Online payments now account for more than 80% of all retail transactions, and customers expect every checkout to be fast, secure, and frictionless. But with that convenience comes risk: according to the Nilson Report, global payment card fraud losses exceeded $32 billion in 2023, and continue to rise every year. That’s why secure payment gateways, tokenization, and EMV chip card compliance aren’t just best practices; they’re requirements.
For IBM i users, integrating modern payment processing into legacy or custom-built systems can be expensive, time-consuming, and difficult to maintain. Many teams end up relying on outdated middleware, manual batch uploads, or insecure workarounds that expose businesses to compliance and liability issues.
That’s where Kato Integrations’ CyberSource Toolkit for IBM i delivers a major advantage.
Manufacturers, distributors, and B2B organizations often process credit card payments through customer web portals, call centers or inside sales orders, field sales mobile apps, dealer or partner ordering systems, or service and repair invoicing. These transactions must be PCI compliant, fully encrypted, and EMV-ready, whether they’re part of an e-commerce checkout or a customer service workflow inside an ERP. Without a native connection to a modern payment gateway, IBM i shops often face:
Manual credit card entry and storage (major PCI risk)
Slow batch processing with no real-time authorization
Extra fees for non-EMV-compliant transactions
Higher chargeback exposure and liability
A secure, real-time payment gateway integration solves all of that, and the CyberSource Toolkit makes it possible without building API code from scratch.
The CyberSource Toolkit for IBM i allows developers to quickly embed real-time credit card processing into existing or new RPG, COBOL, or CL applications without rewriting core business logic.
With this toolkit, IBM i applications can:
Whether you’re taking payments inside an ERP order entry screen or automating customer portal billing, the toolkit provides prebuilt API subprocedures ready for rapid deployment.
Companies are liable for in-person credit card payments being processed correctly. If they fail to do so, they are financially responsible for fraudulent transactions.
The CyberSource Toolkit allows IBM i users to:
Accept EMV chip card payments through integrated card readers
Ensure compliance with Visa, Mastercard, and PCI regulations
Reduce chargeback and fraud risk
Avoid non-compliance penalties and higher processing rates
Of additional note: If your IBM i workflow still supports magstripe-only or manually keyed transactions, now is the time to modernize.
Building a secure payment gateway integration from scratch requires careful attention to many technical and compliance details. Developers must manage TLS set-up and certificate management, handle JSON/XML parsing, evaluate PCI scope, design a token storage strategy, implement robust error and timeout handling, and establish procedures for fraud response and transaction logging. Each of these steps can take significant time and expertise to get right.
The CyberSource Toolkit eliminates that complexity. Instead of spending weeks developing payment APIs, IBM i teams can drop in pre-tested RPG procedures, avoid handling raw card data directly, and cut development time down to days instead of months. This ensures security and compliance from day one. The result is faster integrations, lower risk, and a solution that works out of the box
Who Benefits Most?