Glossary

Glossary

Glossary

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.

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3D Secure 2

3-D Secure (3DS)

Account Information Service Provider (AISP)

Account-to-Account Payments (A2A)

Account Updater

ACH (Automated Clearing House)

Acquirer Aggregation

Acquirer API

Acquirer Optimization

Acquirer Performance Dashboard

Acquirer Redundancy

Acquirer Switching

Adaptive Authentication

Adaptive Fraud Models

Adyen token

Agentic Commerce

AI-Driven Orchestration

AI Governance

AI in Payments

AI Observability

Alternative Payment Methods (APMs)

AML (Anti-Money Laundering)

API-First Payments

API Governance

API Observability

API Orchestration Layer

API Versioning

Audit trail

Authorization API

Authorization Decline Codes

Authorization Optimisation

Authorization rate

Authorization rate optimization

Automotive Payments

Agnostic payment tokenization vault

Alternative payment method integration api

AI payment fraud detection software

Agentic ai fraud attacks

Automated account takeover prevention

Automated chargeback management software

Account to account payment fraud

Automated payment retry logic

AI driven chargeback defense

AML and kyc orchestration

Automated chargeback roi calculator

API first payment infrastructure

Backup Payment System

Behavioral Biometrics

BIN (Bank Identification Number)

BIN sponsorship

BNPL (Buy Now, Pay Later)

b2b payment orchestration layer

Behavioural biometrics fraud prevention

Behavioral velocity tracking payments

B2B saas friendly fraud prevention

B2B marketplace payment orchestration

Business email compromise payment fraud

b2b payment modernization strategy

b2b credit card fraud prevention

b2b cross border payment routing

Botnet payment fraud attacks

b2b payment orchestration case studies

Card Acquiring

Capture

Card Data Vault

Card Data Vaulting

Card Lifecycle Management

Card Network Integration

Card-on-File

Card testing

Card Vaulting

Cascading Payments

CDE

Chargeback Analytics

Chargeback Management

Chargeback rate

Checkout experience

Cloud-native tokenization

Compliance-as-Code

Compliance Automation

Composable API

Composable Architecture

Composable Payments

Composable SaaS

Contextual Payments

Conversion rate

Credential management

Credit card vault

Cross-Border Payments

Cryptograms

CVV (Card Verification Value)

Cybersource decision manager

Cardholder data environment

Chargeback fraud

Consolidated payment reconciliation software

Chargeback representment automation

Compelling evidence generation software

Chargeback to transaction ratio optimization

Continuous machine learning fraud

Cloud based payment orchestration platforms

Card not present cnp fraud b2b

Customized payment routing rules

Data Enrichment

Data Lineage

Data Minimization

Data portability

Data Residency

Data Sovereignty

Data Token Vault

Decision Engine

Decision Intelligence

Delegated Authentication

Detokenization

Developer Experience (DX)

Digital Identity Wallet

Direct Debit

Dispute

Dispute Automation

Distributed Ledger Payments

Dynamic data replacement

Dynamic Risk Management

Dynamic Routing

Deep neural networks fraud detection

3ds2 api integration developer guide

Dynamic data points fraud verification

Dynamic currency conversion routing

Device fingerprinting payment api

Digital wallet tokenized credentials

Embedded

Embedded Wallets

EMV

Encrypted Data Vault

Entity extraction

Event-Driven Architecture

Enterprise payment gateway orchestration

Ethoca verifi pre dispute integration

Embedded payments fraud risk

Enterprise fraud detection rfp questions

Enterprise payment infrastructure cost

Failed Transactions

Flow Engine

Fraud Detection Engine

Fraud Intelligence

Fraud prevention

Fraud reduction

Fraud Rule Engine

Fraud Scoring

Future-proofing

Fraud rate

Fraud precision and recall metrics

Frictionless 3d secure checkout flow

Fraud risk scoring thresholds

Fraud analytics dashboards for enterprises

Fraud data enrichment api

Gateway token

gdpr / dsgvo

Generative Commerce

Global Acquiring

Global payment gateway aggregation

Headless Payments

Hellgate® CPA

High availability

Headless commerce payment orchestration

Hybrid fraud insider outsider collusion

Identity Verification

Incident Response

Independent Sales Organization (ISO)

