Cards
Card vault
A PCI-DSS-compliant store of tokenised card credentials that lets a merchant charge a card again without holding the PAN.
Vaulting replaces the cardholder PAN with a non-sensitive token tied to the merchant. Network tokens (Visa Token Service, Mastercard Digital Enablement) take this further by replacing the PAN at the scheme level so issuers see a token even on authorisation, which lifts approval rates for stored credentials.
Related terms
A scheme-issued token that replaces the PAN end-to-end and is automatically updated when the underlying card is reissued.
Replacing sensitive card data with a non-sensitive surrogate value that can be stored and reused without PCI scope.
The Payment Card Industry Data Security Standard, the scheme-mandated framework for handling cardholder data.
A charge initiated by the merchant against a previously stored credential, without the cardholder present.
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