The payment technology landscape is constantly evolving with new standards, protocols, and approaches emerging regularly. Our glossary provides clear, accurate definitions of the key concepts that power Hellgate's payment orchestration platform, in-car payment solutions, tokenization services, and broader digital commerce capabilities.
3-D Secure (3DS)
Account Information Service Provider (AISP)
Account Updater
Account-to-Account Payments (A2A)
ACH (Automated Clearing House)
Acquirer Aggregation
Acquirer API
Acquirer Optimization
Acquirer Performance Dashboard
Acquirer Redundancy
Acquirer Switching
Adaptive Authentication
Adaptive Fraud Models
Agentic Commerce
AI Governance
AI in Payments
AI Observability
AI-Driven Orchestration
Alternative Payment Methods (APMs)
AML (Anti-Money Laundering)
API Governance
API Observability
API Orchestration Layer
API Versioning
API-First Payments
Authorization API
Authorization Decline Codes
Authorization Optimisation
Authorization Rate
Backup Payment System
Behavioral Biometrics
BIN (Bank Identification Number)
BNPL (Buy Now, Pay Later)
Capture
Card Acquiring
Card Data Vaulting
Card Lifecycle Management
Card Network Integration
Card Vaulting
Card-on-File
Cascading Payments
Chargeback Analytics
Chargeback Management
Compliance Automation
Compliance-as-Code
Composable API
Composable Architecture
Composable Payments
Composable SaaS
Contextual Payments
Cross-Border Payments
CVV (Card Verification Value)
Data Enrichment
Data Lineage
Data Minimization
Data Residency
Data Sovereignty
Data Token Vault
Decision Engine
Decision Intelligence
Delegated Authentication
Developer Experience (DX)
Digital Identity Wallet
Direct Debit
Dispute
Dispute Automation
Distributed Ledger Payments
Dynamic Risk Management
Dynamic Routing
Embedded Finance
Embedded Wallets
EMV
Encrypted Data Vault
Event-Driven Architecture
Failed Transactions
Flow Engine
Fraud Detection Engine
Fraud Intelligence
Fraud Prevention
Fraud Rule Engine
Fraud Scoring
Generative Commerce
Global Acquiring
Headless Payments
Hellgate® CPA
Identity Verification
Incident Response
Independent Sales Organization (ISO)
Intelligent Payment Routing
Interchange Fee
Interchange++
Issuer
KYC (Know Your Customer)
Latency Optimization
Least Cost Routing
Link
Load Balancing
Merchant Acquiring
Merchant Advice Code (MAC)
Merchant Category Code (MCC)
Merchant Tokenization
Micro-Kernel
Mixed Basket Payments
MOTO (Mail Order, Telephone Order)
Multi-Acquirer Setup
Multi-Acquirer Strategy
Multi-Tenant Architecture
Network Certification
Network Token
Network Token Management
Network Tokenisation
Observability in Payments
Open Banking
Operational Resilience
Orchestration Layer
Orchestration Rules Engine
P2P Payments (Peer-to-Peer)
PAN (Primary Account Number)
Pay by Link
Payment Aggregation
Payment Analytics
Payment API
Payment API Gateway
Payment Authorization
Payment Compliance
Payment Data Tokenization
Payment Decline Recovery
Payment Event Streaming
Payment Failover
Payment Fraud
Payment Gateway
Payment Gateway Abstraction
Payment Health Monitoring
Payment Hub
Payment Infrastructure
Payment Initiation Service Provider (PISP)
Payment Intelligence Layer
Payment Latency
Payment Metadata
Payment Method Aggregation
Payment Method Tokenisation
Payment Network Resilience
Payment Observability
Payment Orchestration
Payment Orchestration API
Payment Orchestration Layer
Payment Reconciliation
Payment Reliability
Payment Resilience
Payment Routing
Payment Schema
Payment Service Provider (PSP)
Payout
PCI DSS Compliance
Processor API
Provider Lock-in
PSD2 Compliance
Real-Time Authorization
Real-Time Fraud Detection
Real-Time Payments
Real-Time Reporting
Real-Time Settlement
Recurring Payments
Resilient Payment Architecture
Risk Orchestration
Risk Scoring Engine
Risk-Based Authentication (RBA)
Rolling Reserve
SCA (Strong Customer Authentication)
Secure Remote Commerce (SRC)
SEPA Payments
Settlement API
Settlement Reconciliation
Settlement Visibility
Smart Retry Logic
Smart Routing
Split Payments
Token Extensions
Token Lifecycle Management
Token Vault
Tokenized Identity
Transaction Intelligence
Transaction Lifecycle
Transaction Monitoring
Transaction Reconciliation API
Transaction Risk Scoring
Transaction Routing Engine
Transactional Data Lake
Two-Factor Authentication (2FA)
