Payment Gateway API Integration: A US Developer Guide

Last updated: 27 May 2026

Integrating a payment gateway API is about connecting your software — your e-commerce store, billing system, or CRM — directly to the gateway's services. You use their Application Programming Interface to build a bridge that handles customer payments inside your own platform. The goal is to automate the process and give the customer a clean transaction experience without sending them off to another site. The pattern of routing transactions between multiple US providers and payment rails is called payment orchestration.

Laying the groundwork for a solid API integration#

Before you write a line of code, take a step back. A successful payment gateway integration starts with a plan and a real understanding of the fundamentals. Teams that jump straight into development usually hit security gaps, expensive double-charging incidents, and a lot of frustration. Treat this planning phase as the blueprint — it makes sure everything you build later is stable, secure, and behaves the way you expect.

To get the full picture, you first need to understand how merchant accounts and payment gateways fit together. They're two sides of the same coin — we walk through the acquirer side in merchant acquirer banks and payment processing, and the gateway/processor split in what is a payment service provider.

Getting authentication right

Authentication is your front door. It's how the payment gateway confirms an API request actually came from your application and not from a bad actor trying to cause trouble. You'll typically see two methods: API keys and OAuth 2.0.

• API keys — the simplest approach. The gateway gives you a unique, secret key that you include in the header of every request. Clean, effective, and the standard for server-to-server communication where your app is the only thing talking to the gateway.
• OAuth 2.0 — a more substantial framework, used when your application acts on behalf of a user. For example, if you're building a marketplace where US merchants connect their own Stripe or Braintree accounts, OAuth 2.0 lets them grant your app limited permissions without ever sharing their secret credentials.

Which one to use depends on your situation. Server-to-server only? An API key is enough. Letting your users connect their own accounts? OAuth 2.0 is the industry standard.

Understanding the request and response flow

Every conversation with a gateway's API follows a simple rhythm: your application sends a request, the gateway sends back a response. The exchange uses JSON, which is just a clear, easy-to-read way of structuring data.

When you want to create a payment, your request might include the amount, currency, and a payment-method token. The gateway processes it and returns a transaction ID, a status (succeeded or failed), and any error codes if something went wrong. Nailing this flow keeps your records updated and gives clear feedback to your customers.

Here's the minimum shape of a payment request. Most US gateways follow the same pattern: a POST with a JSON body, an Authorization header carrying your secret key, and an idempotency key so the request is safe to retry without double-charging.

POST /v1/payments HTTP/1.1
Host: api.example-gateway.com
Authorization: Bearer sk_live_4eC39HqLyjWDarjtT1zdp7dc
Idempotency-Key: 8a3f1b2c-7d9e-4f6a-b1c2-3d4e5f6a7b8c
Content-Type: application/json

{
  "amount": 4999,
  "currency": "USD",
  "payment_method": "tok_visa_4242",
  "description": "Order INV-2026-0042",
  "capture": true
}

A successful response returns a transaction ID, the cleared amount, and a status field your application reads to confirm the order:

HTTP/1.1 200 OK
Content-Type: application/json

{
  "id": "txn_3MtwBwLkdIwHu7ix28a3tqPa",
  "amount": 4999,
  "currency": "USD",
  "status": "succeeded",
  "captured": true,
  "created": 1714032000,
  "payment_method": "tok_visa_4242"
}

Field names vary between gateways but the shape is always the same: authenticate, post a JSON body describing the payment, read the transaction ID and status from the response. Errors come back with non-2xx status codes and a structured error body — see the error-handling section below.

Pro tip: get idempotency right from day one. An idempotent request can be sent multiple times while only producing a single result. Gateways use idempotency keys — a unique value you generate per request — to prevent accidental duplicate charges when a network glitch happens. Implement this from the start and you'll save yourself some serious headaches.

Why your sandbox environment is your best friend

Never skip the sandbox. It's the test environment the payment gateway provides that behaves just like the live environment but uses test card numbers and fake data. It's your risk-free playground.

Before you go live, hammer the sandbox. Simulate everything: successful payments, every kind of decline, and various error responses. Stripe, Braintree, Authorize.Net, Cybersource, Adyen US and Worldpay (FIS) all publish test card numbers designed to trigger specific outcomes — including the soft and hard declines you need to differentiate in code. Thorough sandbox testing is the single best thing you can do to guarantee a clean launch.

