{"componentChunkName":"component---src-templates-blog-post-page-tsx","path":"/blog/what-is-tokenization/","result":{"data":{"locales":{"edges":[{"node":{"ns":"blog","data":"{\"Boost customer satisfaction and sales by accepting more payment methods.\":\"Boost customer satisfaction and sales by accepting more payment methods.\",\"Download now\":\"Download now\",\"Download the step-by-step guide to increase turnover this 2024.\":\"Download the step-by-step guide to increase turnover this 2024.\",\"Email Address\":\"Email Address\",\"Get payment insights and trends, expert business tips, and MONEI news.\":\"Get payment insights and trends, expert business tips, and MONEI news.\",\"Increase your ecommerce sales by up to +40%\":\"Increase your ecommerce sales by up to +40%\",\"Join MONEI to test integrations and payments. No commitment necessary.\":\"Join MONEI to test integrations and payments. No commitment necessary.\",\"Join MONEI with no commitment to test integrations and payments.\":\"Join MONEI with no commitment to test integrations and payments.\",\"Learn how to grow your business\":\"Learn how to grow your business\",\"MONEI DIGITAL PAYMENTS SL is responsible for processing your personal data, the purpose of which is to manage your subscription to the MONEI Blog and send you information and trends about payments, expert business advice, and news about MONEI. You may exercise your rights of access, rectification, deletion, opposition, limitation, and portability by postal mail to Calle Palestina, 1, Entreplanta, 29007, Málaga, Spain or by email to <2>support@monei.com</2>, proving your identity. You can obtain more information about the processing of your personal data in the <5>Website Privacy Policy</5>\":\"MONEI DIGITAL PAYMENTS SL is responsible for processing your personal data, the purpose of which is to manage your subscription to the MONEI Blog and send you information and trends about payments, expert business advice, and news about MONEI. You may exercise your rights of access, rectification, deletion, opposition, limitation, and portability by postal mail to Calle Palestina, 1, Entreplanta, 29007, Málaga, Spain or by email to <2>support@monei.com</2>, proving your identity. You can obtain more information about the processing of your personal data in the <5>Website Privacy Policy</5>\",\"Must Read\":\"Must Read\",\"Name\":\"Name\",\"Name is required\":\"Name is required\",\"No billing information is required. By opening a test account, you agree to receive marketing emails from MONEI.\":\"No billing information is required. By opening a test account, you agree to receive marketing emails from MONEI.\",\"No commitment. Unsubscribe anytime.\":\"No commitment. Unsubscribe anytime.\",\"Open an Account\":\"Open an Account\",\"Originally published\":\"Originally published\",\"Popular\":\"Popular\",\"Privacy and data processing information\":\"Privacy and data processing information\",\"Published\":\"Published\",\"Read More\":\"Read More\",\"Remove tag\":\"Remove tag\",\"Subscribe\":\"Subscribe\",\"Thank you! We will keep in touch.\":\"Thank you! We will keep in touch.\",\"Updated\":\"Updated\",\"email is required\":\"email is required\",\"should be a valid email\":\"should be a valid email\"}","language":"en"}},{"node":{"ns":"common","data":"{\"\\n          Integrated payment solutions help streamline and automate the payment acceptance\\n          process. It’s a payment system that communicates with the other software your\\n          business uses, making the payment integration for each platform or marketplace\\n          unique.\":\"\\n          Integrated payment solutions help streamline and automate the payment acceptance\\n          process. It’s a payment system that communicates with the other software your\\n          business uses, making the payment integration for each platform or marketplace\\n          unique.\",\"- Ahorra tiempo y dinero desarrollando tu propia solución de pagos. - Obtén una participación en los ingresos. - Aprovecha el sistema de facturación de MONEI para cobrar a tus usuarios/comerciantes por servicios adicionales. - Evita lidiar con el cumplimiento de pagos. - Ayuda a tus usuarios a aceptar más métodos de pago. - Comete menos errores.\":\"- Ahorra tiempo y dinero desarrollando tu propia solución de pagos. - Obtén una participación en los ingresos. - Aprovecha el sistema de facturación de MONEI para cobrar a tus usuarios/comerciantes por servicios adicionales. - Evita lidiar con el cumplimiento de pagos. - Ayuda a tus usuarios a aceptar más métodos de pago. - Comete menos errores.\",\"- Save time and money developing your own payments solution. - Earn a revenue share. - Leverage MONEI's billing system to charge your users/merchants for additional services. - Skip dealing with payment compliance. - Help your users accept more payment methods. - Make fewer errors.\":\"- Save time and money developing your own payments solution. - Earn a revenue share. - Leverage MONEI's billing system to charge your users/merchants for additional services. - Skip dealing with payment compliance. - Help your users accept more payment methods. - Make fewer errors.\",\"100% recommended. An optimal payment gateway that quickly adapts to the changes and improvements required in electronic commerce. We are very happy to work with the MONEI team!\":\"100% recommended. An optimal payment gateway that quickly adapts to the changes and improvements required in electronic commerce. We are very happy to work with the MONEI team!\",\"3D Secure Rules (Smart Exceptions)\":\"3D Secure Rules (Smart Exceptions)\",\"<0></0>︎ Access our APIs on behalf of each MONEI account bound to your partner account.\":\"<0></0>︎ Access our APIs on behalf of each MONEI account bound to your partner account.\",\"<0></0>︎ Get a unique registration link to let your users register their MONEI account (they’ll always be bund to your partner account).\":\"<0></0>︎ Get a unique registration link to let your users register their MONEI account (they’ll always be bund to your partner account).\",\"<0></0>︎ View the Partner Dashboard to see payment history, aggregated analytics, and details about each MONEI account bound to your partner account.\":\"<0></0>︎ View the Partner Dashboard to see payment history, aggregated analytics, and details about each MONEI account bound to your partner account.\",\"<0>Accept more payment methods</0>\":\"<0>Accept more payment methods</0>\",\"<0>Blog</0>\":\"<0>Blog</0>\",\"<0>Built in payment security</0>\":\"<0>Built in payment security</0>\",\"<0>Easily onboard and payout users</0>\":\"<0>Easily onboard and payout users</0>\",\"<0>Flexible out-of-the-box solution</0>\":\"<0>Flexible out-of-the-box solution</0>\",\"<0>Launch offer: €19 for the terminal + €2.9/month (maintenance). Bizum transaction fee: 0.19% + €0.19 Applicable only to the first 10,000 terminals</0>\":\"<0>Launch offer: €19 for the terminal + €2.9/month (maintenance). Bizum transaction fee: 0.19% + €0.19 Applicable only to the first 10,000 terminals</0>\",\"<0>Pricing</0>\":\"<0>Pricing</0>\",\"<0>Save money</0>\":\"<0>Save money</0>\",\"<0>Take online and physical payments</0>\":\"<0>Take online and physical payments</0>\",\"A month ago\":\"A month ago\",\"A week ago\":\"A week ago\",\"API Reference\":\"API Reference\",\"About us\":\"About us\",\"Absolutely. Compliance requirements and security considerations are crucial when\\n          implementing an integrated payment solution. Make sure the solution adheres to\\n          relevant industry standards, such as PCI-DSS (Payment Card Industry Data\\n          Security Standard), to protect sensitive customer payment data.