4 Features for a Functional and Secure Payment API

4 Features for a Functional and Secure Payment API
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If you’re a software developer, you’re constantly evaluating ways to round out your product with new features and integrations. You want your software to be competitive and achieve market parity, which requires a constant race to develop the key features your customers need and additional features they’ll love.

Most businesses need to be able to accept payments, but adding payment processing to your software can be challenging. Furthermore, no business likes to operate more software applications than necessary. That’s where integrated solutions come in. Selecting the right integration is crucial. Your development resources are precious, and choosing the wrong partner could result in time you’ll never get back.

When integrating with a credit card processing API, look for the following features to select one that’s built to last and easy to implement.

Cloud Control

An easy thing to overlook (because it is so common) is native software. A cloud-based option, especially for payments, is a win-win for you and your clients as you’ll both experience reduced PCI scope. A terminal that lacks middleware and connects via REST API will keep the processing, transmitting, and storing of cardholder data strictly in the cloud-based environment. This ensures your software, your client’s computer do not fall under PCI.

That said, this is only truly helpful if your provider is PCI Level 1 certified. Look for cloud-based, PCI Level 1 providers that will protect cardholder data to the highest degree and limit your part in ensuring and maintaining compliance.


Webhooks are an important feature if you are developing a SaaS application. In comparison to long polling, webhooks are asynchronous, resulting in a better architecture for your SaaS application. You’ll obtain data with less code complexity, which reduces development resources and time to market.

Signatures API

Signatures are still an important component of taking payments — and if your software is in an industry where terms, conditions, waivers or agreements are common, you can provide an added level of convenience with digital signatures built into your integration.

By partnering with a payment API that features a customer-facing terminal, you can obtain digital signatures for all document and payment needs, helping your clients manage less paperwork and protect themselves from edge cases when a signature is required.

Tokenization API

A tokenization API can provide numerous benefits. With cards securely stored on file, your clients can simply look up the customer and run the card without inconveniencing them. This also enables the recharging, refunding and setting up of recurring billing schedules to automate a number of transaction needs. To ensure this is a positive feature for your integration, check to see how the cardholder data is secured. Tokenization is an ideal security measure to look for.

There you have it! These features and components of a credit card processing API will help your team integrate with a solution that delivers operational benefits to your end users, flexibility for your development team and reduced liability. Without reinventing the wheel — or stepping into the complex world of payment security — you can deliver an attractive and comprehensive product to your current customers and prospective users to drive up retention and sales. By offering more features, you become an indispensable product for your customers.

Do your due diligence when reviewing potential credit card processing APIs and stick to ones that are supported and built in-house. This will prevent issues down the line should a feature break or a new security protocol be implemented. Your customers should be treated like customers of the integrated business, meaning they have direct support for payment-related issues and efficient ongoing communication.

In the market for a payment API?


Do you have an existing payment integration? How is that going for you? What features would you love to see added to your payment capabilities? We’d love to hear from you!

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Christina Lavingia

Christina Lavingia delights in crafting content that helps business owners fight fraud, reduce risk and process payments with ease.

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