Payment Glossary
Quick Reference
3DS (3-D Secure)
PT-BR: 3D Secure | zh-CN: 3D安全验证
Authentication protocol that adds a verification step during online card payments. A55 supports 3DS 2.x, which uses risk-based authentication to minimize friction while meeting SCA requirements.
Acquirer
PT-BR: Adquirente | zh-CN: 收单机构
Financial institution or payment processor that processes card transactions on behalf of merchants. A55 routes transactions to multiple acquirers across Latin America, including Cielo, Directa24, Unlimit, Bamboo, OpenPay, and Monnet.
Anti-fraud
PT-BR: Antifraude | zh-CN: 反欺诈
Systems and rules that evaluate transaction risk before authorization. A55 integrates with third-party anti-fraud providers and supports pre-authorization risk scoring.
Authorization
PT-BR: Autorização | zh-CN: 授权
The process of verifying that a cardholder has sufficient funds and the transaction is legitimate. An authorization hold reserves funds but does not transfer them.
BIN (Bank Identification Number)
PT-BR: BIN (Número de Identificação Bancária) | zh-CN: 银行识别码
The first 6–8 digits of a card number, identifying the issuing bank and card type. A55 uses BIN data for intelligent routing.
Boleto
PT-BR: Boleto Bancário | zh-CN: 巴西银行票据
Brazilian payment slip that can be paid at banks, ATMs, or online banking. Boletos have an expiration date and generate a barcode for payment.
Capture
PT-BR: Captura | zh-CN: 扣款
The process of finalizing an authorized transaction and initiating fund transfer. A55 supports auto-capture and manual capture.
Chargeback
PT-BR: Contestação / Chargeback | zh-CN: 退单/拒付
A forced transaction reversal initiated by the cardholder's bank, typically due to fraud or disputes. Merchants bear liability unless they win the dispute.
CLABE
PT-BR: CLABE | zh-CN: CLABE银行账号
Standardized 18-digit Mexican bank account number (Clave Bancaria Estandarizada) used for interbank transfers including SPEI.
Client Credentials
PT-BR: Credenciais do Cliente | zh-CN: 客户端凭证
OAuth2 grant type used for server-to-server authentication. A55 uses client_id and client_secret to issue bearer tokens.
CNPJ
PT-BR: CNPJ (Cadastro Nacional da Pessoa Jurídica) | zh-CN: 巴西企业注册号
Brazilian business registration number (14 digits). Required for merchant onboarding and used in payer identification for B2B transactions.
CPF
PT-BR: CPF (Cadastro de Pessoas Físicas) | zh-CN: 巴西个人税号
Brazilian individual taxpayer registration number (11 digits). Required as payer identification for most Brazilian payment methods.
Currency Code
PT-BR: Código de Moeda | zh-CN: 货币代码
ISO 4217 three-letter code identifying the transaction currency. A55 supports BRL, MXN, CLP, COP, PEN, ARS, USD, and EUR. Each currency has a defined number of decimal places (minor units) — see Zero-decimal Currency.
| Code | Currency | Decimals | Example amount |
|---|---|---|---|
| BRL | Brazilian Real | 2 | 150.00 |
| MXN | Mexican Peso | 2 | 2500.00 |
| USD | US Dollar | 2 | 100.00 |
| EUR | Euro | 2 | 91.45 |
| PEN | Peruvian Sol | 2 | 350.00 |
| ARS | Argentine Peso | 2 | 85000.00 |
| CLP | Chilean Peso | 0 | 50000 |
| COP | Colombian Peso | 0 | 200000 |
CVV (Card Verification Value)
PT-BR: CVV (Código de Verificação do Cartão) | zh-CN: 卡验证码
3- or 4-digit security code printed on the card. A55 never stores CVV — it is used only during authorization and immediately discarded.
DDC (Device Data Collection)
PT-BR: DDC (Coleta de Dados do Dispositivo) | zh-CN: 设备数据采集
Browser fingerprinting step in 3DS authentication that collects device information to assess transaction risk.
