Overview

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.

In this guide you’ll learn

Core capabilities of card payments in PCE
How PCE ensures PCI DSS Level 1 compliance
Advanced routing and reconciliation features

Prerequisites & Limitations

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.

Feature Table

Feature	Description
One-Time Card Transactions	Process single-charge payments with immediate authorization
Card Tokenization	Securely store card details as tokens for future transactions
Advanced Routing	Route transactions to optimal gateways or processors automatically
Reconciliation & Reporting	Automate settlement, track disputes, and generate payment reports

Key Details

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.