Better customer lifecycle management
Payment tokenisation
Harness the power of tokenisation to gain valuable insights into customer behaviour.
Tokenisation is powering today’s secure digital payments
Most businesses with an online presence depend on tokenisation to help protect their customers’ sensitive card information during transactions. But managing tokens in your ecosystem can be complex and they require maintenance (when a customer changes their bank or a card is lost, stolen, or expires).
Create a more complete view of your customers
Cybersource’s Token Management Service dramatically simplifies this complexity by connecting your payments, customer data, and other network tokens into a unified proprietary super token that provides you with a 360-degree view of your customers’ buying behaviours across all channels and payment types.
The super token: A Cybersource innovation
Our Token Management Service is the only service of its kind that links tokens from different networks, issuers, and channels to help you simplify complex payment environments. The super token also includes alternative payments such as eCheck, ACH, and other debit products. And Token Management Service’s brand-agnostic platform processes network tokens for both Visa and Mastercard.
Build a secure and seamless customer experience
Token Management Service makes customer lifecycle management easy. Credentials are updated and refreshed across channels, which can maximise revenue from returning customers.
Increase your conversion rates
With the super token’s improved insights, you can recognise legitimate repeat customers more effectively, enhancing approval rates and increasing conversions.
+3%
Authorisation rates
+3% token auth lift.1 Global average for CNP transactions as compared to PAN.
-28%
Fraud
Network tokenisation can reduce fraud by an average of 28% without creating additional payment friction for your customers.2
Protect sensitive customer data
Your customers’ payment data never touches your internal systems. Top-tier Visa security keeps data encrypted and secured, so it’s protected from breaches and theft through every step of the payment process.
Deepen your customer relationships
By bringing together tokens from different card brands, banks, payment types, and channels, our super token provides a 360-degree view of your customers’ buying behaviours. With this insight, you can build long-term relationships and make customer loyalty and rewards opportunities part of every online, mobile, and in-store transaction.
Reduce PCI DSS scope and costs
Token Management Service meets the strictest regulatory standards for encryption and data security.
Easy and fast integration
Token Management Service can be integrated with our other powerful tools, including Decision Manager, Payer Authentication, Account Takeover Protection, Recurring Billing, and Global Gateway.
There are more than 7+ billion Cybersource tokens in use throughout the world securing sensitive payment data3
More about the benefits of tokenisation
A guide to network tokenisation
From how tokenisation works to Cybersource’s innovative super token, this guide covers everything you need to know about tokenisation and its benefits.
Why the future of eCommerce is tokenisation
eCommerce tokenisation has changed digital payments, but its potential is only just being realised.
Tokenisation in action
Integrate Token Management Service with other Cybersource solutions to create frictionless payments
Let's talk tokens
Our Token Management Service delivers all the benefits of payment tokenisation in a single solution, either as a standalone or fully integrated with your payment ecosystem.
Cybersource’s token expertise and brand-agnostic coverage spans 160+ countries and territories. We can help you maximise the benefits of tokenisation, regardless of where you are on your journey.
1 VisaNet, Jan-Mar 2022. Visa credit and debit global card-not-present transactions for tokenised vs. non-tokenised credentials. Auth rate defined as approved count of unique transaction authorisations divided by total unique authorisation attempts, based on first auth attempt only.
2 VisaNet, Jan-Mar 2022. Visa credit and debit global card-not-present transactions for tokenised vs. non-tokenised credentials. Auth rate defined as approved count of unique transaction authorisations divided by total unique authorisation attempts, based on first auth attempt only. (PAN & Token) with digital wallet TRs April-June 2018, Issuer region: US.
3 Cybersource Token Management Service and Secure Storage token metrics on Sept. 13, 2022 as calculated by Cybersource Database Engineering team.