Decline
PT-BR: Recusa / Declínio | zh-CN: 拒绝
Transaction rejection by the issuer or acquirer. Decline codes indicate the reason (insufficient funds, expired card, fraud suspicion).
Entity
PT-BR: Entidade | zh-CN: 实体
Top-level organizational unit in A55 representing a business. Identified by entity_uuid.
FX Rate
PT-BR: Taxa de Câmbio | zh-CN: 汇率
Foreign exchange rate applied when the transaction currency differs from the settlement currency.
Gateway
PT-BR: Gateway de Pagamento | zh-CN: 支付网关
Service that transmits transaction data between merchants and acquirers/processors. A55 acts as a payment gateway and orchestrator.
HMAC
PT-BR: HMAC | zh-CN: 哈希消息认证码
Hash-based Message Authentication Code used to verify webhook payload integrity and authenticity.
Idempotency
PT-BR: Idempotência | zh-CN: 幂等性
Property ensuring that making the same API request multiple times produces the same result. Critical for payment operations to prevent duplicate charges.
Idempotency Key
PT-BR: Chave de Idempotência | zh-CN: 幂等键
Unique identifier (UUID v4) sent in the Idempotency-Key header to prevent duplicate processing of the same request.
Interchange
PT-BR: Intercâmbio / Taxa de Intercâmbio | zh-CN: 交换费
Fee paid by the acquirer to the card-issuing bank on each transaction. Set by card networks (Visa, Mastercard) and varies by card type and merchant category.
Issuer
PT-BR: Emissor | zh-CN: 发卡行
The bank or financial institution that issued the payment card to the cardholder.
JWT (JSON Web Token)
PT-BR: JWT (Token Web JSON) | zh-CN: JSON网络令牌
Token format used by A55 for bearer authentication. Contains encoded claims about the client and expiration.
KYB (Know Your Business)
PT-BR: KYB (Conheça seu Negócio) | zh-CN: 了解你的企业
Due diligence process to verify business identity and legitimacy during merchant onboarding.
KYC (Know Your Customer)
PT-BR: KYC (Conheça seu Cliente) | zh-CN: 了解你的客户
Identity verification process for individual customers, required by anti-money laundering regulations.
LGPD
PT-BR: LGPD (Lei Geral de Proteção de Dados) | zh-CN: 巴西通用数据保护法
Brazil's General Data Protection Law, analogous to GDPR. Governs how personal data (including payment data) is collected, processed, and stored.
MDR (Merchant Discount Rate)
PT-BR: MDR (Taxa de Desconto do Lojista) | zh-CN: 商户折扣率
Percentage fee charged to merchants on each transaction, covering interchange, scheme fees, and acquirer margin.
Merchant
PT-BR: Lojista / Comerciante | zh-CN: 商户
Business that accepts payments through A55. Identified by merchant_uuid within an entity.
MID (Merchant Identification Number)
PT-BR: MID (Número de Identificação do Lojista) | zh-CN: 商户识别号
Unique identifier assigned by an acquirer to a merchant. A55 manages MIDs internally for each acquirer relationship.
Network Token
PT-BR: Token de Rede | zh-CN: 网络令牌
Card network-level token (Visa/Mastercard) that replaces PAN for improved authorization rates and lifecycle management.
OXXO
PT-BR: OXXO | zh-CN: OXXO便利店支付
Mexican convenience store payment method. Customers receive a barcode to pay in cash at any OXXO location.
PAN (Primary Account Number)
PT-BR: PAN (Número Primário da Conta) | zh-CN: 主账号
The full card number (typically 16 digits). A55 tokenizes PANs and never exposes them in API responses.
Partial Capture
PT-BR: Captura Parcial | zh-CN: 部分扣款
Capturing less than the originally authorized amount. Useful for e-commerce when only part of an order ships.