Designing for security and PCI compliance#

When you're integrating a payment gateway, security isn't a checkbox on a feature list; it's the bedrock of the entire system. Getting it wrong leads to more than technical debt — it opens the door to data breaches, shatters customer trust, and brings hefty financial penalties. From the first line of code, your mission is to protect cardholder data and shrink your organization's PCI DSS footprint.

The single most powerful strategy for easing your compliance burden is tokenization. You swap highly sensitive information — the long Primary Account Number on a credit card — for a unique, non-sensitive stand-in called a token. The token can be stored safely on your systems and used for recurring payments or other actions without ever exposing the actual card details again.

By building your integration so raw card data never touches your servers, you reduce your PCI scope drastically. That translates to fewer, less complex security controls, more straightforward audits, and a lower risk profile for the business. If you need to come up to speed, our detailed PCI compliance guide is a good place to start, and the deeper architecture for US contact-center payment capture sits in PCI compliance for telephone payments.

Client-side vs server-side tokenization

When it comes to implementing tokenization, you'll face a fork in the road. The path depends on your specific payment flow and architecture.

• Client-side tokenization — the modern standard. Card details are captured directly on the user's device (browser or mobile app) and sent straight to the payment gateway. The gateway returns a token, and your server only ever handles the safe token. It's the go-to method for nearly all web and mobile payment forms.
• Server-side tokenization — here card details hit your server first before you forward them to the gateway to be tokenized. Sometimes unavoidable for specific cases (like migrating cards from a previous provider), but it puts your server squarely in PCI scope. That means much stricter, more expensive security measures.

For almost every new integration, client-side tokenization is the clear winner. It offers the biggest reduction in compliance overhead and is more secure by design. Going one step further, hosted fields or iframe-based capture (Stripe Elements, Braintree Hosted Fields, Authorize.Net Accept.js) puts you on PCI SAQ A — the smallest assessment, with 22 controls. Direct-post via JavaScript without an iframe puts you on SAQ A-EP, which adds significant additional controls because your server is now in the data path for cardholder data scripts even if it never sees the PAN itself.

Securing data in transit with encryption

Tokenization handles data at rest, but you also have to protect it as it moves across networks. That's where full encryption (E2EE) comes in. E2EE makes sure payment information is scrambled on the client's device and can only be unscrambled by the payment gateway itself. The data is unreadable to any intermediaries, including your own servers.

It's like sending a package in a locked box where only the final recipient — the payment gateway — has the key. This is usually managed with Transport Layer Security for all API calls. Make sure you're on a current secure version (TLS 1.2 or higher) and that older vulnerable protocols are explicitly disabled.

Key takeaway — your security posture is only as strong as the weakest link. Combining client-side tokenization with strong full encryption creates layered defense, safeguarding sensitive data both at rest and in transit.

Architecting secure agent-assisted flows

Things get particularly tricky in American contact centers, where an agent helps a customer make a payment over the phone. The risk of card data exposure here is real — it can be spoken aloud, accidentally captured in call recordings, or jotted on a sticky note.

This is where you need specialized tech. Solutions like DTMF suppression are designed for this exact scenario — the dedicated phone-payment capture approach pairs with whatever gateway you settle on. The customer uses their phone keypad to enter card details, but the tones are intercepted and sent directly to the payment gateway, bypassing the agent's computer and the call recording system. The agent can stay on the line to guide the customer, but the contact center environment is removed (or 'descoped') from handling any sensitive data. Most modern US contact center platforms — Five9, NICE CXone, Amazon Connect, RingCentral, Talkdesk, Zoom Contact Center, 3CX — pair with this pattern through a SIP trunk or browser-based agent integration.

As you plan your integration, design these agent-assisted flows in from day one so the architecture is secure and compliant across the board.

Want to see this working in your setup? Book a working-demo call — we'll wire up your actual phone system and show you a live capture.

Managing asynchronous events with webhooks#

It's easy to fall into the trap of thinking every payment action gets an instant, synchronous response. You send a request, you get a simple success or fail back. Job done, right? Not quite.

Many of the most important events in a payment's journey don't happen in that neat window. ACH transfers finally clearing, a recurring subscription payment going through, or — the one everyone dreads — a customer initiating a chargeback. These are asynchronous events. They happen on their own schedule, and polling the API every few seconds is hugely inefficient.

This is where webhooks become essential. A webhook is an automated message the gateway sends to your application when a specific event happens. Instead of you asking, the gateway proactively tells you: "this payment just succeeded," or "a new dispute was opened for this transaction."

