Card payment is a widely used method for carrying out financial transactions conveniently and securely. 

The card features that will be active will depend on the agreement that the Merchant has with their Acquirer.

SIBS offers card transaction acceptance services in an e-commerce environment, covering the international brands Visa, Mastercard, American Express and UnionPay (UPI).

The solution is fully compliant with the efficiency and security standards stipulated by these brands, using international security standards such as PCI-DSS and 3D Secure, guaranteeing the protection of transactions.

Solutions:

• Tokenization of card data – Tokenization consists of replacing a payment card’s sensitive data, such as the Primary Account Number (PAN) and expiry date, with a unique and secure identifier called a token. The main objectives of this process are to guarantee the security of cardholder information and to reduce the exposure of merchants and the platform to PCI-DSS compliance requirements.
• Merchant Initiated Transactions (MIT) – The Merchant Initiated Transactions (MIT) operation, integrated into the SIBS Gateway platform, represents an excellent solution for processing card payments, combining operational flexibility, robust security and compliance with the highest regulatory standards. This functionality has been designed to meet the growing needs of a dynamic global market, providing Merchants with a powerful tool to carry out automatic, secure and efficient collections, without the need for continuous intervention on the part of the cardholder.
  

SIBS Gateway differentiates itself by integrating these features into a secure, high-performance ecosystem, fully compliant with PSD2 and the strictest industry standards. By automating collections and eliminating operational barriers, it enables global merchants to optimize revenue streams, improve the customer experience and increase loyalty.