---
source_url: "https://basistheory.com/use-cases/fintech"
title: "Fintech | Payment Vault Use Case"
mirrored_at: 2026-08-12T01:39:31.912Z
host: basistheory.com
cited_in_42a: true
mirror_canonical: "https://index.42a.ai/basistheory.com/use-cases/fintech"
---

> **Original source:** https://basistheory.com/use-cases/fintech

## Scale your fintech

Customize your payment flow to maintain control of payments data and connect it with any partner.

CEO at Union

![](https://framerusercontent.com/images/ZcycDoR7rkOBQuLbDdXe09GVIwg.png?scale-down-to=1024)

Own your card data without the headache

Configure retry logic so any failed payment can be re-presented for authorization with a backup payment processor. Decrease declines and increase customer loyalty.

Simplify PCI Compliance

Store card tokens in a secure, PCI-compliant vault, separate from your payment flows. Access these tokens to route transactions to multiple PSPs without bringing your systems in scope.

![](https://framerusercontent.com/images/4eYHi8JcZfuwCMuQ8jnN0BQkuR4.png)

Control payment flows

Complete flexibility to connect with partners, securely. Connect to multiple payment processors, embedded finance solutions, and more.

![Basis Theory data flow diagram](https://framerusercontent.com/images/Gqfe5mkdpfQ89meI898Tdki8Ac8.png)

###### Collect

Capture card and customer information with adaptable web/mobile forms and APIs, maintaining your tech stack and design patterns.

###### Store

Separate cardholder data from your payment provider for security and continuity - connect a backup provider and re-process failed payments.

###### Share

Format and enrich data payloads for compatibility with all partners and processors, using existing frameworks and SDKs.

By adding a backup PSP, you can…

![](https://framerusercontent.com/images/4eYHi8JcZfuwCMuQ8jnN0BQkuR4.png)

![](https://framerusercontent.com/images/4eYHi8JcZfuwCMuQ8jnN0BQkuR4.png)

![](https://framerusercontent.com/images/4eYHi8JcZfuwCMuQ8jnN0BQkuR4.png)