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TOKENIZATION

Protect credentials. Keep commerce moving.

Simplify tokenization across supported payment networks with one connection that helps protect card-on-file credentials, keep them current and support smoother payment experiences.

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Take card data out of your systems

As digital payments expand across channels and recurring relationships, sensitive card credentials can appear in more places, increasing exposure and making them harder to keep secure and current.

Tokenization replaces card numbers with secure digital tokens, helping protect the underlying credentials while supporting safer, more consistent payment experiences.

Simplify token management at scale

Managing tokenization across payment networks can introduce unnecessary complexity, operational overhead and integration effort.

Merchant Cloud helps simplify token operations through a single platform that supports network token creation, storage, lifecycle management and transaction processing.

With Merchant Cloud, businesses can:

Access supported network token services through a single API

One way transfer

Reduce reliance on multiple token integrations and service providers

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Keep stored credentials current through automated lifecycle management

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Support card-on-file payment experiences with network tokenization

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Align token services with existing gateway and processor relationships

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One connection for network tokenization

Bring supported network token services together through a single integration, helping businesses simplify token management

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Connected capabilities for stronger protection

Simplify tokenization across supported payment networks with one connection that helps protect credentials, keep them current and reduce integration complexity.

One way transfer

One connection

Access supported network token services through a single API, reducing the need to maintain separate direct integrations.

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Lifecycle management

Help keep stored credentials current when underlying card details change or expire, subject to applicable requirements.

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Card-on-file protection

Replace sensitive card numbers with tokens and cryptographic data to help protect credentials across the payment flow.

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Flexible token management

Create, store, retrieve and process tokens based on the service model that fits your payment needs.

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Standards-based interoperability

Support network tokenization based on EMVCo standards for consistent digital payment experiences.

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Connected payment protection

Complement tokenization with authentication and fraud services as part of a broader Merchant Cloud strategy.

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Compliance support

Help reduce exposure to card data and support PCI DSS scope reduction, depending on implementation and applicable requirements.

Explore your options

Choose the tokenization service model that fits your business

Fully managed token services

Merchant Cloud creates, stores and retrieves network tokens while processing tokenized transactions through Mastercard Gateway connections.

Best suited for organizations looking for an end-to-end tokenization and processing service delivered through a single platform.

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Standalone token services

Merchant Cloud creates, stores and manages network tokens while allowing tokenized payments to be processed through other supported gateways or processing partners.

Ideal for businesses that want to centralize token management while maintaining existing payment infrastructure.

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Token processing services

Use your preferred token provider while leveraging Merchant Cloud to process tokenized payment transactions through supported payment connections.

Designed for organizations that already manage tokens and want flexible processing support.

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Protect credentials. Simplify tokenization. 

Tokenization is one part of our broader payment strategy.

Merchant Cloud combines tokenization, authentication, fraud prevention and payment optimization services on a modular platform that helps businesses improve payment performance while reducing operational complexity.

With Merchant Cloud you can:

Deploy tokenization alongside complementary payment protection services

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Add capabilities as business requirements evolve

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Simplify vendor and integration management through a connected platform

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Leverage Mastercard's payment, security and network expertise

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