“Developer Resources” Posts

Why Tokenization Is Better Than Point to Point Encryption

Why Tokenization Is Better Than Point to Point Encryption

Whether you’re a developer seeking an integrated payment solution or a business owner searching for a credit card processing partner, the security of cardholder data should be at the top of your checklist. When processing and storing credit card data via a terminal, the payment processing security standard can vary. Below, we compare the two current standards for securing cardholder data: point to point encryption and cloud-based tokenization. Point to Point Encryption vs. Cloud-Based Tokenization Point to point encryption (P2PE) encrypts data from point A, when a card is swiped or dipped in a terminal, until it reaches point…

5 Essential Features of a Payment API

5 Essential Features of a Payment API

If you’re an independent software vendor (ISV) who is evaluating payment APIs, you have much to consider. There might be a number of Payment Gateways seeking integration with your software; or maybe you want to offer your customers several partners to choose from, but you don’t know where to start. It’s important to integrate with the right payment provider because integrations take time to build. You don’t want to invest months of development work into a provider that will harm your customers with unethical billing practices, poor service or outdated technology. A bad experience for your…

What Defines PCI Scope?

What Defines PCI Scope?

Whether you’re a player in the payments space or a business processing credit cards, you’ve heard of Payment Card Industry (PCI) compliance. With the intention to optimize security around credit and debit card transactions and protect cardholder information, all parties involved in facilitating a transaction fall within PCI scope. This includes any system components connected to the cardholder data environment (CDE). Processing credit cards can involve many different components, so PCI scope varies depending on the breadth of an organization's CDE. Because of this, many businesses are unaware of the components they are responsible for and which even…

Streamline Online Payment Forms With JotForm and PayJunction

Streamline Online Payment Forms With JotForm and PayJunction

Businesses routinely make use of digital forms to tackle numerous organizational and transactional tasks. With a user base of 2.5 million worldwide, JotForm is at the forefront of easy online form creation, enabling businesses to build custom forms with simple drag-and-drop tools. No coding background is required. PayJunction, a PCI Level 1 Merchant Account Provider and Payment Gateway, received a call from JotForm about a potential payments integration. With a shared belief in paperless technology, the partnership was an obvious fit, and JotForm’s team integrated with PayJunction for its online payment forms in a matter of weeks. The…

What Is an API?

What Is an API?

The adage, ‘Don’t reinvent the wheel’ is simple. If the work has already been done, don’t waste your time duplicating it. That very idea is the core reason why APIs are so successful today. Many software companies are very good at what they do, and offer APIs so other companies don’t have to replicate the same work. An API Example Put simply, an API lets you interface your software with another. Consider this example: A software company wants to display a map in its interface, but instead of creating its own mapping technology from scratch – which would…