How tokenization works
Tokenization replaces a customer’s primary account number (PAN) with a unique replacement code, called a token. Because the token is used instead of the PAN, the customers information is protected throughout the transaction.
Tokenization helps secure digital payments—whether they’re made in-store at point-of-sale or virtually.
Products that offer security and convenience with tokens
Card-on-File (COF) Stored Payment Tokens
Securely offer the convenience of recurring billing and easy online payments. Stored payment tokens exchange stored primary account numbers, or cards-on-file, with merchant-specific payment tokens.
Explore stored token and wallet service APIs
Continue to enhance your customer experience. Learn about Discover APIs for stored payment tokens and digital wallet services for different operating systems.