Your payment service provider (PSP) got you to market fast. ๐
But if your tech stack doesn't cross borders, it's not a payments strategy, it's a ceiling.
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โ ๏ธ Monthly BIN snapshots create a gap, and that gap can cost a merchant a transaction.
With Basis Theory's Bank Identification Number (BIN) service now pulling from 18 months of continuously merged data, if a BIN has been seen, the details come back. โ
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Visa's Digital Commerce Authentication Program (DCAP) matters to a merchant.
Kevin Mayes on what DCAP is, and three ways to implement it!
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Accepting digital wallets, surfacing stored payment methods instantly, and keeping systems available when traffic spikes are table stakes for shoppable ads.
Here's what it takes to make shoppable ads actually convert โ
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Adding a second PSP is smart. ๐
Paying twice for the same features is not. โ
Account Updater, Network Tokens, and 3DS...
Move them to the vault level, and the math changes entirely. ๐
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When payments work, nobody notices. When they stop, everyone looks at you. ๐
That's the reality of running payments. Whether you are working towards this role or currently have it, you'll wish this playbook existed sooner.
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Good documentation isn't a nice-to-have. It's part of the product.
No assumed context, and no gaps that require a call to fill. That's what vendor documentation should look like.
hubs.la/Q047-bBl0#DeveloperExperience#TestingAPIs#Payments
There's one field in every auth response that most merchants overlook ๐
The Network Transaction ID (NTID) is assigned by the card network during authorization and serves as proof of cardholder consent.
Worth a read. ๐
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Your PSP bundles vaulting, credential management, auth, and routing together.
Not because those functions are inseparable, but because bundling them makes it harder to leave.
Vault first.
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If you're running multiple PSPs, there's a good chance you're paying for the same features more than once. ๐ธ
Account Updater. Network Tokens. 3DS. BIN Data.
There's a better way to think about this. ๐
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If your voice agent is collecting card numbers over the phone, every system that touches that audio is in PCI scope!
The fix is to tokenize the sensitive data before it reaches the AI system. The token moves through the agent, the raw data doesn't.
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Shoppable ads are a $500B opportunity. They're also a new attack surface.
When a customer buys directly inside an app or social feed, payment data moves fast, and so does your liability if it's not handled correctly.
hubs.la/Q046yxXY0#DataSecurity#PCI#Tokenization
๐ฅ Elements are faster and easier to work with ๐ฅ
โฑ๏ธ Checkout forms are loading 2x faster.
๐ถ 85% fewer network requests.
๐ฃ A design token system so you configure it once, not per field.
A full breakdown of what we released โฌ๏ธโฌ๏ธ
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Tokenization is one of the simplest ways to reduce risk without slowing down product teams.
Instead of letting sensitive values (like PANs or SSNs) spread across databases, logs, and devices, replace them with a reference thatโs safe to store and share.
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Before you sign another PSP contract, ask about who actually controls your card data.
If any of the answers live inside a single provider's black box, you don't have a payments strategy. You have a dependency.
Davi Aquino on how to take back control ๐
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๐ซ Quit making separate API calls for BIN data ๐ซ
Most teams treat BIN enrichment as a lookup: fire a request, get the data, use it once.
Have BIN enrichments happen at the vault level. Here's why ๐๐
hubs.la/Q047ZNvn0#PaymentInfrastructure#MerchantPayments#Vault