Credit Card Solutions

Credit and debit card solutions for merchants needing to integrate their payment solution with front and back office systems written in Java, PHP, C++, C# or RPG. Support for DB2, SQL Server, MySQL, and Oracle. Support for Windows, Linux, UNIX and IBM iSeries.

Learn more about CreditCardXpress

Learn more about PaymentCardXpress

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Gift Card Solutions

Gift card solutions for merchants needing to integrate gift card processing with their front and back office systems written in Java, PHP, C++, C# or RPG. Support for DB2, SQL Server, MySQL, and Oracle. Support for Windows, Linux, UNIX and IBM iSeries.

Learn more about GiftCardXpress (Elavon)

Learn more about GiftCardXpress (Embedded)

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Women shopping using CFXWorks Credt Card and Gift Card Payment Solutions

CFXWorks Message

CFXWorks is a veteran owned business incorporated in the state of Georgia in 1992. CFXWorks' CEO/President, Al Nickles, spent 25 years working for IBM where he invented IBM's System Application Architecture (SAA) and MQ Series. Al Nickles has also authored several patents in the field of security.

CFXWorks has developed payment gateways supporting Elavon, Paymentech, First Data, Global Payments, Authorize.Net, American Express, and TSYS. Our encryption software is installed in many government and law enforcement agencies. We currently have over 500 organizations have installed CFXWorks' encryption, payment card, and/or gift card solutions. 

CFXWorks builds Payment solutions that help our Customers reduce the cost of PCI-DSS

CFXWorks designs and develops payment solutions that support emerging technologies that promise to reduce exposure to fraud and identity theft, and lower the costs and resources required to comply with PCI DSS and process payment transactions.

Our belief is that the payment industry faces major changes over the next couple of years. It has to change because let's face it, PCI-DSS isn't working. It hasn't made a positive, if any, impact on reducing fraud or identity theft. Also, it increased, not decreased, processing costs as originally advertised. The time has come to stop playing the blame-game and get serious about delivering on the original promise of PCI-DSS.  That will require major change.

How does an organization prepare for the change that is coming? The golden rule when facing certain change is avoid, where possible, tying yourself to proprietary platform, operating system, program language, database, and integration technologies.  That is why CFXWorks designs and implements solutions that will run on your platform of choice, your operating system or choice, your database server of choice, and will integrate with your programming language of choice. In addition we support multiple integration technologies designed to accommodate different skill sets. Currently we support Windows, Linux, UNIX and several proprietary IBM platforms including Linux, AIX and the IBM iSeries. Of special interest to users of IBM H/W and S/W is that our software is certified to run on IBM’s POWER 7 and 8 Platforms! We have received IBM's "Ready for Power Systems Software" award from IBM. We also support efforts to run our solutions in public and private cloud environments

Out-of-Scope Credit Card Payment Solution

Our PaymentCardXpress® (PCX) solution is an "Out-of-Scope" credit and debit card solution that has NO visibility to the Primary Account Number (PAN). It supports TLSv1.2, tokenization, EMV, and point-to-point-encryption (P2PE). We also closed-loop offer gift card solutions that support Elavon and one that allows the using organization to process their own gift cards. Gift cards are not subject to PCI-DSS.

If you are concerned about any of the following, please contact CFXWorks today to discuss our Credit Card Payment solutions in more detail:

  • Thinking about moving your payment solution to another platform or operating system?
  • Thinking about switching to a different database server?
  • Thinking about cloud based deployment of your payment solution?
  • Thinking about switching to a different processor?
  • Thinking about whether or not EMV makes sense for your organization?
  • Concerned about the cost of license, support, or transaction fees associated with your payment solution?
  • Concerned about the cost of upgrading your platforms and system software to support TLSv1.2?
  • Concerned about the cost of integrating a payment solution with your front and back office systems?
  • Concerned about the best way to integrate your payment solution with your front and back office systems?
  • Concerned or confused about PCI-DSS?

Contact CFXWorks today and give us the opportunity to explain why our payment solutions are more affordable, more flexible and more secure than our competition!