Tokenization

Tokenization is a powerful security solution that replaces sensitive payment information with randomly generated tokens. This method helps protect businesses and their customers by reducing the risk of data breaches.

How Tokenization Works

Tokenization secures payment data by replacing cardholder information with a unique, non-sensitive token. The original card data is securely stored in Clearent's token vault, ensuring that merchants never store or transmit sensitive information. This reduces both the merchant's and the software vendor's PCI DSS scope, simplifying compliance efforts.

Step-by-Step Process

1. Payment Entry: A customer swipes, keys, dips, or taps their credit card.

2. Data Transmission: Sensitive card information is securely sent to Clearent's token vault — not the merchant's system.

3. Token Generation: Clearent stores the sensitive data in its vault and sends a token back to the merchant.

4. Future Transactions: The merchant uses the token for recurring payments, card-on-file transactions, or other payment needs.

Benefits of Tokenization

• Enhanced Security: Tokens have no meaningful value to hackers, reducing the risk of data breaches.

• Simplified Compliance: By eliminating the need to store or transmit sensitive card data, tokenization reduces PCI DSS scope, making compliance faster and easier.

• Improved Customer Experience: Tokens enable secure recurring payments and card-on-file transactions, enhancing convenience for customers.

Combined Protection with Encryption

For maximum security, Clearent combines tokenization with encryption. While tokenization protects data at rest, encryption safeguards data in transit, ensuring comprehensive security throughout the payment process.

By using tokenization alongside other security measures, Clearent helps businesses minimize risk, simplify compliance, and build customer trust.

Clearent Tokenization Portal

The Clearent Tokenization Portal provides easy-to-follow instructions for transferring tokens from other processors to Clearent. It offers guidance based on your role to make the process clear and straightforward:

• Merchants: Learn how to securely move your tokens to Clearent with minimal disruption to your payments.

• Software Partners (Integrators): Follow simple steps to connect your software with Clearent's token system.

• Payment Processors: Get clear instructions for exporting merchant tokens to Clearent securely and accurately.

The portal's step-by-step guidance makes token transfers easier and helps protect your data.

For more information about Tokenization, see:

• Credit Card Tokenization
• PCI Tokenization vs Encryption
• PCI’s Not Enough: Breach Prevention Needs Chips and Tokens
• Clearent Tokenization Portal