PCI-DSS certified tokenization for independent, scalable payment stack
Avoid data leaks and PSP lock-ins by using the PCI-DSS compliant tokenization solution as part of IXOPAY’s agnostic payment orchestration platform.
PCI-DSS (Payment Card Industry Data Security Standard), the credit card security standard, requires enterprises to set up high-level storage systems to keep card credentials safe. The costs for infrastructure and personnel to meet these requirements are high and challenging to maintain. Additionally, the constant threats of legal breaches or data leaks caused by cyber-attacks must be considered and adequately addressed in a company’s architecture.
Many enterprises choose PCI-compliant providers to store the data of their customers safely. Apart from credit card data storage, tokenization is the most reliable solution to enhance data storage security by swapping the 16- to 19-digit Primary Account Number (PAN) found on all credit and debit cards for a unique token. Tokens alone cannot be misused for fraud.
Payment service providers can offer PCI-compliant storage and tokenization solutions. However, businesses are locked into their infrastructure by using a PSP-specific solution. As a result, merchants cannot choose their PSP provider based on the most competitive framework, e.g. the lowest transaction fees.
PCI-compliant Storage in the IXOPAY Card Vault
IXOPAY’s payment orchestration platform consists of a PCI-DSS Level 1, PCI 3DS, and GDPR-compliant card vault, which encrypts credit card data and stores the tokenized card. The use of IXOPAY's tokenization solution ensures the secure conversion of the end customer's credit card data into a unique token that can be stored by merchants instead of card details.
IXOPAY thus ensures the highest PCI compliance for its customers. Clients can flexibly select the most appropriate processor for the transaction and transmit the secure token to carry out the payment using the card details stored in the value. This results in additional flexibility, reliability and independence.
IXOPAY Payment Orchestration Platform
IXOPAY‘s Software-as-a-Service (SaaS) solution supports the complete lifecycle of a transaction. Furthermore, it monitors payments in real time, runs risk checks, and consolidates payment data in one place. A single API creates optimal checkout scenarios and connects businesses to local, international and alternative payment method (APM) providers.
Additional features such as smart routing, risk and fraud checks improve conversion rates, lower risks, and centralize reconciliation and settlement data.
Advantages of Tokenization with IXOPAY
- PCI-compliance for enterprise transactions
- Optimal solution for recurring payments like subscriptions
- Scalable solution for merchants requiring card on file transactions
- Lower fees for credit card providers/schemes
- Flexibility and independence - no lock-ins!
STARTER BETA
€ 199/Month
free trial of up to 7 days included*
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1 Merchant |
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3 Payment Adapters |
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1 Customizable Dashboard |
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Card Vaulting (€ 0.02 Monthly per Card) |
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Card Updater (€ 0.20 per Updated Information) |
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1 Risk Profile (€ 0.015 per Risk Check) |
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Transaction Routing (Limited Rule Set) |
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5 Integration Options |
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Limited Email Support |
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Limited SLA |
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Data Import & Export |
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Post Processing incl. Provider Settlements & Reconciliation |
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Virtual Terminal |
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Customer Payment Profiles |
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White Label Option |
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Payment Scheduler |
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Pay By link |
GROWTH BETA
€ 499/Month
free trial of up to 7 days included*
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3 Merchants |
|
5 Payment Adapters |
|
1 Customizable Dashboard |
|
Card Vaulting (€ 0.02 Monthly per Card) |
|
Card Updater (€ 0.20 per Updated Information) |
|
1 Risk Profile (€ 0.015 per Risk Check) |
|
Transaction Routing (Limited Rule Set) |
|
5 Integration Options |
|
Limited Email Support |
|
Limited SLA |
|
Data Import & Export |
|
Post Processing incl. Provider Settlements & Reconciliation |
|
Virtual Terminal |
|
Customer Payment Profiles |
|
White Label Option |
|
Payment Scheduler |
|
Pay By Link |
ENTERPRISE
Individual
get your personal quote
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Individual Transactions Pricing |
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Unlimited Merchants |
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All Payment Adapters |
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Customizable Dashboards |
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Card Vaulting (Individual Pricing) |
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Card Updater (Individual Pricing) |
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All Risk Rules (Individual Pricing) |
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Full Access to all Routing Rules |
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All Integration Options |
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24/7 Support |
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SLA |
|
Data Import & Export |
|
Post Processing incl. Provider Settlements & Reconciliation |
|
Virtual Terminal |
|
Customer Payment Profiles |
|
White Label Option |
|
Payment Scheduler |
|
Pay By Link |
* Billing will automatically begin once the free trial is over. The free trial lasts for a seven (7) day period or once one of the following metric values has been met: 100 GTX, 100 STX, 100 3DS triggers, 100 tokens stored, 100 risk check triggers.
Please note, IXOPAY is a purely technical platform and does not provide you with a merchant account. By using the IXOPAY payment orchestration platform, you will have access to a centralized payment set up and be able to connect to our integrated adapters. See the complete list of adapters here. For more information about IXOPAY and its products you can contact our sales team, who will be happy to answer any of your questions.
Integrated Adapters
