ProPay® supports merchant processing needs by offering both a tokenized and non-tokenized approach to accepting credit and debit card payments.
ProPay's ProtectPay® tokenization service is recommended for most merchants because it enables processing without the need for sensitive data to touch the merchant's own network. Using ProtectPay® helps merchants maintain compliance with the PCI data security standard, and allows them to focus on growing a business while ProPay® helps to protect sensitive data.
For merchants who are comfortable managing their own data security, and who can validate their own PCI compliance, ProPay® provides a simpler API-only option to accept credit and debit cards.
Merchants looking for secure payment tokenization for the purpose of PCI compliance, mitigating risk, and protecting cardholder data should use this path.