What is card tokenization?
Card tokenization is the encryption that allows for secure credit card data storage.
Tha card data is transformed into an encrypted code called a token, which can be stored in a database. With card tokenization, the merchant will be able to offer features like one-click buy and transaction retries, always preserving the integrity and the confidentiality of the information.
How to create a payment with a tokenized card?
You can tokenize a credit card before or during the authorization process. If you already have a tokenized card, you will submit the card token (CardToken) instead of the credit card data.
Types of tokenization
Our API offers a few options of card tokenization for the merchants:
| Tokenization Service | How it works | Characteristics |
|---|---|---|
| Silent Order Post | Creates a temporary PaymentToken through a script embeded in the checkout page. | Ideal for non-PCI compliant online stores, because the card data does not traffic in the merchant's servers. |
| Network tokenization - Cielo Transparent Tokenization | There's no action from the merchant. Cielo creates a CardToken for that exclusive card and merchant combination and sends it to Visa. | Both the card data and the tokens are managed/owned by Cielo. |
| Network tokenization - Simple Integration | The merchant integrates with Cielo's conventional tokenization, which will additionally create a network token. | The merchant stores and manage the card token created by Cielo, and Cielo will store and manage the network token. |
| Network tokenization - External Integration | The merchant tokenizes the card using a solution outside Cielo. | The merchant is responsible for managing the card token, and API E-commerce Cielo will be able to accept the card token for online payments*. |
*Please refer to the tokenized credit card payment to check all the requirements for sending an online payment request. Sending the request is not guarantee the payment will be authorized.
Network tokenization
Some card brands offer a tokenization solution that tokenizes and stores card data in a network vault. For Visa, the network vault is required for avoiding extras fees for the merchant.
Updated about 1 month ago