Payment Integration (PAE)

The Payment Application Engine (PAE) is an EMV Level 3–certified middleware solution. By combining ID TECH payment hardware with pre-certified payment software, PAE eliminates the complexity of processor integrations and EMV certification, enabling faster deployment, stronger security, and lower compliance costs.

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Simplifies payment integration with ID TECH Payment Application Engine (PAE). Built for POS providers, ISVs, and system integrators — PAE removes the complexity of building and maintaining payment logic from scratch.

Flow diagram of how the PAE payment system works: the ISV host sends a transaction, the payment device prompts the customer to insert, tap, or swipe, the PAE cloud routes it to the processor, and the processor returns an approval or decline

Everything You Need to Integrate Payments with Confidence

Lower Development and Certification Costs

By providing a pre-certified payment framework, PAE removes the need for expensive certification tools and minimizes ongoing maintenance requirements.

Accelerate EMV Certification

Eliminates the need to complete your own EMV Level 3 certification, reducing integration timelines by months and accelerating product deployment.

Built for Secure Payment Acceptance

With support for P2PE-validated devices and secure transaction management, PAE helps protect cardholder data while simplifying PCI compliance requirements.

Scalable Payment Infrastructure

Supports a wide range of ID TECH payment devices and payment processors, allowing you to deploy solutions across multiple markets while maintaining consistent payment functionality.

Multi-Payment Acceptance

Enables secure processing for magstripe, EMV contact, and EMV contactless transactions across supported ID TECH devices.

Secure Tokenization and Transaction Management

PAE supports token creation, updates, and queries to enable secure payment workflows and flexible transaction management.

Comprehensive Transaction Support

Supports a wide range of payment functions including sales, refunds, reversals, pre-authorizations, and post-authorizations.

Offline Processing Capability

Store-and-forward functionality allows transactions to continue during temporary network outages, ensuring uninterrupted payment acceptance.

FAQ

What is the easiest way for ISVs to integrate payments into their software?

Middleware solutions like PAE (Payment Application Engine) are the fastest approach. They abstract payment complexity while providing secure, pre-certified functionality.

What is PAE and how does it simplify payment integration?

PAE is an EMV Level 3–certified middleware that removes the complexity of payment integration. This reduces development effort and speeds up deployment, by eliminating the need for you to perform your own EMV Level 3 certification. It can save your months of development and testing time and help ISVs launch faster.

What types of payments does PAE support?

PAE supports magstripe, EMV contact, and contactless payments. It also handles transaction types like sales, refunds, and pre-authorizations. This ensures full payment functionality.

How does PAE improve payment security?

PAE supports secure tokenization and works with P2PE-validated devices. This protects cardholder data and simplifies PCI compliance requirements.