TrustCommerce Payment Tokenization is a PCI-compliant solution that replaces sensitive cardholder data with unique, randomly generated tokens, allowing organizations to process payments securely without storing actual payment information on their servers. The tokenization process ensures that intercepted data is useless to hackers, as tokens cannot be reverse-engineered to retrieve the original cardholder information. TrustCommerce stores tokens in its secure, PCI-compliant data facility, supporting both single-use and multi-use scenarios for transactions such as settlements, refunds, and recurring payments. The platform is designed for easy integration with online, mobile, kiosk, and in-person payment channels, as well as third-party solutions. TrustCommerce also offers TC CardCurrent®, an account updating product that automatically keeps stored payment card data current, reducing declines due to card changes from theft, loss, or expiration.

Key Features

Payment Tokenization Replaces cardholder data with secure, unique tokens for payment processing.

• Eliminates need to store sensitive payment data on merchant servers
• Tokens are useless if intercepted, protecting against data breaches

PCI-Compliant Data Storage Stores tokens in a secure, PCI-compliant facility.

• Ensures regulatory compliance for payment data
• Centralizes token management for security and access control

Recurring and Subscription Payments Supports repetitive billing cycles and recurring transactions.

• Ideal for subscription services, installment payments, and donations
• Flexible billing cycles with or without a known end date

Account Updater (TC CardCurrent®) Automatically updates stored payment card information.

• Reduces payment declines due to expired, lost, or stolen cards
• No need to contact customers for updated card details

Multi-Channel Integration Compatible with online, mobile, kiosk, and in-person payment channels.

• Integrates with third-party solutions and business systems
• Supports a wide range of payment environments

Benefits

Enhanced Security Protects sensitive cardholder data from theft and breaches.

• Tokens cannot be reverse-engineered to original data
• Reduces risk and liability for merchants

Regulatory Compliance Meets PCI DSS requirements for payment data handling.

• Simplifies compliance processes for organizations
• Centralizes secure data storage

Operational Efficiency Automates account updates and recurring billing.

• Fewer payment declines and customer interruptions
• Streamlines payment workflows

Scalability and Flexibility Supports businesses of all sizes and payment models.

• Easily integrates with existing systems
• Adapts to changing business needs