Säker kortlagring
Cardflo tillhandahåller säkra kortlagringslösningar utformade för transaktioner med hög volym och känslig data. Vår infrastruktur skyddar kundens betalningsuppgifter samtidigt som den säkerställer sömlös åtkomst för återkommande betalningar och prenumerationshantering.
Upprätthåll efterlevnad och kundförtroende med robust kryptering och tokeniseringstrategier.
- Kategori
- Säkerhet
- Funktioner
- 10
- Tillgänglig på
- Alla planer
Översikten
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.
Så fungerar det
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.
Varför det spelar roll
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.
Användningsfall
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.
I siffror
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.
Relaterade termer
Talk to our team about a live rollout on your acquiring stack.
What you get with Säker kortlagring
- Tokenisering av all känslig kortdata
- PCI DSS Level 1-certifierad infrastruktur
- Kryptering i vila och under överföring för all betalningsinformation
- Säker förvaring för återkommande fakturering och ettklicksköp
- Granulära åtkomstkontroller för lagrad kortdata
- Automatiserade policyer för datalagring och radering
- 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.
Questions about Säker kortlagring
Hur säkrar Cardflo kundens kortdata?
Cardflo säkrar kundens kortdata genom avancerad tokenisering och kryptering. Känsliga kortnummer konverteras till unika, icke-känsliga tokens, som sedan används för transaktioner.
Den faktiska kortdata lagras i ett PCI DSS Level 1-certifierat valv, vilket säkerställer skydd mot intrång.
Kan jag använda lagrade kort för återkommande betalningar?
Ja, Cardflos säkra kortlagring är specifikt utformad för att underlätta återkommande betalningar och prenumerationsmodeller. När ett kort är tokeniserat och lagrat kan handlare initiera efterföljande transaktioner utan att kräva att kunder anger sina uppgifter igen, vilket förbättrar konverteringsgraden och kundupplevelsen.
Vilka efterlevnadsstandarder uppfyller Cardflo för kortlagring?
Cardflo följer de högsta branschnormerna för kortlagring, inklusive PCI DSS Level 1-certifiering. Detta säkerställer att all lagrad kortdata hanteras enligt strikta säkerhetsprotokoll, vilket skyddar både handlare och deras kunder från datakompromisser.
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.
Relaterade funktioner.
Redo för fart?
Berätta om ditt företag. Vi matchar dig med rätt inlösenpartners och rätt rutt, vanligtvis inom en vecka.