\":\"Absolutely. Compliance requirements and security considerations are crucial when\\n          implementing an integrated payment solution. Make sure the solution adheres to\\n          relevant industry standards, such as PCI-DSS (Payment Card Industry Data\\n          Security Standard), to protect sensitive customer payment data.\",\"Absolutely. Compliance requirements and security considerations are crucial when implementing an integrated payment solution. Make sure the solution adheres to relevant industry standards, such as PCI-DSS (Payment Card Industry Data Security Standard), to protect sensitive customer payment data.\":\"Absolutely. Compliance requirements and security considerations are crucial when implementing an integrated payment solution. Make sure the solution adheres to relevant industry standards, such as PCI-DSS (Payment Card Industry Data Security Standard), to protect sensitive customer payment data.\",\"Accept <1>Bizum</1> payments in your physical store with \":\"Accept <1>Bizum</1> payments in your physical store with \",\"Acquirer Routing Engine\":\"Acquirer Routing Engine\",\"Affiliate program\":\"Affiliate program\",\"All Features + Integrations\":\"All Features + Integrations\",\"Amount\":\"Amount\",\"Apple Pay\":\"Apple Pay\",\"Apple Pay for PrestaShop\":\"Apple Pay for PrestaShop\",\"Apple Pay for Shopify\":\"Apple Pay for Shopify\",\"Apple Pay for Wix\":\"Apple Pay for Wix\",\"Apple Pay for WooCommerce\":\"Apple Pay for WooCommerce\",\"Are there any compliance requirements or security considerations I should be aware of?\":\"Are there any compliance requirements or security considerations I should be aware of?\",\"As your users sell more, their transaction <2>fees will decrease</2> in real-time and for in-person payments, <5>MONEI Pay</5> is 50% cheaper than a traditional POS\":\"As your users sell more, their transaction <2>fees will decrease</2> in real-time and for in-person payments, <5>MONEI Pay</5> is 50% cheaper than a traditional POS\",\"At MONEI, we provide customer support and technical assistance to help you  \\n          during the integration process and resolve any issues that may arise. This can  \\n          include documentation, developer resources, dedicated support channels, and  \\n          sometimes even on-site assistance depending on the specific service level  \\n          agreement (SLA) in place. We also handle KYC, onboarding, and payment security  \\n          and compliance for you.\":\"At MONEI, we provide customer support and technical assistance to help you  \\n          during the integration process and resolve any issues that may arise. This can  \\n          include documentation, developer resources, dedicated support channels, and  \\n          sometimes even on-site assistance depending on the specific service level  \\n          agreement (SLA) in place. We also handle KYC, onboarding, and payment security  \\n          and compliance for you.\",\"At MONEI, we provide customer support and technical assistance to help you during the integration process and resolve any issues that may arise. This can include documentation, developer resources, dedicated support channels, and sometimes even on-site assistance depending on the specific service level agreement (SLA) in place. We also handle KYC, onboarding, and payment security and compliance for you.\":\"At MONEI, we provide customer support and technical assistance to help you during the integration process and resolve any issues that may arise. This can include documentation, developer resources, dedicated support channels, and sometimes even on-site assistance depending on the specific service level agreement (SLA) in place. We also handle KYC, onboarding, and payment security and compliance for you.\",\"BETA\":\"BETA\",\"Bancontact\":\"Bancontact\",\"Become a MONEI Affiliate\":\"Become a MONEI Affiliate\",\"Benefits\":\"Benefits\",\"Billed to\":\"Billed to\",\"Bizum\":\"Bizum\",\"Bizum for PrestaShop\":\"Bizum for PrestaShop\",\"Bizum for Shopify\":\"Bizum for Shopify\",\"Bizum for Wix\":\"Bizum for Wix\",\"Bizum for WooCommerce\":\"Bizum for WooCommerce\",\"Blog\":\"Blog\",\"Bono Cultural\":\"Bono Cultural\",\"Chargebacks\":\"Chargebacks\",\"Click to Pay\":\"Click to Pay\",\"Company\":\"Company\",\"Compare Payment Gateways\":\"Compare Payment Gateways\",\"Compatible with\":\"Compatible with\",\"Complaint Channel\":\"Complaint Channel\",\"Contact\":\"Contact\",\"Contact Sales\":\"Contact Sales\",\"Contact sales now to tell us more about your business and payment needs.\":\"Contact sales now to tell us more about your business and payment needs.\",\"Credit Card\":\"Credit Card\",\"Credit cards\":\"Credit cards\",\"Custom Checkout\":\"Custom Checkout\",\"Custom domain\":\"Custom domain\",\"Daily Fee\":\"Daily Fee\",\"Dashboard\":\"Dashboard\",\"Dashboard Users\":\"Dashboard Users\",\"Date\":\"Date\",\"Dental Practice Payments\":\"Dental Practice Payments\",\"Developers\":\"Developers\",\"Docs\":\"Docs\",\"Documentation\":\"Documentation\",\"Don’t worry about fraud and transaction security issues, MONEI is <2>PCI DSS Level 1</2> compliant — we’ll take care of payment security for you\":\"Don’t worry about fraud and transaction security issues, MONEI is <2>PCI DSS Level 1</2> compliant — we’ll take care of payment security for you\",\"E-commerce platforms\":\"E-commerce platforms\",\"Earn a revenue share\":\"Earn a revenue share\",\"Email\":\"Email\",\"Features\":\"Features\",\"First name\":\"First name\",\"Food Truck POS System\":\"Food Truck POS System\",\"Food Truck Payments\":\"Food Truck Payments\",\"For Banks & <br/>Financial Institutions\":\"For Banks & <br/>Financial Institutions\",\"Four months ago\":\"Four months ago\",\"Freelancer Payments\":\"Freelancer Payments\",\"Fully 3D Secure\":\"Fully 3D Secure\",\"Fully PCI Level1 Compliant Card Vaulting\":\"Fully PCI Level1 Compliant Card Vaulting\",\"Get started today with the best integrated payments solution for your platform or marketplace\":\"Get started today with the best integrated payments solution for your platform or marketplace\",\"Get the MONEI Pay app for easy payments on the go\":\"Get the MONEI Pay app for easy payments on the go\",\"Getting started\":\"Getting started\",\"Glossary\":\"Glossary\",\"Go to Docs\":\"Go to Docs\",\"Google Pay\":\"Google Pay\",\"Google Pay for PrestaShop\":\"Google Pay for PrestaShop\",\"Google