Tokenization & Card Lifecycle
<Protect Data. Preserve Choice.>
Commerce is becoming more fluid. Customers pay across channels, devices, and providers, while their card details continue to change. Your stored card data needs to stay secure, current, and available wherever your business needs it. IXOPAY brings Universal Tokens, Network Tokens, and card lifecycle services together to help you protect sensitive data, reduce avoidable declines, and keep the freedom to change providers.
Secure credentials. Stronger performance. More freedom.
Protect data and simplify compliance
Reduce exposure to sensitive card data with tokenization and PCI-validated encryption for in-person payments.
Keep more payments on track
Keep eligible card credentials current and use richer card information to support better payment decisions.
Keep control as your business grows
Use merchant-owned payment credentials across providers and channels without repeatedly migrating your card-on-file data.
Catch issues early
Machine learning flags what moves outside normal. Alerts reach your team in-platform, by email or in Slack.
Tokenization & Card Lifecycle
Protect payment data without limiting where you can use it.
Replace sensitive card details with a secure reference that works across your payment environment.
• Reduce PCI scope by keeping sensitive card data out of your internal systems
• Add or change processors without another card data migration
• Support online, mobile, in-person, and emerging agentic experiences
Improve payment performance with credentials built for the card networks.
Use network tokens with lifecycle updates and transaction security controls to help increase approvals and reduce fraud.
• Support Visa, Mastercard, and American Express through one integration
• Keep eligible credentials current as underlying card details change
• Use tokens across providers that support network token processing
Keep changing card details from interrupting recurring revenue.
Refresh eligible stored card details through the card networks to reduce declines caused by expired or replaced cards.
• Update card numbers and expiration dates without chasing customers
• Reduce involuntary churn and interruptions to subscriptions or services
• Centralize updates for use across your payment providers
Make better payment decisions with more context about each card.
Access issuer, country, card type, and other BIN data to inform transaction routing and risk management.
• Inform routing decisions with card and issuer attributes
• Strengthen fraud rules with geographic and card-level signals
• Understand card characteristics and potential processing costs
Connect payment activity across different tokens and channels.
Use a non-sensitive reference to link transactions associated with the same card account, even when different payment tokens are used.
• Build a clearer view of card-account activity across channels
• Support loyalty and customer insights without using raw card numbers
• Add context to help detect multi-account and promotional fraud
Protect in-person payments from the moment the card is read.
Encrypt card data at supported payment devices and keep it protected until it reaches IXOPAY’s secure decryption environment.
• Reduce PCI scope with a PCI-validated P2PE solution
• Preserve processor choice for your in-person payment setup
• Receive Universal Tokens to connect in-person and online payment data
The IXOPAY difference: Protection and performance without giving up choice.
Two token types. One coordinated strategy.
Combine Universal Tokens for portability with Network Tokens for eligible transactions, retaining a fallback when network token processing is unavailable.
Card data that stays useful
Combine credential updates, card metadata, and account references to support payments throughout the card lifecycle.
Provider independence
Keep your token strategy separate from any one processor, so you can adapt your provider mix as your business changes.
A foundation for fluid commerce
Extend secure payment credentials across today’s channels and emerging experiences, with Universal Tokens that can preserve agent identity, customer consent, and purchase intent.