PCI DSS
PT-BR: PCI DSS (Padrão de Segurança de Dados da Indústria de Cartões) | zh-CN: 支付卡行业数据安全标准
Payment Card Industry Data Security Standard. A55 adheres to PCI DSS requirements, maintaining enterprise-grade security so that our partners can accept card payments with confidence. A55 handles card data encryption, tokenization, and secure storage on your behalf.
PIX
PT-BR: PIX | zh-CN: PIX即时支付
Brazilian instant payment system operated by the Central Bank of Brazil (BACEN). Transactions settle in seconds, 24/7/365.
Provider
PT-BR: Provedor / Adquirente | zh-CN: 支付服务商
An acquirer or payment processor that A55 connects to for transaction processing. A55 integrates with 29 providers.
Rate Limiting
PT-BR: Limitação de Taxa | zh-CN: 速率限制
Mechanism that restricts the number of API requests per time window (100 req/min per API key) to protect service stability.
Refund
PT-BR: Reembolso / Estorno | zh-CN: 退款
Returning funds to the cardholder after a completed transaction. A55 supports full and partial refunds.
Request ID
PT-BR: ID da Requisição | zh-CN: 请求标识
Unique identifier returned in every A55 API response. Use this when contacting support for faster issue resolution.
Retry
PT-BR: Retentativa | zh-CN: 重试
Automatically re-sending a failed request. Must be combined with idempotency keys and exponential backoff.
SAQ (Self-Assessment Questionnaire)
PT-BR: SAQ (Questionário de Autoavaliação) | zh-CN: 自评问卷
Self-Assessment Questionnaire used in the payment card industry. A55 handles the security requirements so you can focus on your business.
Settlement
PT-BR: Liquidação | zh-CN: 结算
The process of transferring captured funds from the acquirer to the merchant's bank account, minus fees.
SPEI
PT-BR: SPEI | zh-CN: SPEI墨西哥银行转账
Mexico's interbank electronic payment system (Sistema de Pagos Electrónicos Interbancarios). Used for bank transfers with CLABE accounts.
Tokenization
PT-BR: Tokenização | zh-CN: 令牌化
Replacing sensitive card data (PAN) with a non-sensitive token. A55 tokenizes cards so merchants never need to store raw card numbers.
Void
PT-BR: Cancelamento / Void | zh-CN: 撤销
Canceling an authorized but not yet captured transaction. No funds were moved, so no refund is needed.
Wallet
PT-BR: Carteira | zh-CN: 钱包
A55 API object that groups charges under a single container. Identified by wallet_uuid.
Webhook
PT-BR: Webhook | zh-CN: 网络钩子/回调通知
HTTP callback that A55 sends to your server when a payment event occurs (e.g., charge confirmed, refund completed).
Zero-auth
PT-BR: Autorização Zero / Zero-auth | zh-CN: 零金额验证
A zero-value authorization used to validate a card without charging it. Commonly used for card-on-file verification.
Zero-decimal Currency
PT-BR: Moeda sem decimais | zh-CN: 零小数货币
A currency whose smallest unit is a whole number — no cents, centavos, or fractional subdivisions. In A55, CLP (Chilean Peso) and COP (Colombian Peso) are zero-decimal currencies. Amounts must be sent as integers without decimal places (e.g., 50000 for CLP, not 50000.00). The backend truncates any decimals for these currencies. Sending "50000.50" for CLP will result in 50000.
Minor Unit
PT-BR: Unidade menor | zh-CN: 最小货币单位
The smallest denomination of a currency as defined by ISO 4217. For BRL it is the centavo (0.01), for USD the cent (0.01), for CLP the peso itself (1). A55 accepts amounts in major units (not in cents), so you send 150.00 for R$150 and 50000 for CLP$50,000. Some acquirers convert to minor units internally (multiply by 100 for 2-decimal currencies or use the integer directly for 0-decimal currencies).
RUT
PT-BR: RUT (Rol Único Tributario) | zh-CN: 智利税号
Chilean tax identification number (format XX.XXX.XXX-X). Required for local card processing in Chile. International cards do not require RUT. Similar in purpose to Brazil's CPF/CNPJ.