Payment Tokenization: Past, Present and Future

MRC Vegas 2023

Payments

Tokenization

PCI

TokenEx, EBANX

Mar 08, 2023

Presentations

Tokenization has evolved over the years from a simple replacement for a credit card primary account number designed to reduce risk and PCI compliance scope and used only on the merchant acquiring side, to network or payment tokens issued by the card brands that are used more broadly in a payments flow. This presentation will describe the benefits of network tokens, including fraud reduction and increased approval rates. We will also examine authenticated tokens that are bound to a specific consumer device and when combined with the verification of the cardholder’s identity, can qualify a transaction for fraud dispute protection.

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