Almacenamiento seguro de tarjetas
Cardflo proporciona soluciones de almacenamiento seguro de tarjetas diseñadas para transacciones de alto volumen y datos sensibles. Nuestra infraestructura protege los detalles de pago del cliente al tiempo que garantiza un acceso sin problemas para pagos recurrentes y gestión de suscripciones.
Mantenga el cumplimiento y la confianza del cliente con sólidas estrategias de cifrado y tokenización.
- Categoría
- Seguridad
- Capacidades
- 10
- Disponible en
- Todos los planes
La visión general
Secure card storage, commonly referred to as vaulting, involves the encryption and preservation of sensitive primary account numbers (PANs) within a hardened environment.
This component of the payment stack separates sensitive data from the merchant server, shifting the vast majority of PCI DSS compliance requirements to the provider.
By replacing original card details with a unique surrogate identifier, or token, a merchant can process subsequent transactions without handling raw financial data. This architecture is fundamental for businesses managing recurring billing, subscription cycles, or one-click checkout experiences.
The storage system interacts with the gateway and acquirer to facilitate Merchant Initiated Transactions (MIT) while adhering to stringent security protocols. Robust storage frameworks must also support lifecycle management, including automated updates for expired cards and secure data purging to meet data minimisation standards.
Effectively implemented, secure storage reduces the risk of credential theft and ensures that the authorisation process for returning customers is both efficient and compliant with regional mandates like PSD2.
Cómo funciona
Initial Data Capture
When a customer enters payment details, the raw data is transmitted directly to a PCI-compliant vault. This transmission occurs via an encrypted channel, such as TLS 1.
2 or higher, ensuring the merchant environment never comes into contact with the clear-text primary account number or sensitive authentication data.
Token Generation and Mapping
The storage system generates a non-sensitive token to represent the card. This token is mapped to the encrypted card data within the secure environment.
The merchant stores only this token in their database, which carries no intrinsic value if intercepted by unauthorised parties during a breach.
Secure Vaulting and Encryption
Sensitive details are encrypted using industry-standard algorithms like AES-256. Cryptographic keys are managed through a dedicated hardware security module (HSM) with strict rotation policies.
Data is stored in a tiered architecture to isolate the payment information from external networks and unauthorised internal processes.
Transaction Authorisation
To process a subsequent payment, the merchant sends the token rather than the raw card data to the payment gateway. The vaulting service de-tokens the request, retrieves the original credentials, and submits them to the acquirer for authorisation, maintaining a secure loop throughout the lifecycle.
Por qué importa
Compliance Scope Reduction
Implementing a secure vaulting strategy allows merchants to limit their PCI DSS assessment scope. By ensuring that primary account numbers never touch the merchant's own servers, the business can often qualify for simplified self-assessment questionnaires (SAQs).
This reduces the administrative burden and costs associated with annual security audits and technical infrastructure hardening while maintaining a rigorous security posture.
Conversion and Retention Strategy
Stored credentials facilitate frictionless repeat purchases, which are vital for subscription-based business models. Secure storage enables Account Updater services to automatically refresh expired or replaced card details without customer intervention.
This reduces friction at the point of sale and minimises involuntary churn caused by outdated payment information, directly impacting the lifetime value of the customer base.
Casos de uso
Subscription and SaaS Providers
Services requiring periodic billing depend on vaulting to execute Merchant Initiated Transactions. Tokens allow for reliable monthly or annual billing cycles without requiring customers to re-enter details for every renewal.
E-commerce Marketplaces
Platforms with high repeat-purchase rates use card storage to enable one-click checkouts. This removes checkout friction while ensuring that the marketplace does not bear the risk of storing raw PAN data locally.
Mobile App Payments
Applications can securely store payment methods for in-app purchases or service bookings. Tokenisation ensures that even if the mobile device is compromised, the actual card details remain safe within the vaulted environment.
En cifras
Typical reduction in technical controls and administrative tasks when moving from on-premise storage to a specialised third-party vaulting service.
