How tokenization and encryption work together
Card-present transactions
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Customer’s card data is encrypted and formatted at the point of sale.
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An algorithm reformats the data so the POS system processes it in the same manner as previously unencrypted data.
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Encrypted data is transmitted to our system, decrypted and processed through the payment brand networks.
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We reply with a token for future use.
Card-not-present transactions
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Customer purchases from your website.
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Data encrypted within your website.
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Our server decrypts card data to process payment.
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We reply with a token for future use.
Key Benefits
- Help protect customer payment data from fraud both within and outside your network.
- Reduce the risk of card data exposure in the event of a data breach.
- Minimize the impact of Payment Card Industry (PCI) scope by not storing and transmitting cardholder data.
- Maintain business processes that rely on cardholder data.
Related Insights
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