# Basis Theory

> Basis Theory is a payment infrastructure platform that tokenizes, routes, and optimizes payments to drive conversion, resilience, and retention—without forcing reliance on any single processor.

Basis Theory is more than a token vault. It provides an agnostic payment vault and routing layer that lets merchants, fintech platforms, vertical SaaS companies, and marketplaces collect, secure, and control their payment data independently of any payment service provider (PSP). By separating data ownership from payment processing, Basis Theory gives businesses the flexibility to route to any processor, reduce churn, boost authorization rates, and stay ahead of compliance requirements—all without rebuilding their payment stack.

Basis Theory is PCI Level 1 certified, SOC 2 Type II compliant, ISO 27001 certified, and HIPAA compliant. Data migrations are always free and fully supported.

## Core Platform Capabilities

**Elements** — Collect sensitive payment data (cards, bank accounts, PII) directly from the browser or mobile app without that data ever touching your servers. Replaces processor iFrames with a processor-agnostic, reusable collection layer.

**Secure Data Vault** — Tokenize and store payment credentials in a PCI Level 1 environment. Tokens are portable across any processor or endpoint, and all access is governed by fine-grained permissions and audit logs.

**Proxy** — Route raw or tokenized sensitive data to any downstream API, processor, or partner without exposing plaintext to your servers. Keeps your systems out of PCI scope.

**Reactors** — Execute server-side code against tokenized data within Basis Theory's secure environment, enabling transformations and integrations without decrypting data in your infrastructure.

**Token Intents** — Validate payment data before committing it to a permanent token, reducing failed tokenizations and improving checkout reliability.

## Add-Ons & Vault Features

**Network Tokens** — Convert any vaulted card into a network-issued credential (via Visa or Mastercard) in minutes rather than months. Improves approval rates on merchant-initiated and recurring transactions, reduces interchange fees, and limits exposure from card reissuance or expiration.

**Account Updater** — Automatically refresh expired or reissued card data. Available in batch (periodic bulk updates) and real-time (on-demand per-token) modes. Reduces involuntary churn without requiring customers to re-enter card details.

**BIN Details (Enhanced BIN Service)** — Returns card metadata (network, product type, issuing bank, country) on any vaulted token via a single API call. Used to optimize routing decisions, reduce fraud, and improve customer experience.

**3D Secure (3DS)** — Processor-agnostic 3D Secure authentication for Strong Customer Authentication (SCA) compliance. Supports both processor-specific and standalone implementations.

**Linque (Payment Method Discovery)** — Instantly surface a customer's existing payment methods at checkout using only a name and phone number. Covers approximately 80% of U.S. consumers, delivers full PANs and account health signals, and provides up to a 50% lift in conversions vs. guest checkout. Compatible with Stripe, Braintree, Adyen, and other major processors.

## Solutions

**Payment Vault / Data Independence** — Own your payment data independent of any processor. Route to any PSP, switch or add processors without data migrations, and maintain full control over the card lifecycle.

**Multi-PSP Routing** — Eliminate single points of failure by connecting to multiple payment service providers. Route transactions based on cost, performance, or availability. Retry failed transactions across processors in real time.

**Monetize Payments (for Vertical SaaS & Marketplaces)** — Enable embedded payments and generate transaction revenue without taking on PCI compliance overhead. Let merchants bring their own processor while you own the underwriting data and orchestration layer.

**Agentic Commerce** — Provide secure payment infrastructure for AI agents. Issue virtual cards, prefill checkout forms via proxy, manage scoped and permissioned agent access to credentials, and support direct card processing as merchant of record. Integrates with Visa Intelligent Commerce and Mastercard AgentPay.

**Payment Method Discovery (Linque)** — Reduce checkout friction and increase authorization rates by surfacing verified, enriched payment methods at the point of purchase without changing PSP or e-commerce platform.

**Data Consolidation** — Normalize and unify payment credentials from multiple vaults, processors, and legacy systems into a single, governed token store.