Building a solid webhook system isn't optional if you want an accurate real-time picture of your transactions. It's the link that keeps your internal systems — CRM, order management, accounting — in sync with what's actually happening with your money.

Setting up your webhook endpoint

First, create a dedicated API endpoint in your application. This is a publicly accessible URL that listens for incoming notifications from the gateway. Its only job is to receive event messages and kick off your internal processes.

Once you have the URL, register it inside your gateway's dashboard and tell the gateway which events you care about. It's tempting to subscribe to everything, but you'll save processing overhead by only listening for events that actually matter to your business logic.

At a minimum you'll need to handle:

• payment.succeeded — your green light to fulfill an order.
• payment.failed — time to update the order status and let the customer know.
• dispute.created — your trigger to immediately start gathering evidence for the chargeback.
• invoice.payment_succeeded — important for subscription models to confirm a renewal.

The critical importance of signature validation

A publicly open endpoint is, by its nature, a security risk. What's to stop a bad actor from sending a fake payment.succeeded notification, tricking you into shipping products for free? This is precisely why webhook signature validation is non-negotiable.

The gateway signs every webhook request with a unique signature in the request header. The signature is created using a secret key that only you and the gateway know. Your endpoint's first job is to recalculate that signature using the message payload and your secret key. If your calculated signature doesn't match the one in the header, reject the request. That's your proof the notification is authentic and hasn't been tampered with.

Important takeaway — never process a webhook without verifying its signature. Skipping this step leaves you wide open to spoofing attacks with severe financial consequences. It's the digital equivalent of checking ID before letting someone into a secure building.

HMAC-SHA256 signature verification — the actual code path

The gateway computes the signature over a deterministic payload — typically a concatenation of the timestamp, a separator, and the raw request body — using a shared secret you both hold. The gateway sends the signature in a header (Stripe uses Stripe-Signature, Braintree uses an HMAC in a dedicated header, Authorize.Net uses X-ANET-Signature). Your server recomputes the same HMAC and compares.

// Pseudocode for HMAC-SHA256 verification
const signedPayload = `${timestamp}.${rawRequestBody}`;
const expectedSig = hmacSha256(secretKey, signedPayload).toHex();
const providedSig = parseSignatureHeader(req.headers);
if (!constantTimeEqual(expectedSig, providedSig)) reject();
if (Math.abs(now() - timestamp) > 300) reject(); // 5-min replay window

Three things go wrong most often:

1. Body parsing strips bytes. If your web framework parses JSON before your handler runs, the raw bytes the gateway signed don't match the re-serialized bytes you're hashing. Capture the raw request body before any middleware touches it.
2. String comparison instead of constant-time comparison. A simple === comparison leaks timing information that lets an attacker brute-force the signature byte-by-byte. Use a constant-time comparison (Node's crypto.timingSafeEqual, Python's hmac.compare_digest).
3. No replay-window check. If you accept signatures with any timestamp, an attacker who captures one valid webhook can replay it forever. A 5-minute window is the standard.

Idempotency keys — what they're for, where they live, how to generate them

The idempotency key is a unique identifier you send with each create-style request (charge, refund, customer create) so the gateway can deduplicate retries. If a network blip causes you to send the same request twice, the gateway sees the same key on the second attempt and returns the cached response from the first — same transaction ID, same status, no duplicate charge.

• Format: UUIDv4 is the universal default. Some gateways accept any string up to a length limit; others enforce UUID format. Either way, generate it client-side and keep it stable across retries of the same logical operation.
• Retention window: 24 hours is typical for Stripe; some gateways retain longer. After the window, the gateway forgets the key and a fresh request with the same key would be treated as new.
• Scope: the key is scoped to the endpoint and the merchant account. The same key on a different endpoint or a different merchant produces a new operation.
• Storage: persist the key alongside your local order record before you call the gateway. If your process crashes between calling the gateway and persisting the response, your retry on restart needs the same key to avoid a duplicate charge.

Retry with jitter — the right exponential backoff

Naive exponential backoff (1s, 2s, 4s, 8s) creates a thundering-herd problem when many clients fail at the same time and retry on the same schedule. The mitigation is jitter — adding randomness to the backoff so retries spread out.

