Tokenization is the process of exchanging sensitive data for nonsensitive data called tokens that are used in a database or internal system without bringing customer card data into your PCI scope. Using tokenization, organizations and paypoints can continue to use this data for business purposes without incurring the risk or compliance scope of storing sensitive data internally.

When you process a payment using the token stored in Payabli’s systems, only the original credit card tokenization system can swap the token with the corresponding primary account number (PAN) and send it to the payment processor for authorization. Your systems never record, transmit, or store the PAN, they only use the token.

Although they both include the term token, the tokens created when you tokenize a payment method are different than the API tokens that you use to authenticate in Payabli.

Ways to save payment methods

Payabli offers several options for tokenizing and saving a payment method:

  • API: use the direct-access API to save and manage payment methods.
  • Embedded components: use the PayMethod UI or EmbeddedMethod UI to save a payment method.
  • PartnerHub/PayHub: add a payment method for a customer from the customer overview.

Migrating tokens from another processor

To learn about how token migration works, see Migrating Tokenized Payment Data.