{"id":20055,"date":"2023-05-26T10:16:42","date_gmt":"2023-05-26T08:16:42","guid":{"rendered":"https:\/\/test.centralpay.eu\/unified-account\/security\/card-tokenization\/"},"modified":"2025-10-15T09:34:56","modified_gmt":"2025-10-15T07:34:56","slug":"tokenisation","status":"publish","type":"page","link":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/payment-institution\/secure-payment\/tokenisation\/","title":{"rendered":"Tokenization of payments"},"content":{"rendered":"\t\t
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Your payment details<\/span>
tokenized in a safe place<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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CentralPay tokenizes and stores your payment data in a PCI-DSS infrastructure that complies with RGPD standards<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\n\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\tSee our pricing\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Insure<\/p>\ndata protection \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Streamline<\/p>\nrecurring payments \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Reduce<\/p>\ncompliance costs \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Payment details replaced
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"tokenisation\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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With tokenization, sensitive data is replaced by a tamper-proof (token).<\/p>

Each token corresponds to a unique, secure string pointing to the data to be protected, be it a credit card number, an IBAN or any other data to be secured.<\/p>

Sensitive data is stored in the PCI-DSS CentralPay infrastructure and is available at all times via a dedicated API.\u2028As a result, you only have tokens that cannot be used in the event of an intrusion or compromise of your information system.<\/p>

By removing this data from your environment, you lower your protection constraints, reduce the number of checks you need to carry out and cut your compliance costs.<\/p>

CentralPay is PCI-DSS Level 1 compliant, the highest level of the standard.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Which businesses should
\n tokenize their payment data?<\/span>\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tAn essential security standard for payment operators\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tE-commerce\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tTokenization protects customers' banking data during online transactions. It considerably reduces the risk of compromise and strengthens payment and data security. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tSubscription services\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tRecurring payments (subscriptions, instalments, etc.) can be managed more fluidly. Tokenization secures the data that will be reused at each payment date, without ever exposing sensitive information. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tMarketplaces and platforms\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tMulti-merchant platforms gain in security. Payment tokenization isolates data, secures complex flows and supports growth without adding risk. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\tIn store\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tWith tokenization, your terminals or mobile solutions never expose the actual card data, even in the event of a breach, so in-store payment is as secure as online.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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How tokenized payment<\/span>
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One or more VMs host your applications on CentralPay’s PCI DSS level 1 certified infrastructure.<\/p>

Sensitive data is processed through a secure exchange and then returned in the form of an inviolable token.<\/p>

Sensitive payment data remains stored in the CentralPay electronic safe.<\/p>

The data to be secured is restored using the token and identification parameters supplied by CentralPay.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\n\t\t\n\t\t\t\n\t\t\t\t\t\t\t\t\n\t\t\t\t\tDiscover CentralPay payment institution\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tQuestion boxes \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Our payment tokenization service<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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How does the tokenization process work? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tWhen paying online by credit card, card data is anonymized and converted into a unique string of characters, known as a “token”. These tokens are securely stored in the CentralPay infrastructure, making them tamper-proof. Real card information is removed to reduce the risk of fraud.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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What are the advantages of tokenization? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tTokenization offers several advantages:\n
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  • Enhanced security<\/strong>: Sensitive card information is stored in encrypted format within the CentralPay infrastructure.<\/li>\n \t
  • Frictionless payment processing<\/strong>: With tokens, merchants reduce and simplify their processing and compliance requirements.<\/li>\n \t
  • Simplified recurring payments<\/strong>: Once stored, a token can be used several times, without the payer having to re-enter their card details.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    Who can use card tokenization? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tTokenization is a technological process that meets the compliance needs of entities operating credit card transactions and in contact with potentially sensitive data: e-commerce, marketplaces, digital platforms, physical stores…\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    How is card tokenization regulated? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    \n\t\t\t\t\t\t\t\t\tThe CentralPay infrastructure is PCI-DSS Level 1 certified, the highest possible certification for bank data security and fraud prevention. Every year, the tokenization service takes part in obtaining the PCI-DSS standard, which certifies compliance with credit card data protection standards. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

    Your payment detailstokenized in a safe place CentralPay tokenizes and stores your payment data in a PCI-DSS infrastructure that complies with RGPD standards Talk to an expert See our pricing Insure data protection Streamline recurring payments Reduce compliance costs Payment details replaced by a unique token With tokenization, sensitive data is replaced by a tamper-proof (token). Each token corresponds to …<\/p>\n","protected":false},"author":1,"featured_media":50691,"parent":20012,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"blank-builder.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-20055","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/pages\/20055","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/comments?post=20055"}],"version-history":[{"count":0,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/pages\/20055\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/pages\/20012"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/media\/50691"}],"wp:attachment":[{"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/media?parent=20055"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}