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Stored Token Services
Enabling the secure shift to digital payments
Ensure customer payment information is protected and supported in an evolving digital payments ecosystem with Discover® Stored Token Services.
Ensure customer payment information is protected and supported in an evolving digital payments ecosystem with Discover® Stored Token Services.
Understanding Discover Stored Token Services
Discover® Digital Exchange (DDX) tokenization solutions include Store Payment Tokens and Cloud Wallet Tokens, which exchange a customer’s primary account numbers (PAN) for secure tokens. Using tokens instead of PANs can help prevent unauthorized transactions and ensure a secure digital payment experience.
Stored Payment Tokens
These unique tokens are tied to a specific merchant for recurring or stored payments. While the merchant knows the cardholder, they never have access to their sensitive data.
Cloud Wallet Tokens
Linked to a wallet provider and usable across multiple merchants, these secure tokens are best for guest checkout experiences.
Stored Token Services key features
Account updates
In cases of lost, stolen, or reissued cards, card details are automatically updated, making card usage effortless.
Token management
At the issuer’s request or in cases of fraud, stored tokens can be unlinked from PANs at any time.
Enhanced security
The PAN is detokenized at network level and DDX performs detokenization only after validating a cryptogram.
Domain restriction control (DRC)
Rules can be set to limit the usage of stored tokens to specific channel, Merchant, or other attributes.
Stored Token Services enable the secure shift to digital payments
Enhances security
Merchant, Wallet, and Payment Service providers can hold stored tokens instead of sensitive account information, enhancing security and eliminating aspects of compliance standards.
Improves customer experience
Stored tokens are automatically updated if a card is lost, stolen, or reissued, reducing payment breakage events and allowing customers to keep shopping seamlessly.
Manages usage across channels
Domain restriction controls can specify the usages of stored tokens on specific channels or stores’ payment entry modes.
Ways to enable Stored Token Services
Find the right partner
Get the solution capabilities you need to expand your reach.
Simplify Stored Token Services with Discover Digital Exchange (DDX)
For issuers, provisioning and managing tokens in an evolving environment can be complex, especially across a range of digital wallets, apps, and e-commerce websites. Discover Digital Exchange offers issuers a single connection to digital payment security and multiple wallets.
More convenience with advanced mobile technology
One-click checkout
Provide greater shopping convenience. Secure Remote Commerce enables a simple, streamlined, and secure online checkout option.
Tap & pay
Enable payments via Apple Pay®, Google Pay™, Samsung Pay®, or Garmin Pay™*, or issuers can add their cards to digital wallets and more.
* Mobile wallet acceptance varies by market.
For US only: Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.
Security-based solutions and resources
PCI Compliance
Find the information and resources you need to help maintain PCI compliance.
Fraud Management Tools
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Fraud Prevention Practices
Get tips on how to identify and prevent fraud and access additional security resources.