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Simple API & SDK

Cardknox was built for developers and we speak your language. With just a few lines of code, our combination of APIs and out-of-scope SDKs enables you to make systems EMV-ready and employ the highest level of PCI compliance.

Our API sample scripts are ready to go – no libraries needed!
Try them now!

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Multiple Integration Options

Browser-Based POS

The Cardknox solution for Browser-Based POS Systems (BBPOS) allows you to automate the entire payment flow while remaining out of PCI scope.

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iFields

Cardknox iFields are the secure way to build payment forms while retaining full control over the flow, layout, and design.

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Plugins for Popular Shopping Carts and ERP Solutions

Our payment plugins provide the most secure transaction. Using our proprietary iFields technology, sensitive card data completely bypasses the host server, significantly reducing your PCI scope and liability. We have plugins for shopping carts like WooCommerce and Magento, as well as popular ERP solutions such as NetSuite and QuickBooks.

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Processing + Gateway

Tens of thousands of our merchants benefit from our credit card processing services. Cardknox’s developer partner program significantly slashes your merchant’s processing costs while offering the industry’s most aggressive partner program.

Gateway Only

While most of our merchants choose the simplicity of Cardknox’s full-stack payments, our gateway-only option offers your clients the flexibility to use their own merchant account. Our gateway-only option also adds significant value by offering pre-processing functions such as fraud screening and processor routing.

World of Features

EMV Ready

EMV chip-cards feature an added layer of security to greatly reduce fraud and chargebacks. Join Cardknox’s EMV program and get our simple integration kit, plus processing discounts and perks.

Intelligent Routing

At the core of Cardknox is our routing engine which is a set of features that runs circles around traditional gateways. Described by an industry leader as “magical,” we perform over a dozen checks and route the transaction accordingly.

Validated P2PE

Cardknox’s validated P2PE solution encrypts data from the point of interaction until it reaches Cardknox. A combination of secure devices, applications, and processes make transactions completely secure.

PCI Simplified

Every merchant’s fear is the lengthy process to become PCI compliant. With Cardknox, since your system never touches actual credit card data, so you are instantly covered with end-to-end Level I PCI-DSS – no strings attached.

Real tokenization

Cardknox developed a true tokenization system that does not simply encrypt sensitive data, but assigns a unique identifier for each transaction. Every time a transaction is received, all payment card and personal data is stored in our vault, and a token is sent to your system. That token can be used to invoke future transactions without the card details being sent each time.

Amex next-day funding

When using our full-stack payments, we can route transactions based
on each processing platforms cutoff time, ensuring next day funding on all credit cards, including American Express. There is no more need for multiple terminals.

Online Fraud Protection

This is not your basic fraud tool! Transactions are scanned and rated in milliseconds, but unlike other fraud tools that provide confusing scores, we give you simple Yes/No decisions are given and all approvals are guaranteed. If a transaction is approved and is subsequently charged back for fraud, all losses are covered.

Card Updater

Our card updater feature, in conjunction with tokenization, automatically keeps credit cards in our vault updated, so subsequent transactions are not declined.

Gift Cards

Process gift cards with ease using our powerful gift card solution. We can even seamlessly migrate gift cards from third-party platforms so existing card balances will remain active.

Single Terminal Processing

Process all payment cards from one terminal, including credit card, EBT, PIN (Personal Identification Number) debit, and gift cards. Cardknox detects the card type and routes it accordingly.

3D Secure

3D Secure 2/0 technology is a fraud prevention solution tying the merchant, issuing bank, and Visa/Mastercard into a collective solution that is the most secure solution for online transactions available. 3D Secure 2.0 integration is included with Cardknox out of the box.

ACH Processing

Get full integration with ACH check processing, from the merchant console user interface or through
third-party software programs

Gateway Emulation

Use Cardknox with thousands of web sites and applications that are configured for many popular gateways, even if they do not directly support Cardknox.

Pin Debit

Full-featured debit card processing, including secure PIN debit, which results in the lowest processing fees.

AVS Precheck

Precheck AVS (Address Verification System) response occurs before the authorization, so if the transaction is declined, there is no temporary hold on the customer’s card.

Void to Release & Refund

When voiding a transaction, you can set your application to force a release of the hold. After a transaction is processed, you can void and issue a refund.

Multi-token Processing

Enable cross-account tokenization to allow the same token to be used across multiple Cardknox accounts.

Terminal SDK

SDK for Ingenico, Verifone, Pax, plus many more terminals, making Cardknox integration a snap.

EMV for Browser-Based POS

Cardknox offers an ingenious solution to enable POS systems to become EMV compatible with one quick solution.

Payment Support

Allow customers to split payments into installments to promote higher average purchase price and increase sales.

Gateway Forwarding

Cardknox enables merchants who wish to benefit from FraudCheck and other pre-processing checks, and then forward the processing to a third-party gateway.

Decline Re-routing

Some processors are stricter than others when issuing declines. Cardknox can be configured to try an alternate processor if the transaction initially declines.

Custom Requests

Many of our features have come about from close integration with POS systems. If you have a custom request or configuration, just ask us!

We love questions!

Contact us today and let’s get the conversation started.