Inside a Payment API: Getting a Better Payments Experience

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The payments experience is a two-sided equation: the business’s experience on the back end, and the customer’s experience on the front end. What bridges the two into one seamless outcome can be found inside a payment API.

Every business wants to get the most out of their payments experience — as does every CEO thinking about how their payments impact their bottom line. But to get a payments process that benefits both your business and your customers, you must think about what matters most to both parties. Relying on a payment API-based solution is one way your business can offer electronic payment processing in a secure, flexible environment.

Working with a payments partner like Payline gives your business access to the newly launched Payline I/O and go inside a payment API offering secure integration, instant on-boarding, and flexible funding control over key aspects of the payment experience.

Sure, we know that sounds great on paper, but how does that translate to a better payment experience — from end to end? Don’t worry, we’ll break down how a payment API can power what you’re looking for out of your payment processing.


A Developer’s Perspective: What ‘Flexibility’ Really Means Inside a Payment API

One use case for Payline I/O is giving developers the power to customize a solution that fits your business’s needs. This matters for your ability to quickly on-board merchant accounts, and better facilitate payments within your own software platform.

Flexibility, when it comes to the payments experience, means new opportunities to grow your revenue stream beyond what you previously thought possible. It also means having better control over the entire payment flow — including settlement timing and transaction disputes.

Better yet? With the right payment API solution, the resource investment you undergo when integrating payments is fully protected. From start to finish, your payments experience is instantly improved simply because you know your profits are safe, as is your customer’s data.


A Security Perspective: How A Payment API Reduces Your Risk

When relying on a solution like Payline I/O, your business has a partner by your side to help you with the collection, control and disbursement of payment funds. What that means is Payline is responsible for compliance, liability and risk loss since it serves as the registered payment facilitator. This means, for a CEO that serves businesses in a standard to modern risk merchant category, we’ve got your electronic processing needs covered through the Payline I/O gateway. This process starts with powering your payments’ experience with our API-based solution.

How can Payline’s payments API help the security side of your payments processing equation? These are just six of the benefits:

  • Funding and Settlement Control: Reduce chargebacks and improve merchant and end-user experience by funding when products or services are purchased or fulfilled.
  • Account Updater: Maintain the highest level of PCI data security for processing payments.
  • Secure Data Vault: Store credit cards securely to make subscription and recurring payments easier to manage.
  • Vault Data Transfer: Maintain ownership of customer customer data by allowing secure transfer in and out of the platform.
  • Customizable Address and CVV Verification: Balance fraud detection and purchase convenience by choosing your level of credit card verification.
  • Fraud Detection: Guard against fraudulent transactions that could put platforms and merchants at risk

Experience Payments Differently

Ready to experience payments differently? Check out how Payline’s payments API can work for your business.

Anna Lothson is a content contributor for Payline Data. She previously wrote for, as a Sr. Content Producer, where she focused on financial services and payments innovation, fraud and security, emerging payments, and FinTech news, research and thought-leadership content across the payments industry.

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