VGS as a solution for Merchant Payment Enablers
Whether you are an ISO/ISV, Payments Facilitator, Acquirer Processor, Payment Gateway, or any other Merchant Payment Enabler, VGS offers a white-label solution to strengthen your merchant offering.
If you are a merchant yourself, check out our Use Cases and Products on the top navigation bar.
Contact Us
Your White-Label Solution
A technologically superior payments stack needs the best-of-breed across all its components.
Enhance your solution by adding a VGS Vault and offering VGS Collect and VGS Proxy to your merchants. Add on Network Tokens, Account Updater or Card Attributes.
All our products work with or without a Vault.
VGS Vault
VGS Vault is a payment acceptance and issuing enablement platform that protects sensitive information and offsets PCI compliance liability for merchants, merchant payment enablers, fintechs, and financial institutions.
VGS intercepts the sensitive data before it hits merchant servers and replaces it with aliased versions while securing the original data in their VGS Vault.
VGS Collect
VGS Collect enables merchants to obtain and operate on sensitive information without becoming liable.
It is a secure way to collect sensitive payment data from end users without touching merchant systems. Merchants can protect and secure their data in a tokenized form in their VGS Vault while controlling the user interface and input fields.
VGS Collect forms adhere to PCI, HIPAA, GDPR, and CCPA requirements to achieve customer compliance.
VGS Proxy
VGS Proxies provide a connectivity layer between a merchant's applications, servers, and third-party providers.
Proxies allow for tokenization, storage, and transformation of data in API payloads both before reaching merchant servers and after leaving them. This prevents the merchant environment from handling sensitive data and reduces PCI exposure.
Proxies maximize flexibility by supporting multiple protocols (HTTP, FTP, IVR, Email and TCP).
VGS Network Tokens
VGS Network Tokens are universal, working across multiple processors, including those that don't typically accept these.
Our Network Tokens facilitate higher authorization rates by 1-3%, lower processing fees by 10 bps, and fraudulent transactions by 30%+.*
Direct API-based integrations with networks result in lower latency and reduce time to implementation by up to 4 months.
*May vary based on merchant, region, use case, and others.
VGS Account Updater
VGS Account Updater refreshes card-on-file information with continuous or real-time updates.
Our Card Account Updater helps companies eliminate customer friction, ensure uninterrupted payments, drive recurring revenue, and consolidate processor services with one streamlined, cost-effective solution.
Direct network API-based integration with networks surpass the industry standard of file-based methods.
VGS Card Attributes/BIN Lookup
VGS Card Attributes/BIN Lookup leverages full PAN lookups to return more comprehensive, accurate data sets than traditional BIN lookups without expanding PCI compliance requirements.
Instead of shorter and changing 6- to 8-digit BINs, merchants can use full card numbers to make more informed decisions about routing strategy, improve the accuracy of fraud detection models, and achieve deeper insights into card type and user profile.
Customer Benefits
Showcase your innovation as a merchant enabler while facilitating business growth, building trust, and maximizing data security.
Enable your merchants to use the VGS Vault, VGS Collect, and VGS Proxy. Add on VGS Network Tokens, Account Updater and Card Attributes/BIN Lookup, or use them independently.
Growth
- Data Centralization - Merchants can grow more efficiently when they utilize a provider-agnostic third-party vault to centralize their data and have the flexibility of sending it to any PSP or processor without needing individual integrations
- Faster Time to Market Across Card Networks and Payment Methods - Merchants can improve payment performance with VGS Network Tokens, Account Updater, and Card Attributes/BIN Lookup while launching and growing sooner with a single provider
- Minimize Technical Lift - Merchants eliminate the need for significant engineering resources to become PCI-compliant and embed new payment technologies sooner.
Scalability
- Built for Scale - With a single universal vault, merchants can efficiently handle large data volumes and streamline transaction processing and routing.
- Flexibility - VGS Network Tokens and Real-Time Account Updater are directly integrated with the networks to optimize costs, minimize latency, and maximize revenue-generating features.
- Our Network Tokens can manage all use cases (COF, MIT/CIT, Subscriptions) and come with individual sub-TRIDs to better track and manage their use.
- Our Account Updater utilizes direct network API-based integration instead of outdated file-based methods to get faster updates.
- Network-Agnostic - Even if merchants could contract with each network, the process would be long and arduous. Instead, enable them to use a universal solution across networks.
- One Solution Across Data Types - Merchants can consolidate with a single provider to replace a fragmented solution set for data types across PCI, PII, Bank Accounts, Pay by Bank, Mobile Wallets, and more.
Security
- Enhanced Security - VGS Vault is PCI and SOC 2 compliant. It encrypts and tokenizes sensitive payment data to mitigate the risk of fraud and data breaches.
- Continuous Compliance - Adherence to PCI DSS is time-consuming and expensive. Ease your merchants' burden by removing sensitive data from their systems.
- Customer Trust - When sensitive information is secured using randomized tokens, merchants feel more confident about choosing your services.
Merchant Payment Enablers
VGS supports merchant payment enablers across the spectrum of services between acquiring banks and merchants.
As a merchant enabler in payments, you provide the tools, infrastructure, and support necessary for your customers to accept and process payments. By simplifying payment complexities, you enable your merchants to focus on their core operations.
Summary
VGS is the best-in-class option to strengthen your merchant payment solutions.
The VGS Vault is PCI-compliant and agnostic across networks, data types, and processors. VGS Network Tokens, Account Updater and Card Attributes/BIN Look up work with the Vault or separately to improve payments performance.
The VGS Platform is a valuable partner in achieving sensitive data security, regulatory compliance, operational efficiency, process optimization, and risk mitigation for merchant payments enablers and their merchant customers.
Contact Us to discuss how we can partner to create a new revenue source for you while deepening your relationships with your merchants.