Tokenization

What is Tokenization?

Tokenization is the process of replacing sensitive data with a non-sensitive equivalent (a token), which has no exploitable value on its own. This technique minimizes exposure of sensitive information during and after the transaction flow.

Jupico’s infrastructure tokenizes sensitive card information — including personally identifiable information (PII) — through secure web and mobile components, and stores the original data in a highly secure vault. This makes it possible to reduce PCI scope on the client side without sacrificing security or flexibility.



Understanding PCI DSS

To understand why tokenization plays a critical role in the payments industry, it’s important to first understand PCI Compliance:

PCI DSS (Payment Card Industry Data Security Standards) is a set of security standards designed to ensure that all companies that accept, process, store or transmit credit card information maintain a secure environment. PCI compliance refers to the technical and operational requirements that businesses must follow to protect cardholder data.

Every integrator must define their level of PCI compliance through a Self-Assessment Questionnaire (SAQ). However, managing PCI scope directly can be complex and costly.

To reduce the burden of PCI compliance and improve implementation speed and security, Jupico offers developers a streamlined and compliant way to handle card data using tokenization.