## Use Cases

- **E-commerce** — Combine omnichannel card data, reduce checkout friction, increase basket size and brand loyalty
- **Subscriptions** — Smart retries, network tokens, account updater, and backup PSP routing to protect recurring revenue
- **Vertical SaaS (VSaaS)** — Enable merchants to bring their own processors or help platforms become payment facilitators
- **Creator Economy** — Protect against PSP shutdowns with processor-agnostic vaulting and multi-PSP redundancy
- **Digital Health** — HIPAA-compliant vaulting and payment flows for healthcare and telemedicine businesses
- **Fintech** — Flexible infrastructure for embedded finance, lending, and money movement products
- **Gaming** — Reduce chargebacks and failed payments with real-time retry and multi-PSP routing
- **Travel** — Route failed transactions to backup processors to ensure payment completion
- **Remittance** — Securely handle cross-border payment credentials and routing

## Developer Resources

- **Documentation**: https://developers.basistheory.com
- **API Reference**: Full REST API for managing tokens, proxies, reactors, and vault operations
- **SDKs**: .NET, Java, Go, Node.js, Python, Terraform (server-side); React, JavaScript (web); iOS, Android, React Native (mobile)
- **Basis Theory Labs**: Code examples, accelerators, and integration guides

## Key Pages

- [Homepage](https://basistheory.com/): Overview and core value proposition
- [Platform Overview](https://basistheory.com/platform): Full feature set including Elements, Proxy, Reactors, and vault add-ons
- [Network Tokens](https://basistheory.com/platform/network-tokens): Network tokenization details and use cases
- [Account Updater](https://basistheory.com/platform/account-updater): Card data refresh capabilities
- [BIN Look-Up](https://basistheory.com/platform/bin-look-up): Enhanced BIN metadata service
- [3D Secure](https://basistheory.com/platform/3ds): Processor-agnostic SCA compliance
- [Payment Vault Solution](https://basistheory.com/solution/payment-vault): Data independence and processor-agnostic vaulting
- [Multi-PSP Solution](https://basistheory.com/solution/multi-psp): Backup routing and resilience
- [Monetize Payments](https://basistheory.com/solution/monetize-payments): Embedded payments for vertical SaaS
- [Agentic Commerce](https://basistheory.com/solution/agentic-commerce): AI agent payment infrastructure
- [Payment Method Discovery](https://basistheory.com/solution/payment-method-discovery): Linque checkout optimization
- [Data Consolidation](https://basistheory.com/solution/data-consolidation): Unify payment data across sources
- [Add-Ons](https://basistheory.com/add-ons): Full list of vault add-on services
- [Why Basis Theory](https://basistheory.com/why-basis-theory): Differentiators, architecture, and partnership model
- [Security](https://basistheory.com/security): PCI, SOC 2, ISO 27001, HIPAA certifications and compliance details
- [Pricing](https://basistheory.com/pricing): Plans starting at $995/month; Starter, Scale, and Enterprise tiers
- [Pricing Details](https://basistheory.com/resources/pricing-details): Detailed breakdown of plan inclusions
- [Partnerships](https://basistheory.com/partnerships): Partner program and integration ecosystem
- [Contact](https://basistheory.com/contact): Sales, support, and integration inquiries
- [Developer Documentation](https://developers.basistheory.com): API reference, SDKs, guides, and quickstarts

## Use Case Pages

- [E-commerce](https://basistheory.com/use-cases/ecommerce)
- [Subscriptions](https://basistheory.com/use-cases/subscriptions)
- [Vertical SaaS](https://basistheory.com/use-cases/vsaas)
- [Creator Economy](https://basistheory.com/use-cases/creator-economy)
- [Digital Health](https://basistheory.com/use-cases/health)
- [Fintech](https://basistheory.com/use-cases/fintech)
- [Gaming](https://basistheory.com/use-cases/gaming)
- [Travel](https://basistheory.com/use-cases/travel)
- [Remittance](https://basistheory.com/use-cases/remittance)

## Compliance & Legal

- [Terms of Service](https://basistheory.com/resources/terms-of-service)
- [Privacy Policy](https://basistheory.com/resources/privacy-policy)
- [Master Services Agreement](https://basistheory.com/resources/master-services-agreement)
- [Subprocessors](https://basistheory.com/resources/subprocessors)
- [Cookie Policy](https://basistheory.com/resources/cookie-policy)