The two patterns that survive production:

• Full jitter: sleep a uniformly random duration between 0 and the current backoff cap. So the first retry sleeps 0 to 1 second, the second 0 to 2 seconds, the third 0 to 4 seconds.
• Equal jitter: sleep half the backoff cap plus a uniformly random duration up to the other half. The first retry sleeps 0.5 to 1 second, the second 1 to 2 seconds, the third 2 to 4 seconds.

Full jitter spreads load more aggressively and is the AWS-recommended default for most retry use cases. Equal jitter is slightly more predictable when you're trying to bound the total wall-clock time across N retries. Either works much better than no jitter at all.

Webhook delivery patterns and queue handoff

Modern gateway webhook delivery follows a consistent pattern: the gateway sends the event, expects a 2xx response within a tight window (typically 5-10 seconds), and treats anything else (timeout, 4xx, 5xx) as a delivery failure that triggers a retry on the gateway's own schedule. Stripe retries for up to 3 days with increasing intervals; Braintree, Adyen, and Authorize.Net have similar policies.

Your handler architecture has to respect that window. The pattern that works in production:

1. Verify the signature.
2. Check whether you've already processed this event ID (idempotency on the receive side too).
3. Persist the raw event payload into a durable queue (Postgres table with a status column, SQS, Kafka — whatever you trust).
4. Respond 200 OK to the gateway.
5. A background worker pulls from the queue and does the real work — updating the order, sending the confirmation email, calling downstream systems.

This pattern keeps your webhook endpoint fast and reliable. The webhook endpoint's only job is to capture the event durably and acknowledge it; everything else can take as long as it takes without holding the gateway's HTTP connection open.

Building a resilient webhook handler

Things go wrong. Your server might be down for a moment, or a network blip could prevent a webhook from being delivered. A well-architected handler is built with that reality in mind.

Your endpoint should respond immediately with a 200 OK status to acknowledge receipt. The actual heavy lifting — updating your database, calling other services — should be handed off to a background job queue. This prevents timeouts and lets your system handle a sudden flood of notifications without falling over.

Your handler must also be idempotent. That's a fancy way of saying it should be able to process the same event notification multiple times without creating duplicate entries or actions. Gateways will retry sending an event if they don't get a quick 200 OK, so you need to be ready for repeats.

Building resilient systems with smart error handling#

Any seasoned developer knows that a truly reliable integration isn't defined by its sunny-day scenarios. The real test is how it behaves when things go wrong. In payments, you have to assume things will go wrong. Connections drop, cards get declined, and servers throw a wobbly. A resilient system anticipates this chaos and has an automated plan for every type of failure.

If you skimp on proper error handling, you set yourself up for a world of pain. It leads to a dreadful customer experience and directly translates to lost revenue. A well-thought-out system can tell the difference between a temporary hiccup and a complete dead end, giving clear feedback and even saving transactions that would otherwise be lost.

Sorting out your API errors

Not all errors are created equal, and your code needs to understand what it's dealing with to make the right move. Broadly speaking, the errors fall into a few buckets.

• Authentication errors (401 Unauthorized) — a showstopper. Your API key is wrong, expired, or doesn't have the right permissions. Not a customer issue — a critical system problem that needs immediate attention.
• Invalid requests (400 Bad Request) — this one's on you. The gateway is telling you it can't process what you sent. Missed a required parameter, used the wrong data format, sent an invalid value. The fix is in your code.
• Server errors (5xx codes) — the problem is on the gateway's end. 500 or 503 tells you their systems are having a bad day. These are perfect candidates for a retry strategy.

Soft declines vs hard declines: knowing when to quit

When it comes to payment-specific errors, the most important distinction you'll ever make is between a soft decline and a hard decline. Getting this wrong can have serious consequences.

A soft decline is a temporary setback. The customer's bank has said "no for now," but might change its mind if you ask again. Could be insufficient funds, a temporary risk-engine flag, or a transient glitch on the issuer's side.

A hard decline is final and non-negotiable. The bank has a clear reason for rejecting the payment, and trying again with the same details is pointless — and dangerous. Stolen cards, invalid card numbers, expired cards.

Important takeaway — never retry a transaction after a hard decline. Persisting can get your merchant account flagged for "card testing" by Visa or Mastercard, which leads to higher fees or even account termination. Your system needs to recognize a hard decline and immediately stop.

Smart retry logic

For temporary issues — network timeouts or 5xx gateway errors — a smart retry mechanism is your best friend. But hammering the API immediately after a failure is a terrible idea. The gold standard is exponential backoff.

