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Payment tokenization

payments

Also called: card tokenization

Plain-language definition

Plain-language definition

Replacing sensitive payment details with a limited-use substitute value.

Why it matters

It reduces where raw card data must travel or be stored, but tokens still require access controls.

Technical detail

Tokenization maps account data to a token whose usefulness is constrained by the token service, domain, merchant, device, or transaction context.

Examples

  • A checkout stores a provider payment-method token instead of the card number.

Sources and review

Reviewed July 12, 2026 by e2e-1783854138445-0citu53rtqqe@test.repairyour.tech. Next review due January 11, 2027.

  1. Payment Card Industry Data Security Standard — PCI Security Standards Council Accessed 7/11/2026

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