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Accept most major payment types with confidence — simply and securely.

Glossary of Terms


Leading provider of fraud prevention, chargeback management, and payment gateway solutions to merchants spanning diverse industries worldwide.

Hosted Payment Form

Allows merchants to accept and process credit cards online through a web form on a secure server.

Payment Card Industry Data Security Standard (PCI DSS)

A standard of rules that companies who store or process cardholder information and credit card data must follow.

Shopping Cart

An internet or software company that provides e-commerce tools and payment form solutions for merchant websites.


The replacement of cardholder data with an electronic file that corresponds with the original card data stored in a secure, third-party database away from the merchant’s environment.

Application Programming Interface (API)

A format used as an interface by software components to communicate with each other.

Payment Acquirer/Processor

A company (often a third party) appointed by a merchant to handle credit card transactions for merchant acquiring banks.

Payment Gateway

A service that authorises payments for e-businesses, online retailers and brick-and-mortar shops.

Software Development Kit

A set of software development tools that allows for the creation of applications for a certain software package or operating system.

Virtual terminal: (Card-Not-Present)

Keyed credit or debit transactions that are processed from e-mail, phone or internet sales.

Purchase and use of the American Express Payment Gateway are limited to merchants that accept the American Express Card. If you do not currently accept the American Express Card, you are not eligible to purchase or use the American Express Payment Gateway.

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