Pay for Shopify\":\"Google Pay for Shopify\",\"Google Pay for Wix\":\"Google Pay for Wix\",\"Google Pay for WooCommerce\":\"Google Pay for WooCommerce\",\"Grow your e-commerce business with MONEI’s payment gateway: Dynamic pricing. More payment methods. E-commerce platform or custom website integration. Join »\":\"Grow your e-commerce business with MONEI’s payment gateway: Dynamic pricing. More payment methods. E-commerce platform or custom website integration. Join »\",\"Hair Salon Payments\":\"Hair Salon Payments\",\"Help your platform or marketplace users accept the widest range of payment methods from <2>credit cards</2> to <5>Apple Pay</5>, <8>Google Pay</8>, <11>Bizum</11>, and more <14>local payment methods</14>\":\"Help your platform or marketplace users accept the widest range of payment methods from <2>credit cards</2> to <5>Apple Pay</5>, <8>Google Pay</8>, <11>Bizum</11>, and more <14>local payment methods</14>\",\"Help your users accept more payment methods\":\"Help your users accept more payment methods\",\"Help your users grow their businesses\":\"Help your users grow their businesses\",\"High Priority Support (Dedicated Slack Channel)\":\"High Priority Support (Dedicated Slack Channel)\",\"Highly recommended\":\"Highly recommended\",\"Home\":\"Home\",\"Honei is a platform in Spain that helps restaurants accept orders and payments\\n          via QR codes. By using MONEI Connect as an integrated payments partner, Honei\\n          can let its users accept all the payment methods MONEI supports without having\\n          to deal with the development, compliance, and KYC. It’s all handled by MONEI.\\n          More platforms that use MONEI Connect for integrated payments are Glop,\\n          Qamarero, Nuve, and Taxitronic.\":\"Honei is a platform in Spain that helps restaurants accept orders and payments\\n          via QR codes. By using MONEI Connect as an integrated payments partner, Honei\\n          can let its users accept all the payment methods MONEI supports without having\\n          to deal with the development, compliance, and KYC. It’s all handled by MONEI.\\n          More platforms that use MONEI Connect for integrated payments are Glop,\\n          Qamarero, Nuve, and Taxitronic.\",\"Honei is a platform in Spain that helps restaurants accept orders and payments via QR codes. By using MONEI Connect as an integrated payments partner, Honei can let its users accept all the payment methods MONEI supports without having to deal with the development, compliance, and KYC. It’s all handled by MONEI. More platforms that use MONEI Connect for integrated payments are Glop, Qamarero, Nuve, and Taxitronic.\":\"Honei is a platform in Spain that helps restaurants accept orders and payments via QR codes. By using MONEI Connect as an integrated payments partner, Honei can let its users accept all the payment methods MONEI supports without having to deal with the development, compliance, and KYC. It’s all handled by MONEI. More platforms that use MONEI Connect for integrated payments are Glop, Qamarero, Nuve, and Taxitronic.\",\"Hosted Payment Page\":\"Hosted Payment Page\",\"How long does it take to integrate an integrated payment solution into my platform or marketplace?\":\"How long does it take to integrate an integrated payment solution into my platform or marketplace?\",\"I give this application a 10 for my online store since thanks to it my clients can pay with bizum and other means of card payment, increasing my conversion rate. It is very simple and intuitive and anyone can connect their ecommerce to Money. They also have a super responsive support that answers all your questions. Highly recommended.\":\"I give this application a 10 for my online store since thanks to it my clients can pay with bizum and other means of card payment, increasing my conversion rate. It is very simple and intuitive and anyone can connect their ecommerce to Money. They also have a super responsive support that answers all your questions. Highly recommended.\",\"I use MONEI for my business and so far it works great. It is easy to integrate and the customer service is very good. I recommend it\":\"I use MONEI for my business and so far it works great. It is easy to integrate and the customer service is very good. I recommend it\",\"I've been using MONEI apps and MONEI Payments Platform for many years and I have only good words for them. The service is absolutely perfect, great customer service and very reasonable prices. I totally recommend it!\":\"I've been using MONEI apps and MONEI Payments Platform for many years and I have only good words for them. The service is absolutely perfect, great customer service and very reasonable prices. I totally recommend it!\",\"Integrated Payment Solutions for Platforms and Marketplaces\":\"Integrated Payment Solutions for Platforms and Marketplaces\",\"Integrated payment solutions FAQ\":\"Integrated payment solutions FAQ\",\"Integrated payment solutions for your platform or marketplace\":\"Integrated payment solutions for your platform or marketplace\",\"Integrated payment solutions help streamline and automate the payment acceptance process. It’s a payment system that communicates with the other software your business uses, making the payment integration for each platform or marketplace unique.\":\"Integrated payment solutions help streamline and automate the payment acceptance process. It’s a payment system that communicates with the other software your business uses, making the payment integration for each platform or marketplace unique.\",\"Integrations\":\"Integrations\",\"Interchange Fee Calculator\":\"Interchange Fee Calculator\",\"Join our monthly newsletter\":\"Join our monthly newsletter\",\"Klarna\":\"Klarna\",\"Labs\":\"Labs\",\"Last name\":\"Last name\",\"Last published posts\":\"Last published posts\",\"Learn More\":\"Learn More\",\"Legal\":\"Legal\",\"Legal Billing Software\":\"Legal Billing Software\",\"Legal Notice\":\"Legal Notice\",\"Let users accept payments online via a <2>customizable payment page</2> and in person from their phone or tablet, using <6>QR codes</6> or <9>payment requests</9>\":\"Let users accept payments online via a <2>customizable payment page</2> and in person from their phone or tablet, using <6>QR codes</6> or <9>payment requests</9>\",\"Leverage MONEI's billing system to charge your users/merchants for additional services\":\"Leverage MONEI's billing system to charge your users/merchants for additional services\",\"Looking for an integrated payment partner for your platform or marketplace? Build payment experiences without the high development costs. Get MONEI Connect ››\":\"Looking for an integrated payment partner for your platform or marketplace? Build payment experiences without the high development costs. Get MONEI Connect ››\",\"MONEI DIGITAL PAYMENTS SL - ESB02660926 Palestina, 1, Entreplanta, 29007, Málaga, Spain BORME Registry Details: Registro Mercantil de MÁLAGA T 5998, L 4905, F 54, S 8,H MA158775, I/A 1 (14.01.21). MONEI is a Swift member with BIC number: MDIPES22. MONEI is a member of the European Payments Council under the SRTP group. MONEI stores funds from merchants in omnibus (safeguard) accounts controlled by fully regulated financial institutions.