How Hands In simplifies group payments with secure, multi-card tokenization.
Hands In is an innovative payment orchestration platform that specializes in group checkout solutions. By allowing customers to split a single transaction across multiple cards and people at the point of purchase, they eliminate the "I'll pay you back" friction for travel, hospitality, and e-commerce.
Industry
FinTech
Size
35+ employees
Location
London, United Kingdom
In conversation with
Background
Founded in 2021 and based in London, Hands In was born to fix the awkwardness of group payments.
Their "Group Payment" API allows merchants to offer a more flexible checkout experience, ensuring that every person in a group pays their fair share directly to the merchant, reducing abandonment rates and increasing average order values.
The Challenge
The technical complexity of a split payment is significantly higher than a standard transaction.
Hands In needs to collect, validate, and store payment data from multiple different people for a single booking.
This multiplied the potential "surface area" for sensitive data risk.
Splitting the bill, not the security
"Since we deal with multiple cardholders for a single transaction, the risk of handling card data was a primary concern. We needed a solution that would allow us to be PCI compliant from day one."
As a high-growth startup, they needed to focus their engineering resources on their proprietary split-payment logic rather than the grueling task of building a PCI-compliant vault.
The Solution
Hands In integrated PCI Proxy to handle the heavy lifting of multi-card tokenization.
Security for the whole group
When a group initiates a payment, PCI Proxy intercepts every single cardholder's details.
Each card is tokenized individually, allowing Hands In to orchestrate the split transaction across different gateways without ever "seeing" the raw card data.
PCI Proxy’s universal tokenization was a game-changer for us. It allows us to securely store and process multiple cards for a single booking while keeping our systems entirely out of PCI scope.
The Result
By leveraging PCI Proxy, Hands In was able to go to market much faster.
They achieved the highest standards of security without the multi-month delay of a full PCI audit.
Scaling the "social" checkout
The result is a lean, secure, and incredibly flexible platform that can handle complex payment flows for major travel brands while maintaining a tiny security footprint.
"The ease of integration and the developer-friendly documentation made PCI Proxy the obvious choice for us. It has given us the peace of mind to focus on scaling our business globally."
The Conclusion
For a "social" payment platform like Hands In, trust is the foundation of the user experience.
By choosing a partner to externalize the payment risk, they have proven that you can build complex, multi-party financial tools without the burden of traditional compliance.
In the world of split payments, if you aren't using a token vault, you’re carrying too much weight.
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