Payment compliance spans PCI DSS, PSD2/SCA, and data residency rules that expand every time you add a payment integration. Here’s what’s actually required, who owns each part, and where compliance programs typically break down.
3DS authentication orchestration decides which ACS, PSP, and exemption path handles each transaction instead of hardcoding one path per integration. Here’s how the routing and failover logic actually works.
A credit floor is the transaction amount above which a card issuer must authorize a purchase before it clears. Here’s how floor limits work, why card-not-present transactions always run a zero floor, and where the concept breaks down for businesses running multiple processors.