\":\"MONEI DIGITAL PAYMENTS SL - ESB02660926 Palestina, 1, Entreplanta, 29007, Málaga, Spain BORME Registry Details: Registro Mercantil de MÁLAGA T 5998, L 4905, F 54, S 8,H MA158775, I/A 1 (14.01.21). MONEI is a Swift member with BIC number: MDIPES22. MONEI is a member of the European Payments Council under the SRTP group. MONEI stores funds from merchants in omnibus (safeguard) accounts controlled by fully regulated financial institutions.\",\"MONEI DIGITAL PAYMENTS SL is responsible for processing your personal data, the purpose of which is to manage your subscription to the MONEI Blog and send you information and trends about payments, expert business advice, and news about MONEI. You may exercise your rights of access, rectification, deletion, opposition, limitation, and portability by postal mail to Calle Palestina, 1, Entreplanta, 29007, Málaga, Spain or by email to <2>support@monei.com</2>, proving your identity. You can obtain more information about the processing of your personal data in the <5>Website Privacy Policy</5>\":\"MONEI DIGITAL PAYMENTS SL is responsible for processing your personal data, the purpose of which is to manage your subscription to the MONEI Blog and send you information and trends about payments, expert business advice, and news about MONEI. You may exercise your rights of access, rectification, deletion, opposition, limitation, and portability by postal mail to Calle Palestina, 1, Entreplanta, 29007, Málaga, Spain or by email to <2>support@monei.com</2>, proving your identity. You can obtain more information about the processing of your personal data in the <5>Website Privacy Policy</5>\",\"MONEI DIGITAL PAYMENTS SL is the controller of your personal data, the purpose and legal basis of which is to manage your request and, where applicable, to execute the contractual relationship. You will also receive emails about MONEI's activity, unless you have checked the objection box. You may exercise your rights of access, rectification, deletion, opposition, limitation and portability by post to Calle Palestina, 1, Entreplanta, 29007, Málaga, Spain or by email to <2>support@monei.com</2>, proving your identity. You can obtain more information about the processing of your personal data in the <4>Privacy Policy</4>.\":\"MONEI DIGITAL PAYMENTS SL is the controller of your personal data, the purpose and legal basis of which is to manage your request and, where applicable, to execute the contractual relationship. You will also receive emails about MONEI's activity, unless you have checked the objection box. You may exercise your rights of access, rectification, deletion, opposition, limitation and portability by post to Calle Palestina, 1, Entreplanta, 29007, Málaga, Spain or by email to <2>support@monei.com</2>, proving your identity. You can obtain more information about the processing of your personal data in the <4>Privacy Policy</4>.\",\"MONEI Experts\":\"MONEI Experts\",\"MONEI handles the <2>Know Your Customer (KYC)</2> and payout processes so you can onboard more users, faster, and spend time on sales instead of settlements\":\"MONEI handles the <2>Know Your Customer (KYC)</2> and payout processes so you can onboard more users, faster, and spend time on sales instead of settlements\",\"MONEI monthly\":\"MONEI monthly\",\"Make fewer errors\":\"Make fewer errors\",\"Monei Pay Video\":\"Monei Pay Video\",\"Monthly newsletter\":\"Monthly newsletter\",\"Multibanco\":\"Multibanco\",\"Network Tokenization\":\"Network Tokenization\",\"New product and feature announcements\":\"New product and feature announcements\",\"Omnichannel payments\":\"Omnichannel payments\",\"Online payments\":\"Online payments\",\"Open an Account\":\"Open an Account\",\"Order ID\":\"Order ID\",\"Order from [Your Brand]\":\"Order from [Your Brand]\",\"PCI DSS Level 1\":\"PCI DSS Level 1\",\"POS System for hair and beauty salons\":\"POS System for hair and beauty salons\",\"POS for Freelancers\":\"POS for Freelancers\",\"Page not found!\":\"Page not found!\",\"Partners\":\"Partners\",\"Pay by Link\":\"Pay by Link\",\"Pay €\":\"Pay €\",\"PayPal\":\"PayPal\",\"Payment Gateway\":\"Payment Gateway\",\"Payment Methods\":\"Payment Methods\",\"Payment methods\":\"Payment methods\",\"Payments Orchestration\":\"Payments Orchestration\",\"Payments orchestration\":\"Payments orchestration\",\"Paypal for PrestaShop\":\"Paypal for PrestaShop\",\"Paypal for Shopify\":\"Paypal for Shopify\",\"Paypal for Wix\":\"Paypal for Wix\",\"Paypal for WooCommerce\":\"Paypal for WooCommerce\",\"Periodic reminder\":\"Periodic reminder\",\"Physical payments\":\"Physical payments\",\"Press\":\"Press\",\"Pricing\":\"Pricing\",\"Privacy Policy\":\"Privacy Policy\",\"Product\":\"Product\",\"Products\":\"Products\",\"Proprietary MPI Server\":\"Proprietary MPI Server\",\"QR Code Payment for Restaurants\":\"QR Code Payment for Restaurants\",\"QR Code Payments\":\"QR Code Payments\",\"QR Payments\":\"QR Payments\",\"Quickly and easily integrate payments into your business platform or marketplace with <1>MONEI Connect</1>. Build and scale end-to-end payment experiences with a simple payment partner API. Save time and money with built-in onboarding, fully-managed KYC, and payments compliance and security. Get the best integrated payment solution for platforms and marketplaces — join MONEI.\":\"Quickly and easily integrate payments into your business platform or marketplace with <1>MONEI Connect</1>. Build and scale end-to-end payment experiences with a simple payment partner API. Save time and money with built-in onboarding, fully-managed KYC, and payments compliance and security. Get the best integrated payment solution for platforms and marketplaces — join MONEI.\",\"Read more\":\"Read more\",\"Recurring Payments\":\"Recurring Payments\",\"Recurring payments\":\"Recurring payments\",\"Refunds\":\"Refunds\",\"Resources\":\"Resources\",\"Restaurant Payments\":\"Restaurant Payments\",\"Retail & In-Store Payments\":\"Retail & In-Store Payments\",\"Retail POS System\":\"Retail POS System\",\"SEPA Direct Debit\":\"SEPA Direct Debit\",\"SEPA Request-to-Pay\":\"SEPA Request-to-Pay\",\"SOFORT\":\"SOFORT\",\"Save time and money developing your own payments solution\":\"Save time and money developing your own payments solution\",\"Save time and money on development by integrating with a single payment system that’s built to scale — add payments to your platform/marketplace or white label our payment solution and charge a fee\":\"Save time and money on development by integrating with a single payment system that’s built to scale — add payments to your platform/marketplace or white label our payment solution and charge a fee\",\"Scheme tokenization + Card updater\":\"Scheme tokenization + Card updater\",\"Seamlessly let your users accept payments\":\"Seamlessly let your users accept payments\",\"Service-level Agreement\":\"Service-level Agreement\",\"Settlement\":\"Settlement\",\"Setup Fee\":\"Setup Fee\",\"Skip dealing with payment compliance\":\"Skip dealing with payment compliance\",\"Smart Transaction Routing & Cascading\":\"Smart Transaction Routing & Cascading\",\"Stay in the loop when we launch new products and features, including more payment methods.