Pi API: Transforming the Approach to Payment Integration

The payments landscape has shifted a lot over the years. As the industry continues to advance, developers need access to payment APIs that allow them to properly adjust to these changes in a time-conscious and resource-efficient manner. TransNational Payments’ Pi, which stands for “Perfect integration,” is an innovative API that caters to developers’ demand for latest solutions and simple integrations in both card-present (CP) and card-not-present environments (CNP).

This API is built in response to not only the integration challenges created by credit card companies during the EMV liability shift but also the need to support payment technology of the future, such as near-field communication (NFC). 

Advantages of Pi for Developers

Pi comes with various advantages, many of which the developer community has been seeking for some time. Here are some highlights:

EMV Integration

Merchants naturally want to avoid chargebacks and fraud liability, which is what EMV helps accomplish. At this point, shifting to EMV should be a rather simple decision for any merchant. However, integrating with it, especially in a CP environment, has proven to be more difficult. Pi delivers the long-awaited CP integration, along with CNP integration, as well as additional ability to support Quick Chip technology. This is a solution for developers looking to create a true omni-channel payment experience for their clients.

JSON-based Design

The developer community expects modern APIs to have JSON incorporated into their designs, and Pi meets these expectations. Considering that all JavaScript engines natively speak it, any compatible web browser or web-based technology should be able to communicate directly with the payment gateway. This not only helps preserve the speed of integration by lowering friction between the front end and the server, but also makes it a lot easier to develop individual back ends for large-scale merchants.

Cloud Hosting

Pi’s stateless components are 100% cloud-based, which makes it easier for developers to mitigate DDoS attacks by redeploying servers and redirecting traffic. It also simplifies the ability to scale API’s elements to accommodate load changes.

Fraud Detection

Despite the shift to the EMV standard, credit card fraud isn’t going away anytime soon. As a result, developers need something more future-proof that will help protect their clients. Pi is the very first gateway to utilize machine-learning AI platform for smart fraud management. Its advanced algorithms help detect fraudulent transactions early and effectively.

PCI Compliance

Just like most modern payment solutions, Pi is fully PCI compliant in accordance with the requirements set by the Payment Card Industry Data Security Standard (PCI DSS).

What Makes Pi Different From Other APIs?

There are multiple solutions available on the market. To help developers decide, here are some factors that make Pi stand out:

Full Service

Pi truly is a comprehensive API designed specifically with developers in mind. While some other solutions come with comparable capabilities, they don’t offer the same inclusive experience. Pi doesn’t require additional software for either CP or CNP EMV integration, saving time and money along the way.

Open Architecture

Proprietary documentation associated with many payment processors reduces options for merchants and limits flexibility and creativity for developers. Pi, on the other hand, is a processor-agnostic API that relies on open-source architecture to help all parties achieve more.

Flexible Pricing

Some APIs come with pricing structures that make them cost prohibitive for larger merchants, but Pi takes a different route. It comes with flexible pricing that can be adjusted to each customer’s situation, making simple integrations accessible and affordable for businesses of any scale.

Expert Support

Even the most advanced API wouldn’t be complete without proper assistance, which is why Pi is backed by a world-class strategic partnerships program that provides dedicated support to independent software vendors (ISVs), e-commerce processors and financial institutions. In addition, it grants all developers and merchants access to in-house customer service available 24/7.

Modern web development is supposed to be all about seamless integration and flexibility. Pi makes this goal a reality by not being specifically tied to the limitations of hardware, but instead leveraging recent advances in the payment technology to continue shifting with the industry. Interested developers can view Pi’s documentation here.