Ecommerce - Card tokenization
North America—United States and Canada
Card tokenization is a process to substitute sensitive data, such as credit card numbers or PAN, with a non-sensitive equivalent value known as Token.
A card token cannot be reverse-engineered by a third-party to get the original sensitive data. By using a token in place of raw credit card data, we can minimize the risk of handling sensitive data in transit. See Ecommerce Tokenization to learn more.
Advantages of tokenization
- Enhances security — Replace PAN details on a card with a randomly generated token.
- Improves PCI DSS compliance — Meet security requirements and reduce the scope and cost of PCI compliance efforts.
- Improves authorization rates — Payment tokens improve the gateway payment authorization rates.
- Facilitates recurring payments — Allow more subscription billing and uninterrupted service for subscription-based businesses.
Clover supports the following card tokenization services:
The following table explains the card tokenization services in Clover to determine your integration with Clover:
Use cases | Clover tokens | TransArmor tokens |
---|---|---|
Function | Generate tokens to process charges on the Clover gateway | Generate payment tokens to process charges on the Clover and Fiserv payment system |
Structure | Alphanumeric Example: clv_12345jklbhd | Numeric Example: 1234456789021 |
Scope | Specific to a merchant or merchant group | Specific to a merchant or a merchant group |
Compatibility | Specific to Clover payments | Compatible with across Fiserv payment systems |
Updated 11 days ago