Customer Vault Credit Card Payment Storage

The secure customer vault API integration was designed for developers to address concerns about handling customer payment information. Visa and MasterCard have instituted the Payment Card Industry PCI Data Security to protect cardholder data, wherever it resides, ensuring that members, merchants, and service providers maintain the highest information security standards. The customer vault will securely encrypt credit card data and store it as a unique token until a business is ready to process a transaction from that customer.

The customer vault API is designed for programming these retail and online environments and will help to avoid the costs involved in becoming PCI compliant. The customer vault does this by allowing merchants to transmit their encrypted payment data through a Secure Sockets Layer SSL connection for storage in our Level 1 PCI certified data facility. Once the customer record has been securely transmitted to the vault, the merchant can then initiate transactions remotely through tokenization without having to access credit card data directly. This process is accomplished without the business storing vulnerable credit card numbers in their local database or payment software application.