\":\"Stay in the loop when we launch new products and features, including more payment methods.\",\"Still here?\":\"Still here?\",\"Subscribe\":\"Subscribe\",\"Subscribe to get latest news, e-commerce tips, and helpful resources from around the web.\":\"Subscribe to get latest news, e-commerce tips, and helpful resources from around the web.\",\"Subscription Payment Service\":\"Subscription Payment Service\",\"Subscription engine\":\"Subscription engine\",\"Subscriptions\":\"Subscriptions\",\"Super intuitive and easy to use\":\"Super intuitive and easy to use\",\"Support\":\"Support\",\"Support and Claims\":\"Support and Claims\",\"Taxi POS\":\"Taxi POS\",\"Taxi Payments\":\"Taxi Payments\",\"Thank you! We will keep in touch.\":\"Thank you! We will keep in touch.\",\"The best online payment aggregate out there\":\"The best online payment aggregate out there\",\"The project \\\"Development of an open, pan-European and secure digital payment technology\\\" has been subsidized by the CDTI.\":\"The project \\\"Development of an open, pan-European and secure digital payment technology\\\" has been subsidized by the CDTI.\",\"The time required for integration depends on various factors, including the\\n          complexity of your platform, the chosen payment solution, and the availability\\n          of developer resources. Generally, well-documented APIs and developer-friendly\\n          tools provided by integrated payment solutions (like MONEI Connect) can expedite\\n          the integration process.\":\"The time required for integration depends on various factors, including the\\n          complexity of your platform, the chosen payment solution, and the availability\\n          of developer resources. Generally, well-documented APIs and developer-friendly\\n          tools provided by integrated payment solutions (like MONEI Connect) can expedite\\n          the integration process.\",\"The time required for integration depends on various factors, including the complexity of your platform, the chosen payment solution, and the availability of developer resources. Generally, well-documented APIs and developer-friendly tools provided by integrated payment solutions (like MONEI Connect) can expedite the integration process.\":\"The time required for integration depends on various factors, including the complexity of your platform, the chosen payment solution, and the availability of developer resources. Generally, well-documented APIs and developer-friendly tools provided by integrated payment solutions (like MONEI Connect) can expedite the integration process.\",\"Three months ago\":\"Three months ago\",\"Trusted by\":\"Trusted by\",\"Try MONEI now!\":\"Try MONEI now!\",\"Try MONEI right now\":\"Try MONEI right now\",\"Two months ago\":\"Two months ago\",\"Two weeks ago\":\"Two weeks ago\",\"Unlimited API Access\":\"Unlimited API Access\",\"Use Cases\":\"Use Cases\",\"Use MONEI’s plugins and APIs to accept more payment methods and increase sales online and in-person — all from a single payment platform.\":\"Use MONEI’s plugins and APIs to accept more payment methods and increase sales online and in-person — all from a single payment platform.\",\"Use cases\":\"Use cases\",\"Use the Payment Partner Integration API\":\"Use the Payment Partner Integration API\",\"Very good service. Our users asked us to pay for bizum and since we implemented it, the conversion rate of the web has increased!\":\"Very good service. Our users asked us to pay for bizum and since we implemented it, the conversion rate of the web has increased!\",\"Vew all payment methods\":\"Vew all payment methods\",\"Visa-Mastercard for PrestaShop\":\"Visa-Mastercard for PrestaShop\",\"Visa-Mastercard for Shopify\":\"Visa-Mastercard for Shopify\",\"Visa-Mastercard for Wix\":\"Visa-Mastercard for Wix\",\"Visa-Mastercard for WooCommerce\":\"Visa-Mastercard for WooCommerce\",\"We are hiring!\":\"We are hiring!\",\"We have integrated Monei as our secure payment gateway, in a simple, fast and completely secure way. It also offers us payment methods such as Bizum, which increases the conversion of payments and gives options to all customers.\\nThe commissions with respect to others are lower and also the customer service in Spain is very efficient. Thank you\":\"We have integrated Monei as our secure payment gateway, in a simple, fast and completely secure way. It also offers us payment methods such as Bizum, which increases the conversion of payments and gives options to all customers.\\nThe commissions with respect to others are lower and also the customer service in Spain is very efficient. Thank you\",\"We use it every day to collect from our firm's clients and I can only recommend it to everyone. VERY LOW commissions and the next day you have the money deposited in your checking account. 10/10.\":\"We use it every day to collect from our firm's clients and I can only recommend it to everyone. VERY LOW commissions and the next day you have the money deposited in your checking account. 10/10.\",\"What MONEI merchants are saying\":\"What MONEI merchants are saying\",\"What are integrated payments?\":\"What are integrated payments?\",\"What are the main benefits of integrated payment solutions for platforms and marketplaces via MONEI Connect?\":\"What are the main benefits of integrated payment solutions for platforms and marketplaces via MONEI Connect?\",\"What kind of customer support or technical assistance is provided with integrated payment solutions?\":\"What kind of customer support or technical assistance is provided with integrated payment solutions?\",\"WhatsApp payments\":\"WhatsApp payments\",\"What’s an example of integrated payments?\":\"What’s an example of integrated payments?\",\"Whether your users sell online or in person, quickly integrate with MONEI Connect to help them accept <2>more payment methods</2>.\":\"Whether your users sell online or in person, quickly integrate with MONEI Connect to help them accept <2>more payment methods</2>.\",\"Write a review\":\"Write a review\",\"You will periodically receive reminders about your application status.\":\"You will periodically receive reminders about your application status.\",\"You will receive a monthly newsletter with the latest blog articles, payment insights and trends, expert business tips, and MONEI news.\":\"You will receive a monthly newsletter with the latest blog articles, payment insights and trends, expert business tips, and MONEI news.\",\"Your name\":\"Your name\",\"cards\":\"cards\",\"email is required\":\"email is required\",\"iDEAL\":\"iDEAL\",\"reviews\":\"reviews\",\"selling.description\":\"With MONEI, we set out to redefine our understanding of e-commerce. With child-like simplicity, military grade security and speed of a superhero, we made it the best experience possible for our merchants.