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.
3D Secure 2
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3-D Secure (3DS)
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Account Information Service Provider (AISP)
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Account-to-Account Payments (A2A)
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Account Updater
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ACH (Automated Clearing House)
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Acquirer Aggregation
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Acquirer API
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Acquirer Optimization
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Acquirer Performance Dashboard
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Acquirer Redundancy
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Acquirer Switching
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Adaptive Authentication
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Adaptive Fraud Models
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Adyen token
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Agentic Commerce
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AI-Driven Orchestration
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AI Governance
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AI in Payments
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AI Observability
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Alternative Payment Methods (APMs)
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AML (Anti-Money Laundering)
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API-First Payments
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API Governance
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API Observability
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API Orchestration Layer
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API Versioning
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Audit trail
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Authorization API
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Authorization Decline Codes
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Authorization Optimisation
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Authorization rate
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Authorization rate optimization
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Automotive Payments
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Agnostic payment tokenization vault
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Alternative payment method integration api
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AI payment fraud detection software
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Agentic ai fraud attacks
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Automated account takeover prevention
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Automated chargeback management software
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Account to account payment fraud
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Automated payment retry logic
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AI driven chargeback defense
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AML and kyc orchestration
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Automated chargeback roi calculator
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API first payment infrastructure
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Backup Payment System
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Behavioral Biometrics
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BIN (Bank Identification Number)
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BIN sponsorship
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BNPL (Buy Now, Pay Later)
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b2b payment orchestration layer
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Behavioural biometrics fraud prevention
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Behavioral velocity tracking payments
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B2B saas friendly fraud prevention
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B2B marketplace payment orchestration
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Business email compromise payment fraud
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b2b payment modernization strategy
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b2b credit card fraud prevention
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b2b cross border payment routing
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Botnet payment fraud attacks
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b2b payment orchestration case studies
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Card Acquiring
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Capture
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Card Data Vault
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Card Data Vaulting
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Card Lifecycle Management
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Card Network Integration
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Card-on-File
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Card testing
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Card Vaulting
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Cascading Payments
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CDE
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Chargeback Analytics
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Chargeback Management
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Chargeback rate
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Checkout experience
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Cloud-native tokenization
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Compliance-as-Code
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Compliance Automation
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Composable API
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Composable Architecture
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Composable Payments
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Composable SaaS
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Contextual Payments
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Conversion rate
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Credential management
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Credit card vault
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Cross-Border Payments
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Cryptograms
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CVV (Card Verification Value)
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Cybersource decision manager
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Cardholder data environment
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Chargeback fraud
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Consolidated payment reconciliation software
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Chargeback representment automation
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Compelling evidence generation software
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Chargeback to transaction ratio optimization
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Continuous machine learning fraud
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Cloud based payment orchestration platforms
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Card not present cnp fraud b2b
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Customized payment routing rules
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Data Enrichment
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Data Lineage
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Data Minimization
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Data portability
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Data Residency
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Data Sovereignty
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Data Token Vault
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Decision Engine
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Decision Intelligence
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Delegated Authentication
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Detokenization
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Developer Experience (DX)
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Digital Identity Wallet
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Direct Debit
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Dispute
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Dispute Automation
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Distributed Ledger Payments
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Dynamic data replacement
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Dynamic Risk Management
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Dynamic Routing
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Deep neural networks fraud detection
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3ds2 api integration developer guide
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Dynamic data points fraud verification
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Dynamic currency conversion routing
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Device fingerprinting payment api
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Digital wallet tokenized credentials
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Embedded
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Embedded Wallets
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EMV
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Encrypted Data Vault
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Entity extraction
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Event-Driven Architecture
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Enterprise payment gateway orchestration
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Ethoca verifi pre dispute integration
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Embedded payments fraud risk
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Enterprise fraud detection rfp questions
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Enterprise payment infrastructure cost
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Failed Transactions
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Flow Engine
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Fraud Detection Engine
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Fraud Intelligence
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Fraud prevention
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Fraud reduction
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Fraud Rule Engine
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Fraud Scoring
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Future-proofing
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Fraud rate
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Fraud precision and recall metrics
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Frictionless 3d secure checkout flow
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Fraud risk scoring thresholds
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Fraud analytics dashboards for enterprises
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Fraud data enrichment api
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Gateway token
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gdpr / dsgvo
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Generative Commerce
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Global Acquiring
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Global payment gateway aggregation
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Headless Payments
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Hellgate® CPA
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High availability
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Headless commerce payment orchestration
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Hybrid fraud insider outsider collusion
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Identity Verification
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Incident Response
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Independent Sales Organization (ISO)
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Intelligent Payment Routing
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Interchange++
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Interchange Fee
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Issuer
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Intelligent payment failover logic
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Identity verification api integration
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Intelligent payment decline salvage
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KYC (Know Your Customer)
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Latency Optimization
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Least Cost Routing
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Liability shift
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Life-cycle management
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Link
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Load Balancing
