Priority’s Commerce Engine (PCE) empowers businesses to accept and manage card payments with flexibility, control, and compliance. Built to support diverse industries—from e-commerce and hospitality to government services and subscription billing—PCE handles everything from simple one-time transactions to advanced routing and reconciliation. All card features adhere to PCI DSS Level 1 standards and operate within U.S. regulatory and card network rules.

Prerequisites

Valid merchant account and card network agreements
PCI DSS Level 1 compliance for your organization
U.S. regulatory requirements and card acceptance rules apply

Compliance & Regulation Mandates

PCI DSS Level 1

All card data handling—authorization, capture, routing, and tokenization—must comply with PCI DSS Level 1 standards to secure cardholder information.

PSD2 Strong Customer Authentication

Two-factor authentication under PSD2 is required for EU card payments initiated by customers.

AML & KYC

Implement risk-based anti-money laundering controls and customer due diligence for card transactions, especially high-value or cross-border.

GDPR Data Protection

Ensure personal and payment data processed in card workflows adheres to GDPR principles, including minimization, consent, and secure handling.

Features

One-Time Card Transactions

Process a single authorization and capture cycle for ad-hoc sales. Ideal for retail and one-off service charges.

Card Tokenization

Replace sensitive card data with secure tokens. Reduce PCI scope and simplify repeat billing by referencing tokens instead of raw card details.

Advanced Routing

Leverage configurable rules to route transactions based on geography, currency, volume, or cost. Optimize approval rates and transaction costs.

Reconciliation & Reporting

Consolidate settlement data, monitor chargebacks, and generate detailed reports. Stay informed with automated notifications and clear audit trails.