Secure Payment Integration

Secure Payment Integration

Secure payment integration is one of the most critical components of the online reservation process. Ensuring that guests can safely share their card information is both a legal obligation and a commercial necessity. The Channex payment infrastructure is designed in accordance with the highest security standards.

3D Secure Verification

3D Secure verification is an additional security layer that authenticates the cardholder's identity. After the guest enters their card information, they are redirected to an additional verification process by their bank. This verification may take the form of a one-time password sent via SMS, mobile banking app approval or biometric verification. Thanks to 3D Secure, fraudulent transactions using stolen cards are largely prevented. Additionally, in 3D Secure transactions, chargeback liability shifts from the property to the card issuer, protecting the property from financial risks.

Card Data Security

Card data security covers the protection of credit card information during payment. Card data is not stored in Chexta; payments are processed through the infrastructure of licensed payment institutions with 3D Secure verification. Card information is encrypted in transit, access to payment screens is restricted by role-based permissions, and only the transaction result and the masked card details are visible on the property side.

SSL and TLS 1.3 Encryption

SSL and TLS 1.3 encryption encrypts all data communication between the guest's browser and the server. This ensures that sensitive information such as card numbers, expiration dates and security codes cannot be read by third parties. TLS 1.3 offers faster connection establishment and stronger encryption algorithms compared to previous versions. The padlock icon and HTTPS prefix on your website indicate to the guest that they are on a secure connection.

Card Data Storage Policy

The card data storage policy is one of Channex's most important security principles. The system does not store the guest's full card number on its own servers. During the payment process, card information is transmitted directly to the payment provider's secure infrastructure and processed there. On the property side, only the masked card number, with the last four digits visible, is stored. This approach minimizes risks in the event of a data breach.

Supported Payment Methods

Supported payment methods include global card brands such as Visa, MasterCard and American Express. Digital wallet options such as Apple Pay and Google Pay are also supported. Payments can be accepted in different currencies, and the exchange rate is calculated automatically.

Detailed error codes and descriptions are provided for payment errors. In cases such as insufficient funds, an expired card or 3D Secure failure, a clear error message is shown to the guest. Logs of failed payment attempts are stored for security analysis.