The Payment Vault That Puts You in Control

The Payment Vault That Puts You in Control

Basis Theory centralizes sensitive payment data, governs access, and routes tokens to any PSP or service, keeping architecture uniform across the card lifecycle.

Basis Theory centralizes sensitive payment data, governs access, and routes tokens to any PSP or service, keeping architecture uniform across the card lifecycle.

What the Basis Theory Vault Unlocks

What the Basis Theory Vault Unlocks

Influence over payment performance. 

Control your payment workflows without rebuilding integrations to improve auth rates.

Lessen the dependency on third parties. 

Limit data sprawl and maintain control over how payment data is stored, accessed, and used. 

Do more than process payments.

Connect simple, complex, or agentic payment flows with PSPs or non-processor endpoints.

“Controlling our destiny is what I’ve been after for all of 2025, and now we no longer have to wait for anything. Our payments are controlled in-house, I don’t have to wait for anything. I can just go do it.

“Controlling our destiny is what I’ve been after for all of 2025, and now we no longer have to wait for anything. Our payments are controlled in-house, I don’t have to wait for anything. I can just go do it.

Clara Leigh

Clara Leigh

Technical Lead at YouPay

Technical Lead at YouPay

Rent the vault, keep the data.

Rent the vault, keep the data.

These are the tools to do it: 

Proxy: Route sensitive data between software systems.
Reactors: Run server-side logic against tokenized data inside Basis Theory so your servers never handle plaintext.
Elements: Collect sensitive data without exposing it to your application.
Token Intents: Validate data before committing to a long-term token.

Capabilities you can turn on.

Capabilities you can turn on.

Vault-level features without one-off integrations to multiple providers. 

Account Updater

Stay ahead of expired card data at a fraction of the cost PSPs charge.

BIN Details

Return BIN details on any token within a single API call.

Network Tokens

Convert any card or stored card into a network-issued credential.

3DS

Meet SCA Compliance requirements with agnostic 3DS service.

Linque

Instantly unlock a customer's existing payment methods and identity to accelerate checkout.

Capabilities you can turn on.

Vault-level features without one-off integrations to multiple providers. 

Account Updater

Stay ahead of expired card data at a fraction of the cost PSPs charge.

BIN Details

Return BIN details on any token within a single API call.

Network Tokens

Convert any card or stored card into a network-issued credential.

3DS

Meet SCA Compliance requirements with agnostic 3DS service.

Linque

Instantly unlock a customer's existing payment methods and identity to accelerate checkout.

Capabilities you can turn on.

Vault-level features without one-off integrations to multiple providers. 

BIN Details

Return BIN details on any token within a single API call.

3DS

Meet SCA Compliance requirements with agnostic 3DS service.

Account Updater

Stay ahead of expired card data at a fraction of the cost PSPs charge.

Network Tokens

Convert any card or stored card into a network-issued credential.

Linque

Instantly unlock a customer's existing payment methods and identity to accelerate checkout.

Why Basis Theory?

Why Basis Theory?

Independent by Design

Bring your own partners or work with ours to keep customers transacting.

Free Migrations

Migrate card, banking, PII, and other data on your timeline without any migration fees.

Real Flexibility

Route tokens to any PSP, partner, or orchestration platform.

Resilient by Design

Built without any single-point-of-failure to keep payments processing even when the competition isn’t.

Resilient by Design

Built without any single-point-of-failure to keep payments processing even when the competition isn’t.

Documentation that can make any engineer a payments engineer.

Documentation that can make any engineer a payments engineer.

Be a leader in agentic commerce.

Be a leader in agentic commerce.

Enable agentic payment flows with Basis Theory as the foundation
Separate authentication from authorization for credentials.
Access Visa Intelligent Commerce, Mastercard AgentPay, and more.

Start Testing the Basis Theory Platform

More of the transactions you want.

Less of the risk and fraud you don't. Start testing now or discuss your use case with our team today.

More of the transactions you want.

Less of the risk and fraud you don't. Start testing now or discuss your use case with our team today.