Intelligent Payment Routing

Interchange++

Interchange Fee

Issuer

Intelligent payment failover logic

Identity verification api integration

Intelligent payment decline salvage

KYC (Know Your Customer)

Latency Optimization

Least Cost Routing

Liability shift

Life-cycle management

Link

Load Balancing

Lloss prevention

Legacy rule engine vs machine learning fraud

Mastercard digital enablement service

MDES

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

Multi processor payment routing

Merchant of record vs payment orchestration

Multi acquirer routing strategy

Mitigating false declines in high risk

Migrating to payment orchestration

Network Certification

Network token

Network token amex

Network Token Management

Network token mastercard

Network token visa

Network Tokenisation

Network tokenization

Network tokenization for recurring payments

Observability in Payments

Open Banking

Operational costs

Operational Resilience

Orchestration Layer

Orchestration Rules Engine

Out of scope psd2 transactions

Open banking payment orchestration

P2P Payments (Peer-to-Peer)

PAN (Primary Account Number)

PAN data

Pay by Link

Payment Aggregation

Payment Analytics

Payment API

Payment API Gateway

Payment architecture

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-compliance

pci-dss

PCI DSS Compliance

PCI-DSS Level 1

pci dss v4.0

PII (Personally Identifiable Information)

Processor API

Provider Lock-in

Psd2 compliance

Payment orchestration platform providers

Payment routing api integration

Payment orchestration rfp template

Payment orchestration for saas platforms

Payment fraud network graph analysis

Payment anomaly detection algorithms

Payment authorization rate optimization

Post transaction dispute alerts

Payment orchestration pci compliance

Payment cascading algorithms

Payment gateway failover systems

Payment switch vs payment orchestration

Payment provider redundancy setup

Payment operations automation software

Payment orchestration vs single psp

QSA (qualified security assessor)

Real-Time Authorization

Real-time decisioning

Real-Time Fraud Detection

Real-Time Payments

Real-Time Reporting

Real-Time Settlement

Reconciliation

Recurring Payments

Resilient Payment Architecture

Revenue protection

Risk appetite

Risk-Based Authentication (RBA)

Risk Orchestration

Risk Scoring Engine

Riskified

Rolling Reserve

Rules-based management

Risk based routing

Reduce cross border fx fees orchestration

Real time fraud risk scoring api

Reduce false positive declines ecommerce

Real time payments fraud prevention

Reduce checkout friction fraud

Recurring billing fraud prevention saas

Rapid dispute resolution integration

Reducing payment latency multi gateway

SAQ (self-assessment questionnaire)

SCA (Strong Customer Authentication)

Scalability

Scope reduction

Secure Remote Commerce (SRC)

Secure storage api

SEPA Payments

Settlement API

Settlement Reconciliation

Settlement Visibility

Smart Retry Logic

Smart Routing

Split Payments

Stripe token

Strong Customer Authentication

Storable credentials

Smart routing algorithms payments

Synthetic identity fraud prevention b2b

Strong customer authentication psd2

SCA exemptions payment routing

Split payment routing architecture

Supervised vs unsupervised fraud detection

Scalable fraud prevention architecture

Subscription billing dispute resolution

Session tracking fraud signals

TMS

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

Trust and safety

Two-Factor Authentication (2FA)

Transparent risk scoring ai

Unsupervised machine learning fraud detection

Unified payment data reporting api

VAU

Vaulting

Velocity checks

Visa account updater

VTS

Vulnerability management

Visa token service

White label payment orchestration

Webhook payment status updates

Zero-knowledge architecture

Zero trust payment architecture

See the Hellgate Payments Cloud in action

Let our product specialists guide you through the platform, touch upon all functionalities relevant for your individual use case and answer all your questions directly.

See the Hellgate Payments Cloud in action

Let our product specialists guide you through the platform, touch upon all functionalities relevant for your individual use case and answer all your questions directly.

See the Hellgate Payments Cloud in action

Let our product specialists guide you through the platform, touch upon all functionalities relevant for your individual use case and answer all your questions directly.