Pci dss is a third-party payment industry data security standard developed by the Payment Card Industry Security Standards Committee, which sets out a set of technical and operational benchmark requirements for protecting cardholder data in terms of information security management, network security, physical security and data encryption.

Pci dss will conduct annual audits of best payment gateway for small business and other payment service providers. After the audit, the certified company will be provided with the corresponding security level qualification certificate.

3D Secure is a system security technology verification enterprise service introduced by international card organizations to cardholders to improve the security of credit card online banking payments.

It requires that when using a credit card to make a payment, one must enter a payment password, a cell phone verification code and other information that only the cardholder knows in order to verify the user's identity.

If using 3DS, this means more reliable cardholder identity verification at the cost of the issuer rather than the merchant; however, the loss of user experience and technology conversion costs; the merchant also needs to pay for this additional layer of security.

Credit card anti-fraud refers to the use of technology to reduce the incidence of payment fraud by filtering out suspicious situations before they occur.

If the anti-fraud system detects that the same ip address is attempting to make a payment using a different card number within a short period of time, and most attempts fail, it quickly determines that the ip is involved in fraud to prevent all subsequent requests from that ip.

Payment tokenization technology is an important technology officially approved by the International Chip Card Standardization Management Organization in 2014.

The principle is that after the payment gateway verifies the user's personal identity for the first time, it generates and provides an enterprise unique token for each bank card number and returns it to the merchant.

The token is used as a certificate to represent the card information during the subsequent payment service, thus avoiding the risks associated with frequent input of card information.