Get ready to feel like a child in a candy store...


Cardknox was built for developers and we talk your language. With just a few lines of codes, our combination of API’s and out-of-scope SDK’s 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!


Processing + Gateway

Tens of thousands of our merchants benefit from our credit card processing services. Cardknox’s developer partner program will significantly slash 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 checks and processor routing.


Become QIR-Certified At No Cost!
Cardknox is proud to announce a QIR sponsorship program for software vendors. Per VISA requirements, small businesses can only use a POS servicer with QIR-certification. QIR (Qualified Integrator & Reseller) is a certification provided by the PCI Security Standards Council to any company that installs or services PA-DSS applications and successfully completes online training and an exam.


Join Cardknox's EMV program and get our simple integration kit, white-glove integration support and the most robust and flexible EMV solution available.

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, 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 id for each transaction. Every time a transaction is received, all credit 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, 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 will be 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 with our powerful gift card solution. We can even seamlessly migrate gift cards from 3rd party platforms so that existing card balances will remain active.

Single Terminal Processing

Process all cards from one terminal, including, credit card, EBT, Pin Debit and Gift Cards. Cardknox detects the card type and routes it accordingly.

3D Secure

3D Secure 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 integration is included with Cardknox out of the box.

White Label PA-DSS

Cardknox offers White Label  PA-DSS certification, allowing developers to leverage Cardknox's certified status and get their listed on the PCI list of validated payment applications.

ACH Processing

Full integration with ACH check processing, from the merchant console user interface or through 3rd party software programs.

Gateway Emulation

Use Cardknox with thousands of websites 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 (Personal Identification Number), which results in the lowest processing fees.

AVS Precheck

Precheck AVS response before the authorization, so that if declined, there will be no funds on 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, and if after processing, void and refund.


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.

Installment Payment Support

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

Gateway forwarding

Cardknox is available to merchants who wish to benefit from FraudCheck and other pre-processing checks, and then forward the processing to a 3rd 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 declines initially.

Custom Requests

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

We love Questions! Contact us today and let's get the conversation started.