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Keep Those Credit Card Numbers Safe

Posted on 5.14.2014

Nobody wants to be the source of the next credit card scandal. Whether the amount of information stolen is small or large (looking at you Target), stolen credit card information creates for bad business. Now though, an option is available where none of the risk is put on merchants themselves.

2Checkout, an online payment provider, has released a new series of payment API (Application Programming Interface) libraries from beta testing. The new platform, called 2Checkout Payment API, can be enabled to accept 26 different currencies and eight different credit, debit and PayPal payment methods.

Perhaps the most important aspect of the new Payment API is that the merchant who is using the platform has no accountability for the credit card information that is used. This is because none of the customer’s credit card information is held on the merchant’s servers. Instead, the payment information is transformed into a token (a string of characters that replaces sensitive information) through a process called tokenization and then processed on 2Checkout’s servers.


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“Using our technology, the merchant is no-longer liable for credit card breaches and there’s no need for them to get PCI level-1 compliance on their own, since we take full responsibility for all of that,” said Shawn Budde, CEO of 2Checkout.

This is the third checkout platform that 2Checkout offers. The other two platforms are Standard Checkout and Inline Checkout (both hosted by 2Checkout). Payment API is PCI (Payment Card Industry) Level 1 certified.

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