Overview
VGS Card Management Platform (CMP)
The VGS Card Management Platform (CMP) empowers you with a secure, streamlined, and unified solution for managing your card data. Say goodbye to complex integrations and technical overhead. CMP consolidates essential card services into an intuitive platform, allowing you to focus on what matters: growing your business.
Key Services within CMP
Network Tokens: Elevate payment security and customer experience with network tokens. These unique digital identifiers replace sensitive PAN data, enhancing security while maximizing conversion rates.
Account Updater: Eliminate declined transactions and customer frustration. AU seamlessly delivers updated card information directly from issuers, ensuring your data is always current.
Benefits of CMP
Simplified Integrations: Access all core card services through a single, unified API, dramatically reducing integration complexity.
Accelerated Time-to-Market & Operational Efficiency: Deploy new services faster with customizable configurations, optimizing operations and freeing up valuable resources.
Enhanced Authorization Rates: Leverage high-quality card data to improve authorization rates and reduce payment failures.
Core Features of CMP
Account and Service Registration:
Configure accounts tailored to your organizational structure. Whether you're a direct merchant or a payment service provider (PSP), CMP supports flexible account management.
Accounts represent logical entities where services are activated by creating a unique AccountID(aka vaultID). For example, a PSP may need multiple accounts to map to each of its merchants
Unified Card Object Creation:
Create and manage card data through a single, comprehensive API, eliminating the need for multiple integrations.
Utilize the CMP Create Card endpoint to easily store and manage card objects for the created CardID
Configurable Automated Actions:
Automate actions on card objects based on your specific business rules.
Define desired actions upon card object creation during account setup, streamlining workflows.
Service-Specific Endpoints: Perform targeted actions on card objects for individual services:
Network Token Enrollment: Secure transactions and improve processing speeds by enrolling cards in network token services.
Account Updater Management: Maintain up-to-date card information, reducing declined transactions, with Account Updater subscription and management features.
These actions can be automated or manually triggered through the CMP Workflow Engine, providing flexibility and control.
In essence, CMP simplifies card data management, allowing you to focus on driving growth and improving customer satisfaction.
Forward-Compatible API Integration
As we continue to enhance CMP by introducing new features, we may add new optional fields to existing API requests and response payloads. These changes are designed to be non-breaking, but your integration must be built to handle them safely.
We recommend the following practices to ensure forward compatibility:
Design Your Integration to Be Flexible
Avoid performing strict schema validations or full JSON object comparisons for request or response payloads.
Be prepared for additional fields to appear in existing API responses.
Expect optional request parameters to be added over time.
Do not assume the order of fields in a JSON object will remain consistent.
Handle IDs and Opaque Values Robustly
CMP object IDs and tokens may evolve in length and format, including potential changes in prefixing (e.g.,
card_,bankacct_).Ensure any IDs or string values are treated as opaque and stored with adequate length (up to 255 characters). For example, if using MySQL, use VARCHAR(255) COLLATE utf8_bin for case-sensitive lookups.
Webhooks and Events
We may introduce new event types over time.
Your webhook listeners should gracefully ignore unfamiliar event types and continue processing supported ones.
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