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)
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3D Secure 2
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Account Information Service Provider (AISP)
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Account Updater
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Account-to-Account Payments (A2A)
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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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Agentic Commerce
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AI Governance
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AI in Payments
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AI Observability
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AI-Driven Orchestration
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Alternative Payment Methods (APMs)
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AML (Anti-Money Laundering)
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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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API-First Payments
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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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Automotive Payments
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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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BNPL (Buy Now, Pay Later)
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Capture
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Card Acquiring
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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 Vaulting
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Card-on-File
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Cascading Payments
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Chargeback Analytics
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Chargeback Management
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Compliance Automation
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Compliance-as-Code
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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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Cross-Border Payments
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CVV (Card Verification Value)
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Data Enrichment
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Data Lineage
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Data Minimization
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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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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 Risk Management
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Dynamic Routing
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Embedded
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Embedded Finance
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Embedded Wallets
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EMV
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Encrypted Data Vault
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Event-Driven Architecture
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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 Rule Engine
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Fraud Scoring
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Generative Commerce
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Global Acquiring
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Headless Payments
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Hellgate® CPA
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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 Fee
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Interchange++
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Issuer
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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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Link
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Load Balancing
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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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Network Certification
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Network Token
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Network Token Management
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Network Tokenisation
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Observability in Payments
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Open Banking
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Operational Resilience
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Orchestration Layer
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Orchestration Rules Engine
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P2P Payments (Peer-to-Peer)
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PAN (Primary Account Number)
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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 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 DSS Compliance
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PCI-DSS Level 1
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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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Real-Time Authorization
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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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Risk Orchestration
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Risk Scoring Engine
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Risk-Based Authentication (RBA)
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Rolling Reserve
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SCA (Strong Customer Authentication)
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Secure Remote Commerce (SRC)
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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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Strong Customer Authentication
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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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Two-Factor Authentication (2FA)
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