\",\"should be a valid email\":\"should be a valid email\",\"¿Cuáles son los principales beneficios de las soluciones de pago integradas para plataformas y marketplaces a través de MONEI Connect?\":\"¿Cuáles son los principales beneficios de las soluciones de pago integradas para plataformas y marketplaces a través de MONEI Connect?\",\"🚀 Best Payment Platform for Business Growth\":\"🚀 Best Payment Platform for Business Growth\"}","language":"en"}}]},"prismic":{"allCategorys":{"edges":[{"node":{"title":"E-Commerce Tips","_meta":{"uid":"e-commerce-tips","lang":"en-gb"},"order":2}},{"node":{"title":"MONEI News","_meta":{"uid":"monei-news","lang":"en-gb"},"order":4}},{"node":{"title":"Retail Tips","_meta":{"uid":"retail-tips","lang":"en-gb"},"order":3}},{"node":{"title":"Payments Technology","_meta":{"uid":"payments-technology","lang":"en-gb"},"order":1}}]},"post":{"title":[{"type":"heading1","text":"What is tokenization? How it works and why it matters in payments","spans":[],"direction":"ltr"}],"meta_title":[{"type":"heading1","text":"What is payment tokenization?","spans":[],"direction":"ltr"}],"body":[{"type":"paragraph","text":"Every time a customer pays online, sensitive data is involved: card numbers, expiration dates, and security codes. If that data is exposed, the consequences can be costly for both your business and customers.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"That’s where tokenization comes in.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Tokenization is one of the most important security technologies in payments. It allows you to accept and process payments without ever storing or exposing real card details, reducing fraud risk, simplifying compliance, and improving the customer experience at checkout.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Whether you're running an e-commerce store, managing subscriptions, or handling payments across multiple channels, this payment technology plays a key role in keeping transactions secure and seamless.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"In this article, you’ll learn:","spans":[{"start":0,"end":30,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"What is payment tokenization?","spans":[{"start":0,"end":29,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/what-is-tokenization/#what-is-payment-tokenization","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"What is a token in payments?","spans":[{"start":0,"end":28,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/what-is-tokenization/#what-is-a-token-in-payments","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"How payment tokenization works","spans":[{"start":0,"end":30,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/what-is-tokenization/#how-payment-tokenization-works","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"Benefits of tokenization for businesses","spans":[{"start":0,"end":39,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/what-is-tokenization/#benefits-of-tokenization-for-businesses","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"Tokenization vs encryption","spans":[{"start":0,"end":26,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/what-is-tokenization/#tokenization-vs-encryption","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"Common use cases for tokenization in payments","spans":[{"start":0,"end":45,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/what-is-tokenization/#common-use-cases-for-tokenization-in-payments","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"Tokenization at MONEI","spans":[{"start":0,"end":21,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/what-is-tokenization/#tokenization-at-monei","target":"_blank"}}],"direction":"ltr"},{"type":"heading2","text":"What is payment tokenization? ","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Tokenization is a payment security process that replaces sensitive data — like a customer’s Primary Account Number (PAN) or card number — with a unique, randomly generated value called a token.","spans":[{"start":18,"end":34,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/page/payment-security/","target":"_self"}}],"direction":"ltr"},{"type":"paragraph","text":"The token acts as a secure reference to the original data, which is stored separately in a protected system (often called a token vault) managed by a payment service provider (PSP). On its own, the token has no value and can’t be used outside that specific payment environment.","spans":[{"start":150,"end":180,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/what-is-a-psp/","target":"_blank"}}],"direction":"ltr"},{"type":"paragraph","text":"Instead of handling real card details, your business only stores and processes tokens, significantly reducing its exposure to sensitive data.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"In simple terms:","spans":[{"start":0,"end":16,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Card details are replaced with a token","spans":[],"direction":"ltr"},{"type":"list-item","text":"Businesses store the token, not the card data","spans":[],"direction":"ltr"},{"type":"list-item","text":"Only the payment provider can map the token back to the original data","spans":[],"direction":"ltr"},{"type":"paragraph","text":"This approach reduces the risk of data breaches without adding friction to the payment experience.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Tokenization is used across payment flows, including:","spans":[],"direction":"ltr"},{"type":"list-item","text":"Online checkouts","spans":[{"start":0,"end":16,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/online-payments/","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"Saved cards and one-click payments","spans":[{"start":0,"end":11,"type":"hyperlink","data":{"link_type":"Web","url":"https://docs.monei.com/guides/save-payment-method/","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"Recurring billing and subscriptions","spans":[{"start":0,"end":17,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/features/recurring-payments/","target":"_blank"}},{"start":22,"end":35,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/features/subscriptions/","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"Digital wallets like Apple Pay or Google Pay","spans":[{"start":21,"end":30,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/payment-methods/apple-pay/","target":"_blank"}},{"start":34,"end":44,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/payment-methods/google-pay/","target":"_blank"}}],"direction":"ltr"},{"type":"heading3","text":"Payment tokenization vs network tokenization","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Payment tokenization involves a payment service provider (like MONEI) retaining a customer's card details, like the PAN, Primary Account Number (PAN), and creating tokens. These tokens are then used by merchants for processing payment transactions.