Tokenization

Tokenization

Merchants wishing to accept multiple payments from a customer's bank card, without the PCI DSS burden of requesting and retaining the card number for every transaction, have the option of submitting encrypted data (a 'token' or a 'reference') associated with the customer's card number or previously authorised transaction via MasterCard Payment Gateway Services Payment and Card Tokenization solutions.

How Does Tokenization Work?


The Tokenization solution enables merchants to convert Bank Card numbers into tokens either during a Bank Card authorisation (as a bi-product), or to migrate card data to MasterCard Payment Gateway Services in return for a unique 40 character alphanumeric token (card tokenization) or a 16 numeric digit MasterCard Payment Gateway Services reference number (payment tokenization).

The token or reference number can then be submitted for all subsequent payment requests, thus removing the burden of storing sensitive card data internally and reducing PCI DSS compliance requirements.

Easily integrated with any existing Merchant website, call centre or mobile app; both tokenization solutions can be used in conjunction with MasterCard Payment Gateway Services Fraud Prevention tools, 3-D Secure and MasterCard Payment Gateway Services Hosted Pages Solutions. Both methods can be added as an extension to an existing integration, without disrupting the merchant’s payments workflow.


 

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