Platform / Gateway & Vault

One gateway. Every processor you already use.

Bring your own MID and every provider you work with sits behind one integration. Cards are captured and tokenized in our PCI-scoped vault, then presented to whichever processor your rules select — so adding or switching a provider is a configuration change, not a migration.

Request access See the API

Integration surface: 1 API, 1 vault
Card data scope: SAQ A eligible
Token type: Universal + network
Deployment: Your brand, your domain

How it works

Gateway & Vault, end to end.

Four stages, each observable in the dashboard and addressable over the API.

Step 1

Capture

Hosted fields, a drop-in cashier, or full server-to-server. Card data never touches your servers.

Step 2

Tokenize

Every PAN becomes a SoniqPay universal token, plus a network token where the scheme supports it.

Step 3

Present

The token is detokenized inside our vault and presented to the processor your routing rules chose.

Step 4

Own

Tokens are portable. Add or remove a processor without re-collecting a single credential.

Scope reduction

Your engineers stop thinking about PCI.

Card data enters the SoniqPay vault at the browser or app and leaves it only at the processor boundary. Your application handles tokens, which are useless outside your account. For most integrations that moves the merchant from a full audit to a self-assessment questionnaire.

Point-to-point encryptionFields are encrypted at capture with keys your application never sees.

Detokenization at the edgeThe clear PAN exists only inside the vault, for the milliseconds a processor call takes.

Auditable accessEvery read of a token is logged with actor, purpose, and destination.

Capability	What it covers
Capture methods	Hosted fields, drop-in cashier, mobile SDK, server-to-server API
Card storage	Universal tokens, network tokens, account updater, PAR
Non-card storage	Bank credentials, wallet identifiers, stablecoin addresses
Authentication	3-D Secure 2.x with routing across multiple providers
Branding	Your domain, your styling, your descriptor — end to end

Capabilities

What you get.

Everything below ships as part of gateway & vault — no separate module, no separate contract.

Merchant-owned tokens

Your vault, your token namespace. No processor holds your customers hostage.

Network tokenization

Scheme tokens with automatic credential refresh on reissued cards.

Drop-in cashier

An embeddable checkout that loads in an iframe, webview, or native SDK, styled as your brand.

3-D Secure orchestration

Route 3DS to the ACS that performs best for the issuer and geography in question.

Vaulted alternatives

Store bank credentials, wallets, and stablecoin addresses beside cards under one customer object.

Zero-downtime provider swaps

Point a route at a new processor and the existing tokens keep working.

Rest of the stack

Works better with the pieces around it.

Each component is independently useful, but the value compounds when they share a decision path.

Bring your own MID. We will bring everything else.

Early access is opening to platforms running real volume. Tell us your stack and we will tell you plainly where the technology moves your numbers.

Request access Read the API docs