Ecommerce - Card tokenization

North America—United States and Canada

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 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 tokenization services:

The following table explains the 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