Understanding the Value of Tokens

While accepting cards is a crucial requirement for merchants, there are constant and increasing risks to handling credit and debit card data in its native format. For instance, cardholder data is susceptible to theft if it is stored in the merchant environment and used for analytics, loyalty programs, refunds and other back-office processes. Fortunately, using a tokenization solution produces tokens that can be used securely by the merchant as a valuable substitute for card numbers.

This paper explains the benefit of tokens and how they can be used productively throughout a retailer’s systems and processes.