Network tokenisation
Enhance security and reduce PCI scope by converting card details into network tokens. Cardflo's network tokenisation replaces sensitive card numbers with unique, payment network-generated tokens, which remain valid even if the underlying card data changes. This protects customer data and streamlines compliance.
What you get.
- Replaces sensitive PANs with secure network tokens
- Reduces PCI DSS compliance burden for merchants
- Maintains token validity even with card expiry or reissuance
- Improves authorisation rates by reducing declines on expired cards
- Protects against data breaches by never storing actual card numbers
- Facilitates secure recurring payments and one-click checkouts
Common questions.
What is network tokenisation?
Network tokenisation is the process of replacing a primary account number (PAN) with a unique, encrypted token generated by the card networks (Visa, Mastercard, etc.). This token is used for transactions, not the actual card number, enhancing security.
How does network tokenisation reduce PCI scope?
By replacing actual card numbers with network tokens, merchants no longer store or transmit sensitive cardholder data. This significantly reduces the scope of PCI DSS compliance, as fewer systems handle raw PANs, simplifying audits and security measures.
Does network tokenisation improve authorisation rates?
Yes, network tokenisation can improve authorisation rates. Network tokens are automatically updated by the card networks if the underlying card expires or is reissued, preventing declines due to outdated card data in recurring billing or stored card scenarios.
Related features.
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