1. After the first failure, wait a short fixed period (say 1 second) before trying again.
2. If that also fails, double the wait to 2 seconds.
3. Keep doubling the delay with each subsequent failure, up to a sensible limit (3-5 attempts).

This gives the gateway's servers a chance to recover without your system piling on. It's a more neighborly — and more effective — way to handle transient faults.

Handling Apple Pay and Google Pay cleanly matters in US e-commerce now. Consumers expect them as checkout options, and most modern gateway APIs expose them as first-class methods rather than separate integrations.

API error codes and recommended actions

Your error handling is only as good as your testing. The sandbox is your playground for chaos. Use test card numbers designed to trigger specific soft and hard declines. Deliberately simulate network failures to confirm your backoff logic kicks in correctly. Battle-test every failure scenario before real money is involved.

Choosing the right integration strategy#

Picking the right way to integrate a payment gateway API isn't just a technical integration detail — it's a core business decision. The choice defines your development timeline, shapes your customer's checkout experience, and determines the scale of your PCI compliance work. There's no one-size-fits-all answer; it's about finding the right fit for your business goals and the resources you have.

Get this wrong and you could waste months of development time, or end up with a clunky disjointed user journey that hurts conversion. The trade-offs are real: on one hand, you get maximum control but also take on maximum responsibility. On the other, you get minimal compliance worries but sacrifice flexibility.

The US payment gateway market is well-served — Stripe, Braintree, Authorize.Net, Cybersource, Adyen US, Worldpay (FIS) all publish strong APIs and embedded-checkout options. Developer perception generally ranks API quality in that order, with Stripe and Braintree leading on documentation, SDK coverage and ergonomics. For most American businesses the choice isn't "build it yourself" vs "host it somewhere else" any more — it's about picking the shape of integration that matches your team's capacity and compliance appetite.

The direct API integration approach

Going for a direct API integration means your developers own the entire payment process. You build the payment form from the ground up, handle card details on your own servers, and post that data directly to the gateway's API endpoints.

This approach gives you complete freedom to customize. You can design a pixel-perfect checkout that feels like a natural part of your application, building a trustworthy experience.

But with great power comes great responsibility.

• The upside — total control over UI/UX, ability to weave in complex business logic, and a completely branded customer journey.
• The downside — your entire server environment is in scope for PCI DSS SAQ D (329 controls). It demands significant development resources, deep security expertise, and carries the highest compliance cost.

Hosted payment pages for simplicity

At the opposite end of the spectrum is the hosted payment page (HPP). With this model, your customer is redirected from your site to a secure page hosted entirely by the gateway. They enter card details there, and after the transaction completes they're sent back to your site.

This is by far the quickest way to start taking payments. Because sensitive card data never touches your systems, your PCI compliance scope shrinks dramatically — usually to SAQ A (22 controls).

The trade-off is control. The customer's journey is interrupted by the redirect, and your ability to brand and customize the payment page is often limited to a logo and a few colors. For many US businesses though, this is a fair compromise for the security and simplicity it offers.

The hybrid model: embedded fields

A popular middle ground is embedded fields, delivered through a JavaScript library like Stripe Elements, Braintree Hosted Fields, or Adyen's Card Component. The payment form looks and feels like part of your website, but the individual fields for card number, expiration and CVV are secure iframes hosted by the gateway.

This genuinely offers the best of both worlds.

You keep significant control over the look and feel of your checkout page, creating a cohesive user experience. At the same time, sensitive card data is sent directly from the customer's browser to the gateway — keeping your servers out of PCI scope, much like a hosted page. You typically qualify for SAQ A.

Comparison of payment integration methods

Ultimately, the right choice depends on balancing your desire for a custom user experience against your team's capacity to handle complexity and security compliance.

