Glossary
Key terms of the Tonder platform.
The terms you'll see across the documentation, each linking to the page where it's explained in depth.
3DS (3-D Secure)
Extra authentication from the issuing bank (OTP, biometrics) that shifts fraud liability. A payment can pass frictionlessly or require a challenge. See 3DS lifecycle.
Acquirer
The bank or processor that receives the payment on the merchant side. Tonder routes each transaction to the right acquirer. See Cards.
BIN
Bank Identification Number: the leading digits of a card, identifying the issuing bank. Used in risk analysis. See Fraud & Risk.
Cash vouchers
Cash payment method (formerly SafetyPay): the customer gets a reference and pays at affiliated stores, pharmacies, or supermarkets. See Cash vouchers.
Chargeback (dispute)
A cardholder's claim with their bank to reverse a charge. Managed from the dashboard's Disputes sub-tab. See Transactions.
CLABE
Mexico's standardized 18-digit bank account number; validated by structure and check digit. Essential for SPEI withdrawals. See Banking reference.
Idempotency
The guarantee that retrying the same operation doesn't duplicate it. See Idempotency.
Issuer
The bank that issued the customer's card and decides whether to approve or decline the charge. See Analytics.
metadata.external_id
The canonical correlation key: your order identifier, present in every webhook of every format. Reconcile everything with it. See Correlation keys.
payment_id / order_id
Identifiers Tonder assigns to the payment and the order; they appear in responses, webhooks, and the dashboard's transaction detail. See Correlation keys.
PCI DSS
The security standard for card data. Hosted Checkout and the SDKs keep you out of scope; raw card data requires PCI L1. See Security & PCI scope.
Sandbox / Production
Tonder's two environments, with separate keys and URLs (stage vs production). Test cards only
work in Sandbox. See Environments.
Settlement
The grouped deposit of your captured payments into your bank account. See Finances.
SPEI
Mexico's interbank transfer system. The customer generates a reference and pays from their banking app. See SPEI.
SPEI Frictionless
A SPEI variant where the customer deposits straight to a fixed CLABE, with no per-operation reference. See Frictionless SPEI.
Tokenization
Exchanging card data for a secure token so you can charge without storing sensitive data. See Card payments.
Webhook
An HTTP notification Tonder sends to your server when an event occurs (payment status change, settlement). The source of truth for confirming payments. See How it works.