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Modern Web Developers Demand Simplistic Integrations – The Evolution of Payment APIs

It’s time for modern web developers to have the simplicity they need. Software vendors and developers need access to easily useable and scalable payment APIs that simplify the integration process. Derived from conversations with developers, they want a company to challenge the status quo of other mainstream payment API companies and deliver a payment API with a single integration to simplify their lives.

What Does EMV Integration Have to Do With It?

EMV integration has been at the top of most software vendors’ wish lists for some time.  When the EMV liability shift occurred the card networks had little regard for the developer community and the technical maze it would have to navigate in order to fulfill the demand of their clients.

“Business owners and software vendors were put in a tough position when the EMV liability shift came into play, as unfortunately card networks didn’t fully understand the aftermath from an integrator perspective,” said Jae Haas, President at TransNational Payments. “Business owners were expected to adhere to these new rules and now weren’t protected if there was a dispute if they did not dip the card versus swipe the card. It has become extremely difficult for developers to make the transition from magnetic stripe to chip, without requiring extensive coding hours and a structural renegotiation, this has been a huge point of frustration.”

Payment APIs, like TransNational Payments’ PI API, take the developer capabilities a step further by supporting Quick Chip EMV and eliminating the need to navigate around the LAN firewall when installing countertop and mobile devices. When it comes to card-present payments, TransNational Payments’ PI API opens the door to both existing methods, like mobile and NFC, as well as those still in development, like biometric authentication.

It is the first to provide a simple Quick Chip EMV solution included in a single integration, something that the developer community has coveted for a while. “Through a single integration, developers are not only able to gain access to more cutting-edge card-not-present set of integrations, but also card-present integration that is inclusive of supporting the EMV requirements,” states John Pitzaferro, CEO of TransNational Payments.

Modern Web Developers Demand Simple Integrations

Other mainstream payment API companies have led the way up until now, with how important the ease of integration is, but they’ve failed to provide software vendors with a complete solution that is flexible. What does this mean? These payment APIs are not processor agnostic. In addition, they do not offer a true omni-channel experience, ultimately creating more work and frustration for developers. These “closed solutions” can also add barriers to revenue growth and creativity for software vendors.

Next generation payment APIs, like TransNational Payments’ PI API, have addressed many of these developer concerns in the structure of the API itself – TransNational Payments’ decision to write the entire control panel of PI in JSON, as opposed to XML, being one of the ways. REST and JSON have become the industry standard for APIs. They are simple to read and can easily be implemented in browsers, from your server and from mobile apps.

Developers are also losing sleep at night over the potential of denial-of-service (DDoS) attacks. Moving to the cloud is one approach innovative payment technology companies are taking to mitigate DDoS attacks. Simple redeployment of servers and redirection of traffic can increase the effectiveness of thwarting attacks of any scale.

However, it’s not just cyber-attacks that developers have to worry about. Fraud, especially e-commerce fraud, is another growing concern. The PI API is the first of its kind to utilize a machine-learning AI fraud platform to detect and prevent fraudulent activity. Combined with EMV integration, this represents a particularly effective tool that developers can utilize to keep their clients protected.

Now Let’s Compare Third-Party Payment Gateway APIs

If you use other mainstream APIs, you might be asking yourself why you should bother to consider new integrations. To put things simply, the next generation of payment APIs is taking a business-centric approach, yielding greater flexibility and economic value to the software vendor.

What does this mean for you? Next generation APIs, similar to PI, are non-proprietary and are ready for integration with other payment processors, if needed.

Another enhancement with next generation payment APIs is their native ability to support card-present and card-not-present environments.

Fraud mitigation is a big priority for everyone who deals with transactions, whether they are card-present or card-not-present. And rightfully so, since online credit card fraud has seen a 22 percent growth this past holiday season. Next generation APIs help merchants and developers stay one step ahead of fraudsters by establishing a framework that utilizes a proactive approach to fraud management.

Future Proof Your Payment Ecosystem

As the payment industry continues to evolve with new payment verification and authentication methods such as biometric, two-factor authentication or other futuristic measures is your business prepared? With the continued hype and arrival of new forms of payment like P2P and cryptocurrency, you need to partner with a payment technology company that can deliver a smooth and secure payment integration platform.


At TransNational Payments, security and customer experience are paramount. TransNational Payments PI solution is a leading agnostic payment technology platform for merchants, partners and software vendors. For more information, click here.