Solutions

Tokenization

Elevate card on file acceptance with Network Tokenization

Gateway tokenization

WHAT IS IT?

Gateway tokenization allows you to store payment details in exchange for a token. The token replaces the payment details in the transaction request sent to the gateway. Furthermore, if the token is stored with the payer data, it may be used when the payer returns to make another purchase.

Tokens are in PAN (primary account number) format and will pass simple card validation rules, so that they can be stored in place of credit card numbers.

BENEFITS

  • Reduces PCI compliance obligations as the gateway
    handles the sensitive payment details collected
    from the payer
  • Improves purchasing experience as the consumer
    will not need to enter their card details each time

Network tokenization

WHAT IS IT?

Network tokenization allows you to replace payment details with a token which is then used for transaction requests.

The difference is that a network token is recognized by the card network and issuing banks, whereas a gateway token will only be recognized by your business and the gateway. This means that when card details expire or are amended, network tokens will be automatically updated, whereas gateway tokens will not.

BENEFITS

  • Reduces false declines due to built-in lifecycle management
    that ensures credentials are kept up to date
  • Improves purchasing experience as the consumer will
    not need to enter their card details each time
  • Enhances security as encryption occurs at every stage
    of the transaction lifecycle
  • Improves approval rates by up to 3ppt* as tokens
    are automatically updated in real-time when card
    details are amended

Gateway tokens and network tokens together provide seamless and secure lifecycle management of PANs and tokens

Gateway tokens

Agnostic global token solution for full PCI management When coupled with a hosted checkout, provides the security and protection for merchants across channels against PCI in transit and at rest.

Network tokens

Automatic updates with a layer of enhanced security Provides network tokenization of credential-on-file data with seamless updates and provides a new channel for consumer acquisition to the funding PANs.

Network tokens help enable merchants and service providers to improve checkout performance

Network tokens

Account PAN details are digitized, protecting card details across the entire payment flow, thereby helping to reduce fraud and improve approval rates.

Gateway tokens

Account PAN details not always tokenized across the entire payment flow, potentially leaving card details exposed.

Network tokens offer a scheme- agnostic and flexible solution to reduce fraud and improve customer trust and satisfaction

Faster go to market

Lighten your workload with easy product integration and delegate ongoing technology compliance to Mastercard, a global payments leader

Access more card types

A single integration to the gateway provides access to all supported schemes

Standalone or with processing

Offered as part of our payment processing solution or as a standalone capability

Token retrieval

Retrieve the network token and cryptogram for alternate transaction processing

Licensed under Mastercard

Gateway & Network Tokenization by Mastercard

Gateway and Network Tokenization are bringing security and convenience to online checkout,
whether consumers choose to check out as a guest or with a card stored on file.