PCI Compliance, simplified. We promise.

How It Works

PayPI integrates with payment processors to bill the customers on your behalf. Currently we support Authorize.net and Chase Paymentech, a top tier payment processor. Once you have your merchant account, PayPI acts as a transaction broker on the technical side, but not on the business side. The financial transaction (all transaction fees and money collected) remains between you and your payment processor, but all the PCI compliance challenges are off your plate and onto ours. PayPI even handles multiple merchant accounts and processors, allowing you to seamlessly use multiple payment processors.

1. Multiple payment processors and merchant accounts
2. Half the questions of a normal PCI compliance questionnaire
3. Improved customer experience, no redirects or pop-ups
4. No per transaction fees, simple flat monthly rate
5. Secure communications and storage of data

Using simple APIs, PayPI allows you to bypass the risk of receiving and having to secure cardholder
data, while allowing you the ability to reference
that data in the future for recurrent billings.

By default, supported by Authorize.net and Paymentech, but capable of supporting more.

Other providers will require you to redirect the user to their site, or force you to present the user with a popup to collect the necessary information. PayPI makes the user experience better by keeping your customer viewing your site through every step of the transaction.

Safety and Security

After integration on your site, PayPI will accept cardholder data, through javascript, directly from your customer's browser via an SSL encrypted channel. PayPI securely stores this data and communicates back to your server providing a token to allow you to access the cardholder data. With this token you can perform the standard functions of any processor: Auth, Capture, Refund, Void, etc. Your servers and network will never actually see the cardholder data.

All communications are done over SSL encrypted channels and your customer's data is stored using both database and file level encryption. The tokens handed back to your system are unique identifiers which contain no elements credit card info and are useless outside of your PayPI account. Tokenization has been examined and found to be a safe and effective means of accessing credit card data by the Payment Card Industry and by PricewaterhouseCoopers, an independent analyst firm.