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Glossary of Terms

Accertify

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

Application Programming Interface (API)

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

Hosted Payment Form

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

Payment Acquirer/Processor

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

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.

Payment Gateway

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

Shopping Cart

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

Software Development Kit

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

Tokenization

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.

Virtual terminal: (Card-Not-Present)

Keyed credit or debit transactions that are processed from 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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