Cards
Tokenisation
Replacing sensitive card data with a non-sensitive surrogate value that can be stored and reused without PCI scope.
Tokenisation can be merchant-scope (one merchant, one PSP, useful for vaulting) or network-scope (scheme-issued, useful for cross-acquirer portability and survivability). Merchant tokens are an operational convenience; network tokens are a payment-performance lever.
Related terms
A PCI-DSS-compliant store of tokenised card credentials that lets a merchant charge a card again without holding the PAN.
A scheme-issued token that replaces the PAN end-to-end and is automatically updated when the underlying card is reissued.
The Payment Card Industry Data Security Standard, the scheme-mandated framework for handling cardholder data.
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