Choosing your integration method — a five-question decision flow

The comparison table above tells you the trade-offs. To pick between the three approaches, walk through these questions in order:

1. Are you handling phone or agent-assisted payments? If yes, no on-site card capture method is sufficient on its own — you need DTMF masking or equivalent before the agent leg. Pair that with whatever gateway integration you choose for the rest of your channels.
2. How much PCI scope can your business absorb? If the answer is "as little as possible," go hosted page or embedded fields — both give SAQ A. If you can run a full SAQ D program (quarterly scans, segmented network, dedicated security team), direct API is on the table.
3. Does your team have dedicated payment-security expertise? Direct API integration assumes deep PCI DSS competence in-house. If your dev team is small or generalist, embedded fields give you most of the customization with a fraction of the compliance overhead.
4. How important is a fully bespoke checkout? Hosted pages limit branding to logos and a few colors. Embedded fields let you control layout, typography, and surrounding flow while the gateway handles the sensitive fields. Direct API gives total control — but only if you can carry the security burden.
5. How fast do you need to launch? Hosted pages take days. Embedded fields take weeks. Direct API integrations can take months once you factor in PCI DSS readiness, QSA assessment, and security review.

For most modern US web and mobile checkouts, embedded fields are the right answer. For phone-payment flows, the gateway choice matters less than the capture architecture in front of it — the deep dive on capture options sits in our card-not-present transactions guide, and the cloud-platform layer in cloud contact center solutions.

Common questions about API integration#

What's the real difference between a payment processor and a payment gateway?

It's common to use these terms interchangeably, but they play different roles. The payment gateway is the digital version of a card reader. Its main job is to securely capture the customer's payment details, encrypt them, and pass them along. It's the front door.

The payment processor does the heavy lifting behind the scenes. Once the gateway hands off the encrypted data, the processor talks to the card networks (Visa, Mastercard, Amex, Discover) and coordinates with the customer's issuer and your acquirer to actually move the money. Many modern providers (Stripe, Braintree, Adyen) bundle gateway and processor together, but knowing the difference matters when you're trying to figure out where a problem is coming from.

How can I test my integration without spending real money?

Any US gateway worth its salt gives you a sandbox environment — a self-contained clone of their live system that lets you fire off real API calls and run through entire transaction flows without a single dollar changing hands.

You'll get test card numbers designed to trigger specific results. One number always returns a successful payment, another triggers "insufficient funds," others simulate fraud warnings or lost/stolen card declines. The single most important thing you can do before going live is to test everything in the sandbox — successful payments, every decline code, refunds, and especially your webhook notifications.

Do I still need to care about PCI compliance if I use a gateway?

Yes, but the integration method you pick has a massive impact on how much. Your level of responsibility — known as your PCI scope — isn't fixed. The smartest move is to choose a solution where the gateway handles all the sensitive card data for you.

• Hosted payment pages — easiest path. Customer is sent to a page hosted by the gateway. Card data never touches your servers. PCI burden is minimal (SAQ A).
• Embedded fields (iframes) — a strong middle ground. The form looks part of your site, but the input fields are secure iframes hosted by the gateway. Sensitive data stays off your systems (SAQ A).
• Direct API integration — total control over UX, heaviest compliance burden (SAQ D). You're handling raw card data on your own servers.

What are webhooks, and why are they so important?

Webhooks are automated alerts the payment gateway sends to your server when something important happens. They're fundamental because they handle the things that don't happen instantly in the request/response window.

Without webhooks, you'd have to constantly poll the gateway's API asking "has that ACH transfer cleared yet?" That's inefficient and unreliable. Instead, webhooks let the gateway proactively tell your system: a payment cleared, a recurring charge failed, a customer disputed a transaction. A solid webhook handler is essential for keeping your records accurate and your business running smoothly.

Which payment gateway API is best for US telephone payments?

There's no single "best" gateway API for telephone payments — it depends on which acquirer you use and how comfortable your team is taking on PCI scope. The decisive factor isn't the gateway itself; it's whether the integration keeps card data out of your contact center. Most modern US gateway APIs (Stripe, Braintree, Authorize.Net, Cybersource, Adyen US, Worldpay FIS) work fine for phone payments when paired with a DTMF-masking layer that intercepts card details on the customer's keypad before they reach the agent or call recording. Without that layer, even the best gateway API leaves agents and recordings in PCI scope.

If your integration involves phone, chat or agent-assisted payments and you want the PCI scope to stay small, get in touch — we'll walk through how Paytia sits alongside your existing gateway integration.

Related reading#

• US Acquirer Comparison: Stripe, Braintree, Authorize.Net
• What Is Tokenization? A US Merchant's Guide
• Tokenization vs Encryption: What's the Difference?
• What Is FedNow? The US Real-Time Rail Explained
• Zelle and Real-Time Payments for Merchants

For the product side, see our Phone payment solutions solution.

Want to see this working in your setup? Book a working-demo call — we'll wire up your actual phone system and show you a live capture.