# ICO Integrations

The Tieto E-Commerce Payment Gateway (EGW) is fully integrated with major international card organizations, including Visa and Mastercard, to support secure and scalable global card payment acceptance. The platform enables both traditional card processing and advanced capabilities such as tokenization, digital wallets, and issuer-based transaction optimization.

## Supported Scheme Integrations

| Scheme     | Integration Services                                                                                                                                           |
| ---------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Mastercard | Integrated with MDES (Mastercard Digital Enablement Service) for secure card tokenization and support for Secure Card on File (SCOF) transactions.             |
| Visa       | Integrated with Visa Token Service (VTS) to enable network tokenization and enhance fraud protection, especially for stored credential and recurring payments. |

These integrations allow EGW to support advanced features such as:

* Card-on-File token storage and lifecycle management
* Push provisioning to wallets
* Device-initiated and merchant-initiated token usage
* Support for EMVCo-based 3DS flows

## Tokenization and Secure Storage

EGW leverages MDES and VTS to replace sensitive card data with scheme-issued network tokens, improving transaction security while maintaining high authorization rates.

Key benefits:

* PCI DSS scope reduction for merchants
* Token lifecycle management (e.g., re-issuance, updates)
* Improved fraud protection and approval rates
* Seamless support for recurring, subscription, and one-click flows

## Routing & BIN Management

The EGW is integrated with scheme-based BIN routing tables to intelligently determine the optimal path for card transaction processing.

Key routing capabilities include:

* Card Scheme Identification – Visa, Mastercard, or other via BIN recognition
* Geographic Routing Rules – Direct transactions based on issuer country or region
* Fallback Routing – Define alternate acquirer endpoints if the primary is unavailable
* Custom BIN Logic – Optional merchant or product-specific routing configurations

Routing logic ensures optimized cost, performance, and regulatory alignment for card payments, especially in multi-acquirer environments.

## Other Card Scheme Support

While Mastercard and Visa integrations are native, EGW is designed to be scheme-agnostic and supports integration with additional schemes (e.g., Amex, UnionPay, or local domestic networks) based on the acquirer’s configuration.

## Business Benefits

* Access to global customer base through Visa and Mastercard reach
* Enhanced security and compliance via tokenization
* Seamless checkout experience for recurring and one-click flows


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