Priority’s Commerce Engine (PCE) empowers businesses to accept secure, seamless, and flexible payments directly on their websites and mobile applications. Built on a modern, cloud-native platform, PCE brings together operational expertise and a comprehensive suite of tools to support complex commerce and finance needs. Whether you’re processing one-time transactions, saving customer payment methods, or handling subscription billing, PCE delivers a unified, scalable solution.

Offering support for multiple payment methods—credit and debit cards, ACH Debits, and checks — PCE ensures your customers can pay however they prefer. By integrating through Passport PCE APIs, you gain a single platform for all your payment channels, unified transaction data, and powerful reporting, enabling you to launch products faster and optimize your payment flows.

Use case

Feature	Description
One-Time Payments	Process single-use transactions without storing payment details. Use cases: Retail checkout, Event registrations, Invoice or service-fee payments
Saved Payment Details	Store customer payment methods securely for repeat purchases. Use cases: Returning e-commerce customers, Subscription sign-ups, Vendor payments
Recurring Payments	Automate charges on a schedule—ideal for subscriptions & installment plans. Use cases: SaaS subscriptions, Membership dues, Installment billing.

Feature

Description

One-Time Payments

Process single-use transactions without storing payment details.

Use cases: Retail checkout, Event registrations, Invoice or service-fee payments

Saved Payment Details

Store customer payment methods securely for repeat purchases.

Use cases: Returning e-commerce customers, Subscription sign-ups, Vendor payments

Recurring Payments

Automate charges on a schedule—ideal for subscriptions & installment plans.

Use cases: SaaS subscriptions, Membership dues, Installment billing.

Payment Methods

PCE supports a variety of payment methods to suit your business needs. Choose from any of the options below.

Card

Accept and manage credit and debit card payments with PCE’s robust, compliant platform.

ACH Bank Debit

Initiate and manage ACH bank debit payments with secure, compliant API workflows.

Check Deposits

Deposit checks remotely or via lockbox with PCE’s streamlined check processing features.

Product	Capabilities
Card	Payments Core ✓ Direct Sale (Immediate Capture) ✓ Separate auth and captures ✓ Authorization Controls ✓ Incremental Auth ✓ Void authorization ✓ Capture Controls ✓ Full captures ✓ Partial captures (single/multi) ✓ Over capture ✓ Refunds ✓ Full Refunds ✓ Partial (single/multiple) ✓ Tip Adjustments ✓ Store Card Detail (Tokenization) ✓ Supported Card Brand Support ✓ Visa, Mastercard, AMEX OptBlue, Discover ✗ AMEX Direct, Discover Direct ✓ Recurring Payments Risk / Fraud Shield ✓ PCI Compliance Support ✓ Good funds model ✓ Reduce Decline Rates ✓ AVS, CVV checks ✓ Name Match Check ✓ Decline Reasons ✓ Dynamic Statement Descriptors ✓ Velocity checks Revenue Accelerator ✓ Interchange Optimization via Payment L2/L3 Line Items ✓ Cost Recovery via Surcharge Power your Platforms (Marketplace) ✓ Split Payments
ACH Bank Debit	Payments Core ✓ ACH Debit Initiation ✓ Same day ACH Payment ✓ Track Payments ✓ SEC Codes – CCD, PPD, WEB, TEL ✓ Modify Payments – Cancel, Update ✓ Refunds ✓ Full Refunds ✓ Partial / Multiple Partial ✓ Addenda Records – Single line ✓ Recurring Payments Account Validation & Verification ✓ Instant Verification via EWS ✓ Prenotification (Prenote) ✓ Micro-deposit Verification Processing / Settlement ✓ Standard ACH Processing ✓ Same Day ACH Processing ✓ ACH Reversals ✓ Automated Return handling ✓ Notification of Change handling Risk / Fraud Shield ✓ Good funds model ✓ Velocity Controls ✓ Statement Descriptors ✓ Fraud prevention ✓ Debit Blocks on high return rates
Check Deposit	Payments Core ✓ Mobile Check Deposit ✓ Lockbox Check Deposit Processing / Settlement ✓ Check Rejections and Returns handling Risk / Fraud Shield ✓ Good funds model ✓ Velocity Controls ✓ Manual review