HTTP Service: Dual Write and Multi-Vault Data for Flexibility
Blog post from Basis Theory
Basis Theory’s new HTTP service is designed to let developers collect and route sensitive data, including payment card PANs and personally identifiable information, without bringing front-end applications into PCI compliance scope. By replacing a payment service provider’s payment elements with Basis Theory Elements, companies can send card data directly to third-party endpoints such as Stripe while simultaneously tokenizing it in Basis Theory’s vault, enabling a multi-vaulting approach. The service supports collecting PANs quickly without requiring a company to establish its own PCI environment or disrupt existing PSP agreements, and it can call multiple third-party endpoints for use with several payment providers. Proposed benefits include processor failover during outages, payment retry strategies, reduced disruption for high-risk merchants, and easier testing of alternative PSPs. It can also route PII directly to KYC providers without storing it, allowing businesses to retain control of their user experience while reducing exposure of sensitive data in front-end code.
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