# 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.

## 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.”  
*Clara Leigh, Technical Lead at YouPay*

# Rent the vault, keep the data.

These are the tools to do it:

###### [Proxy:](https://developers.basistheory.com/docs/concepts/proxies/) Route sensitive data between software systems.

###### [Reactors:](https://developers.basistheory.com/docs/concepts/reactors/) Run server-side logic against tokenized data inside Basis Theory so your servers never handle plaintext.

###### [Elements:](https://developers.basistheory.com/docs/concepts/elements) Collect sensitive data without exposing it to your application.

###### [Token Intents:](https://developers.basistheory.com/docs/concepts/token-intents) Validate data before committing to a long-term token.

## 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.

## Why Basis Theory?

Independent by Design

Bring your own partners or [work with ours](/content/partnerships/index.html) to keep customers transacting.

Free Migrations

Migrate card, banking, PII, and other data [on your timeline](https://blog.basistheory.com/migrate-card-data-to-basis-theory) without any migration fees.

Real Flexibility

[Route tokens](https://developers.basistheory.com/docs/card-payments/#step-2---route-to-your-existing-processors) to any PSP, partner, or orchestration platform.

Resilient by Design

[Built without any single-point-of-failure](/content/solution/payment-vault/index.html) to keep payments processing even when the competition isn’t.

Documentation that can make any engineer [a payments engineer](https://developers.basistheory.com/docs/).

## Be a leader in agentic commerce.

###### Enable agentic payment flows with [Basis Theory as the foundation](https://basistheory.ai/).

###### Separate [authentication from authorization](https://developers.basistheory.com/docs/use-cases/agentic/) for credentials.

###### Access Visa Intelligent Commerce, Mastercard AgentPay, and more.

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.