Industry increase observed when combining secure storage with automated account updates for recurring billing cycles, particularly in the UK and EEA markets.
Average additional round-trip time for tokenisation during the checkout process, ensuring security does not impede the customer experience.
Términos relacionados
Talk to our team about a live rollout on your acquiring stack.
Lo que obtienes con Almacenamiento seguro de tarjetas
- Tokenización de todos los datos sensibles de la tarjeta.
- Infraestructura certificada PCI DSS Nivel 1.
- Cifrado en reposo y en tránsito para toda la información de pago.
- Almacenamiento seguro para facturación recurrente y compras con un solo clic.
- Controles de acceso granulares para datos de tarjetas almacenadas.
- Políticas automatizadas de retención y purga de datos.
- Granular role-based access controls ensuring only authorised systems interact with the secure vault.
- Automated data retention and purging policies to comply with global data privacy regulations.
- Full support for 3D Secure 2.0 and Strong Customer Authentication when capturing initial credentials.
- Comprehensive audit logs and monitoring for all token creation and de-tokenisation requests.
A short scoping call, then a written plan for your MIDs.
Preguntas sobre Almacenamiento seguro de tarjetas
¿Cómo asegura Cardflo los datos de la tarjeta del cliente?
Cardflo asegura los datos de la tarjeta del cliente a través de tokenización y cifrado avanzados. Los números de tarjeta sensibles se convierten en tokens únicos y no sensibles, que luego se utilizan para las transacciones.
Los datos reales de la tarjeta se almacenan en una bóveda certificada PCI DSS Nivel 1, lo que garantiza la protección contra filtraciones.
¿Puedo usar tarjetas almacenadas para pagos recurrentes?
Sí, el almacenamiento seguro de tarjetas de Cardflo está diseñado específicamente para facilitar pagos recurrentes y modelos de suscripción.
Una vez que una tarjeta se tokeniza y almacena, los comerciantes pueden iniciar transacciones posteriores sin que los clientes tengan que volver a ingresar sus datos, mejorando las tasas de conversión y la experiencia del cliente.
¿Qué estándares de cumplimiento cumple Cardflo para el almacenamiento de tarjetas?
Cardflo cumple con los más altos estándares de cumplimiento de la industria para el almacenamiento de tarjetas, incluida la certificación PCI DSS Nivel 1.
Esto garantiza que todos los datos de tarjetas almacenados se manejen de acuerdo con estrictos protocolos de seguridad, protegiendo tanto a los comerciantes como a sus clientes de la vulneración de datos.
How is the security of the encryption keys managed within the vault?
Encryption keys are managed according to industry best practices, typically involving a Hardware Security Module (HSM). This is a physical device that safeguards and manages digital keys for strong authentication and provides crypto-processing.
Keys are rotated on a defined schedule to minimise the impact of a hypothetical compromise. Access to these keys is strictly restricted using a 'least privilege' model and is protected by multi-factor authentication.
This ensure that even if a database was accessed, the encrypted data would remain unreadable without the protected keys.
Can we migrate our stored cards to another provider if we change our payment stack?
Data portability is a key consideration for secure storage. While the data is locked in a secure vault, reputable providers facilitate secure data migrations.
This usually involves a secure transfer from one PCI Level 1 provider to another via an encrypted SFTP or similar protocol. This process ensures the merchant is not 'locked in' to a single provider while maintaining compliance throughout the transfer.
Such migrations require coordination between the security and compliance teams of both the departing and receiving organisations.
How does the vaulting system handle Strong Customer Authentication (SCA)?
When a card is first vaulted (a Cardholder Initiated Transaction or CIT), the system must support 3D Secure protocols to authenticate the user and comply with SCA mandates under PSD2.
Once the card is securely stored and the initial transaction is authenticated, subsequent payments are typically flagged as Merchant Initiated Transactions (MIT).
These recurring transactions can often be exempted from SCA provided the initial agreement (mandate) was correctly established and the merchant includes the appropriate transaction indicators in the authorisation request sent to the issuer.
Características relacionadas.
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