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Network tokenization, on the other hand, is handled by card networks such as Mastercard, Visa, and American Express. In this scenario, these networks store the PAN and are responsible for token generation. A key advantage is that the tokens remain current and valid, even if the original card details change or expire, because the card networks manage the entire process from start to finish.","spans":[{"start":0,"end":20,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/features/network-tokenization/","target":"_blank"}}],"direction":"ltr"},{"type":"heading3","text":"Payment tokenization vs credential on file (COF)","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Payment tokenization replaces sensitive card details, while Credential on file (COF) refers to the practice of securely storing a customer’s payment details — either as raw card data or, more commonly, as a token — for future transactions. These can include one-click payments, subscriptions, or merchant-initiated charges.","spans":[],"direction":"ltr"},{"type":"heading2","text":"What is a token in payments?","spans":[],"direction":"ltr"},{"type":"paragraph","text":"A token is a randomly generated string of characters that replaces sensitive payment data, such as a credit card number. It acts as a secure reference to the original data, but unlike the real card details, it has no intrinsic value and cannot be reverse-engineered or used outside the system that created it.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Key characteristics of a token:","spans":[],"direction":"ltr"},{"type":"list-item","text":"No usable value. If a token is stolen, it can’t be used to complete a transaction.","spans":[{"start":0,"end":17,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"System-specific. A token only works within the payment environment it was created for.","spans":[{"start":0,"end":16,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Format-preserving (in some cases). Tokens may look like card numbers, but they don’t contain real data.","spans":[{"start":0,"end":34,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Reusable (depending on type). Some tokens can be used for future payments, like subscriptions or saved cards.","spans":[{"start":0,"end":30,"type":"strong"}],"direction":"ltr"},{"type":"heading2","text":"How payment tokenization works","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Tokenization happens behind the scenes in seconds, with no added friction for the customer — the payment experience feels exactly the same.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/monei/931a201b-7d79-4997-9916-64eb634b9357_Tokenization+Graph.png?auto=compress,format","alt":"Illustration of payment tokenization ","copyright":null,"dimensions":{"width":2880,"height":998}},{"type":"paragraph","text":"Here’s how the process works step by step:","spans":[{"start":0,"end":42,"type":"strong"}],"direction":"ltr"},{"type":"o-list-item","text":"The customer enters their payment details. At checkout, the customer provides their card information through a secure payment form.","spans":[{"start":0,"end":42,"type":"strong"}],"direction":"ltr"},{"type":"o-list-item","text":"The payment provider captures the data securely. The payment provider (or gateway) collects the sensitive data and sends it to a secure environment designed for tokenization.","spans":[{"start":0,"end":49,"type":"strong"}],"direction":"ltr"},{"type":"o-list-item","text":"The data is replaced with a token. The provider generates a unique token that represents the card details. This token has no connection to the original data outside the provider’s system.","spans":[{"start":0,"end":35,"type":"strong"}],"direction":"ltr"},{"type":"o-list-item","text":"The token is returned to the business. The business receives the token and stores it instead of the actual card data.","spans":[{"start":0,"end":39,"type":"strong"}],"direction":"ltr"},{"type":"o-list-item","text":"The token is used to process the payment. When the transaction is processed, the token is sent through the payment network. The provider securely maps it back to the original card details to complete the transaction.","spans":[{"start":0,"end":41,"type":"strong"}],"direction":"ltr"},{"type":"o-list-item","text":"The token can be reused (if applicable). For recurring payments or saved cards, the same token can be used again — without requiring the customer to re-enter their details.","spans":[{"start":0,"end":41,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Since your business never handles raw card data, the risk of exposing sensitive information is reduced. Even in the event of a breach, tokens are essentially useless to attackers.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"At the same time, tokenization enables faster, smoother payment experiences — like one-click checkout and automatic billing — without compromising security.","spans":[],"direction":"ltr"},{"type":"heading2","text":"Benefits of tokenization for businesses","spans":[],"direction":"ltr"},{"type":"paragraph","text":"According to a Nasdaq report, 8 out of 10 Spanish consumers experienced scam attempts in 2024. Tokenization is one way to reduce this by protecting payment data. It improves how your business handles payments, making transactions more secure, efficient, and scalable.","spans":[{"start":0,"end":28,"type":"hyperlink","data":{"link_type":"Web","url":"https://www.nasdaq.com/press-release/8-out-10-spanish-consumers-have-received-scam-attempts-2024-11-20","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"Stronger payment security. Tokenization reduces the risk of fraud by replacing sensitive card data with tokens that have no usable value. Even if a token is intercepted, it can’t be used to complete a transaction or access the original card details.","spans":[{"start":0,"end":26,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Lower risk in case of data breaches. Because your business doesn’t store raw card data, your exposure is significantly reduced. In the event of a breach, attackers won’t gain access to sensitive payment information — helping protect your customers and your reputation.","spans":[{"start":0,"end":36,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Easier PCI DSS compliance. Tokenization helps reduce the scope of PCI DSS requirements by limiting the amount of sensitive data your systems handle. While it doesn’t eliminate PCI compliance obligations, it makes them more manageable and lowers your operational burden.","spans":[{"start":0,"end":27,"type":"strong"},{"start":66,"end":73,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/pci-dss/","target":"_blank"}},{"start":176,"end":190,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/understanding-pci-compliance/","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"Better customer experience. With tokenization, customers