A card token is a unique, single-use code that represents a customer’s credit card details. It securely processes payments without exposing the actual card information.

Tokenization in ecommerce requires encrypting a customer card as a token. Encryption conceals the content of card data to protect it from unauthorized access, while tokenization replaces sensitive data with a non-sensitive equivalent or token. Clover uses this token as the source to process secure payments using the Ecommerce APIs.

Clover supports the following card tokenization services:

• Clover token—See Create a card token.
• TransArmor token—Learn more in this topic.

TransArmor tokens—Key features

TransArmor^® tokens offer an additional layer of security to safeguard cardholder data during transactions and minimize the need for regenerating payment tokens. Key features include:

• Enhanced security—TransArmor (TA) tokens replace sensitive cardholder data with randomly generated tokens, making decryption nearly impossible.
• Reduced PCI-DSS scope—By eliminating sensitive data from the merchant’s environment, TA tokens help reduce the scope of PCI-DSS compliance requirements.
• Ease of implementation—TA tokens can be integrated with minimal to no new hardware requirements, facilitating easier adoption for merchants.

Use TransArmor tokens

As a Clover developer, you can:

• Create a new TransArmor token
• Use existing valid TransArmor tokens
• Create a charge with a TransArmor token
• Pay for an order with a TransArmor token

Terminology

Related topics

• Blog: Ecommerce Tokenization: Understanding Methods that Keep Card Data Safe
• Ecommerce tokenization