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Lloss prevention
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Legacy rule engine vs machine learning fraud
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Mastercard digital enablement service
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MDES
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Merchant Acquiring
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Merchant Advice Code (MAC)
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Merchant Category Code (MCC)
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Merchant Tokenization
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Micro-Kernel
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Mixed Basket Payments
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MOTO (Mail Order, Telephone Order)
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Multi-Acquirer Setup
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Multi-Acquirer Strategy
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Multi-Tenant Architecture
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Multi processor payment routing
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Merchant of record vs payment orchestration
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Multi acquirer routing strategy
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Mitigating false declines in high risk
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Migrating to payment orchestration
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Network Certification
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Network token
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Network token amex
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Network Token Management
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Network token mastercard
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Network token visa
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Network Tokenisation
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Network tokenization
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Network tokenization for recurring payments
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Observability in Payments
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Open Banking
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Operational costs
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Operational Resilience
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Orchestration Layer
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Orchestration Rules Engine
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Out of scope psd2 transactions
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Open banking payment orchestration
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P2P Payments (Peer-to-Peer)
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PAN (Primary Account Number)
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PAN data
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Pay by Link
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Payment Aggregation
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Payment Analytics
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Payment API
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Payment API Gateway
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Payment architecture
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Payment Authorization
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Payment Compliance
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Payment Data Tokenization
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Payment Decline Recovery
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Payment Event Streaming
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Payment Failover
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Payment Fraud
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Payment gateway
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Payment Gateway Abstraction
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Payment Health Monitoring
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Payment Hub
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Payment Infrastructure
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Payment Initiation Service Provider (PISP)
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Payment Intelligence Layer
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Payment Latency
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Payment Metadata
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Payment Method Aggregation
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Payment Method Tokenisation
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Payment Network Resilience
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Payment Observability
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Payment orchestration
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Payment Orchestration API
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Payment Orchestration Layer
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Payment Reconciliation
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Payment Reliability
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Payment Resilience
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Payment Routing
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Payment Schema
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Payment Service Provider (PSP)
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Payout
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PCI-compliance
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pci-dss
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PCI DSS Compliance
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PCI-DSS Level 1
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pci dss v4.0
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PII (Personally Identifiable Information)
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Processor API
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Provider Lock-in
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Psd2 compliance
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Payment orchestration platform providers
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Payment routing api integration
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Payment orchestration rfp template
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Payment orchestration for saas platforms
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Payment fraud network graph analysis
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Payment anomaly detection algorithms
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Payment authorization rate optimization
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Post transaction dispute alerts
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Payment orchestration pci compliance
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Payment cascading algorithms
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Payment gateway failover systems
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Payment switch vs payment orchestration
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Payment provider redundancy setup
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Payment operations automation software
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Payment orchestration vs single psp
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QSA (qualified security assessor)
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Real-Time Authorization
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Real-time decisioning
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Real-Time Fraud Detection
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Real-Time Payments
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Real-Time Reporting
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Real-Time Settlement
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Reconciliation
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Recurring Payments
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Resilient Payment Architecture
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Revenue protection
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Risk appetite
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Risk-Based Authentication (RBA)
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Risk Orchestration
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Risk Scoring Engine
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Riskified
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Rolling Reserve
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Rules-based management
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Risk based routing
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Reduce cross border fx fees orchestration
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Real time fraud risk scoring api
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Reduce false positive declines ecommerce
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Real time payments fraud prevention
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Reduce checkout friction fraud
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Recurring billing fraud prevention saas
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Rapid dispute resolution integration
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Reducing payment latency multi gateway
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SAQ (self-assessment questionnaire)
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SCA (Strong Customer Authentication)
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Scalability
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Scope reduction
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Secure Remote Commerce (SRC)
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Secure storage api
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SEPA Payments
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Settlement API
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Settlement Reconciliation
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Settlement Visibility
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Smart Retry Logic
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Smart Routing
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Split Payments
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Stripe token
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Strong Customer Authentication
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Storable credentials
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Smart routing algorithms payments
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Synthetic identity fraud prevention b2b
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Strong customer authentication psd2
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SCA exemptions payment routing
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Split payment routing architecture
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Supervised vs unsupervised fraud detection
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Scalable fraud prevention architecture
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Subscription billing dispute resolution
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Session tracking fraud signals
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TMS
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Token Extensions
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Token Lifecycle Management
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Token Vault
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Tokenized Identity
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Transaction Intelligence
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Transaction Lifecycle
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Transaction Monitoring
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Transaction Reconciliation API
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Transaction Risk Scoring
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Transaction Routing Engine
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Transactional Data Lake
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Trust and safety
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Two-Factor Authentication (2FA)
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Transparent risk scoring ai
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Unsupervised machine learning fraud detection
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Unified payment data reporting api
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VAU
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Vaulting
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Velocity checks
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Visa account updater
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VTS
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Vulnerability management
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Visa token service
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White label payment orchestration
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Webhook payment status updates
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Zero-knowledge architecture
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Zero trust payment architecture
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