https://basistheory.com/resources/cookie-policy) - [Security](https://basistheory.com/security) - [System Status](https://status.basistheory.com/) - Compare - [Basis Theory Vs. 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