Universal Tokens

Universal Tokens are non-sensitive payment tokens that can be stored in place of sensitive credit card information. Whenever payment information is needed, the token is sent to IXOPAY. IXOPAY will swap out the token with the actual credit card information and send it to a payment processor. Tokens from IXOPAY are ‘universal’ because they work across all processors and payment channels.

PCI DSS 4.0 is the latest version of the Payment Card Industry Data Security Standards (PCI DSS). These standards specify the process and procedures companies must implement to protect credit card information that passes through its systems.

Using IXOPAY to accept payment information makes it easier to comply with PCI DSS requirements. By using Universal Tokens to accept payment information, you avoid storing sensitive data in your company’s internal systems. Instead, you only store a non-sensitive token. Since no credit card information is stored in your systems, you can eliminate up to 90% of PCI DSS requirements. Additionally, this protects your system in case of a breach since it is not possible to reverse engineer the original payment information from a token.

By working with IXOPAY, you have ‘universal’ payment tokens that can be used across any payment processor. This is beneficial because it prevents you from being “locked in” with your payment processor. This will make it easy to switch or add processors without losing or transferring your stored payment information. As your business grows, having multiple processors (rather than being “locked in” to a single processor) allows you to expand your business into other regions, increases your authorization rates, and gives you control over your payment data. Typically, when using a payment processor’s tokens, you are locked into that processor and can only use those tokens with that processor. This creates complexity when you add, change, or remove payment processors.

Yes, the IXOPAY P2PE solution for in-person (card present) payments is PCI-validated. This validation significantly reduces your PCI scope, reducing the number of PCI requirements you need to meet by up to 90% and lowering the time and cost of PCI audits.

IXOPAY provides a single token that can be used across all payment service providers, allowing you to add or switch gateways/acquirers without retokenizing or managing yet another set of tokens. In addition, IXOPAY has a comprehensive suite of tokenization solutions, exceeding those offered by most payment gateways. Our tokenization solutions can also include the provisioning and life-cycle management of network tokens, which can be used with any gateway/acquirer that supports them.

You can remove the burden of managing multiple sets of tokens specific to each acquirer or gateway that issued them.  IXOPAY's agnostic tokens can be used with any gateway or acquirer. This helps increase your acceptance rates by routing transactions to the best processor for a transaction and allows you to potentially recover declined transactions by routing the transaction to an alternative provider.

Yes, IXOPAY Universal Tokens can connect to any payment processor or 3rd party API endpoint.

Universal Tokens provide a secure, portable foundation for agent-initiated payments. In addition to protecting stored payment credentials, they can preserve trust artifacts such as agent identity, customer consent, and purchase intent alongside the transaction. This gives merchants greater visibility and control while allowing payment data to move securely across processors, channels, and emerging agentic commerce experiences without being tied to a single provider or protocol.

Universal Tokens offer a variety of ways to accept payment data in a secure and PCI-compliant manner. The most common methods to accept are in-person (P2PE), web (iFrame), and mobile app (Mobile API). Additionally, we can accept data via API (Proxy Tokenization), File (Batch), or Phone (Call Center Solutions). 

With Universal Tokens, you can receive payment information from any of these channels and send it to any payment processor you use. This eliminates the burden of storing payment information in multiple systems and makes identifying customer insights across your payment channels easier.

Both Payments Services and the Transparent Gateway allow you to securely route transactions across one or many payment processors. Payment Services includes a library of pre-built integrations for you to easily enable. The Transparent Gateway allows you to customize and forward sensitive payment data to any endpoint of your choosing. Customers may use one or both approaches or changes their integrations between the services over time.

The IXOPAY and TokenEx tokenization services allow you to securely accept sensitive payment data in various ways while minimizing PCI scope. Our diverse checkout and payment-acceptance options provide a consistent, branded, and secure interface for accepting all kinds of payment methods.

Yes. IXOPAY offers multiple token formats for you to structure your tokens to best fit your systems. Our payment tokens are offered in many customizable formats so they can match existing or new schema in your systems. Whether you want the token to resemble a PAN, preserve certain digits, or adhere to a new, alpha-numeric format, we have you covered.