Payments Blog

2 Minute Discussion about Hosted Checkout


Merchants that are looking for ways to reduce their PCI Compliance Scope, responsibilities and costs now have an answer. PCI Compliance is a set of requirements designed to ensure that companies that collect, process, store or transmit credit card information do so safely and securely. Hosted checkout is a proven method to minimize such requirements.

Hosted checkout uses technology that gives the look and feel of a merchant checkout page without the data (i.e. credit card numbers) actually being handled by the merchant. This happens because a hosted checkout i-frame allows for merchant control / appearance of the user’s experience on their website. Hosted Checkout handles the sensitive information so the merchant doesn’t have to. In other words, since the merchant didn’t collect the PCI data, it doesn’t have that onerous responsibility to protect it.

Another feature of hosted checkout is easily enabling tokenization, which replaces the real credit card number with a facsimile for future reference to the consumer’s account. Cardinal defines tokenization as the process of translating a credit card number into a random sequence of numbers/letters as a method of encryption, to enhance security during a transaction. By creating a facsimile or token that looks and feels like a credit card number, merchants can easily migrate and protect data with a tokenization solution.

Enabling a third-party hosted checkout solution allows for a quick and cost-effective way to reduce your PCI scope, enable tokenization, and protect merchant and consumer data.


To learn more about how Cardinal can help you with hosted checkout, secure your payments and FutureProof your business, connect with us or check out our website at 

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Posted by Ian Poole

Ian Poole is currently the Sales Engineering Director with an overall responsibility of Technical Sales, Market Analysis, and designing the implementation of market leading eCommerce and mCommerce solutions for new and existing Cardinal Customers. With more than six years of industry experience, Ian has been involved in many aspects of the Cardinal organization, including direct Customer support, managing Direct and Channel Integration teams, and working with solution design. He played a critical role when leading the Direct and Channel Integration teams as Cardinal expanded. Ian provides a balance between business and technology, and has played a critical role in showcasing how One Connection to Cardinal can FutureProof his Customers’ payment needs. Ian frequently speaks at industry events, in the US and internationally. Mr. Poole has a Bachelor’s Degree in Business Administration from Washington & Jefferson College.

Find me on: LinkedIn

Jan 6, 2015 9:01:59 AM

Topics: Consumer Authentication, CardinalCommerce, Hosted Checkout

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