don’t need to re-enter their card details for every purchase. This enables faster checkouts, one-click payments, and a smoother overall experience — especially for returning customers. ","spans":[{"start":0,"end":27,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Supports modern payment use cases. Tokenization powers many of the payment experiences customers expect today, including:","spans":[{"start":0,"end":35,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"          - Saved cards and one-click checkout","spans":[],"direction":"ltr"},{"type":"paragraph","text":"          - Recurring billing and subscriptions","spans":[],"direction":"ltr"},{"type":"paragraph","text":"          - Digital wallets like Apple Pay and Google Pay","spans":[],"direction":"ltr"},{"type":"paragraph","text":"          - Omnichannel payments across online and in-store channels","spans":[{"start":12,"end":32,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/omnichannel-payments-platform/","target":"_blank"}}],"direction":"ltr"},{"type":"heading2","text":"Tokenization vs encryption","spans":[],"direction":"ltr"},{"type":"paragraph","text":"These two payment technologies are often used together to reduce the amount of sensitive data stored in the first place (tokenization) and to protect data while it’s being transmitted (encryption). ","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Tokenization replaces sensitive data with a completely different value (a token). The original data is stored securely in a separate system (a token vault), and the token has no mathematical relationship to the original data.","spans":[{"start":0,"end":81,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"No sensitive data is exposed or stored by the business","spans":[],"direction":"ltr"},{"type":"list-item","text":"Tokens are useless if intercepted","spans":[],"direction":"ltr"},{"type":"list-item","text":"Only the payment provider can map the token back to the original data","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Encryption transforms sensitive data into an unreadable format using a cryptographic key. The data can be decrypted back to its original form, but only with the correct key.","spans":[{"start":0,"end":89,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Protects data in transit and at rest","spans":[],"direction":"ltr"},{"type":"list-item","text":"Encrypted data can be reversed with the right key","spans":[],"direction":"ltr"},{"type":"list-item","text":"Businesses may still handle encrypted sensitive data","spans":[],"direction":"ltr"},{"type":"heading2","text":"Common use cases for tokenization in payments","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Tokenization powers many of the payment experiences customers expect today, often without them even realizing it. It’s especially valuable if your business stores, reuses, or processes payment data across channels. Here are the most common use cases:","spans":[],"direction":"ltr"},{"type":"heading3","text":"Saved cards and one-click checkout","spans":[],"direction":"ltr"},{"type":"paragraph","text":"For e-commerce businesses, tokenization allows you to store a secure token instead of the customer’s card details. This enables faster repeat purchases and reduces friction at checkout.","spans":[],"direction":"ltr"},{"type":"heading3","text":"Recurring payments and subscriptions","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Subscription and SaaS companies use tokenization to charge customers automatically without storing sensitive data. Once a token is created, it can be reused securely for future billing cycles.","spans":[],"direction":"ltr"},{"type":"heading3","text":"Digital wallets","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Payment methods like Apple Pay, Google Pay, and Click to Pay rely on tokenization to securely store and transmit card details. Customers can complete purchases quickly without sharing their actual card information.","spans":[{"start":48,"end":60,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/payment-methods/click-to-pay/","target":"_blank"}}],"direction":"ltr"},{"type":"heading3","text":"Omnichannel payments","spans":[],"direction":"ltr"},{"type":"paragraph","text":"If your business operates both online and in-store, use tokenization to unify payment data across channels. A customer’s payment method can be securely reused across websites, physical stores, and mobile apps.","spans":[],"direction":"ltr"},{"type":"heading3","text":"Platforms and marketplaces","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Platforms that manage payments between multiple parties use tokenization to securely handle payment data at scale. It enables recurring payouts, flexible payment flows, and reduced exposure to sensitive information.","spans":[],"direction":"ltr"},{"type":"heading2","text":"Tokenization at MONEI","spans":[],"direction":"ltr"},{"type":"paragraph","text":"With MONEI, tokenization is built into your payment infrastructure, so you can accept, store, and reuse payment details securely without handling sensitive data directly.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"When a customer makes a payment, our payment gateway replaces their card details with a secure token. Your business only interacts with that token, while the original data is safely stored and managed within our PCI-compliant environment.","spans":[{"start":37,"end":52,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/payment-gateway/","target":"_blank"}}],"direction":"ltr"},{"type":"paragraph","text":"What you can do with tokenization at MONEI:","spans":[{"start":0,"end":43,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Accept payments securely. Process transactions without exposing or storing raw card data.","spans":[{"start":0,"end":25,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Enable saved payment methods. Let returning customers pay faster using securely stored tokens.","spans":[{"start":0,"end":29,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Support recurring billing. Use tokens to charge customers automatically for subscriptions or repeat purchases.","spans":[{"start":0,"end":26,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Offer digital wallets. Accept Apple Pay, Google Pay, and other tokenized payment methods with built-in security.","spans":[{"start":0,"end":22,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Unify payments across channels. Use the same tokenized data across online, in-store, and mobile payment flows.","spans":[{"start":0,"end":31,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"One-time and reusable tokens","spans":[{"start":0,"end":28,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"MONEI supports different token types depending on your use case:","spans":[],"direction":"ltr"},{"type":"list-item","text":"One-time tokens are used to securely process a single transaction.","spans":[{"start":0,"end":15,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Reusable tokens allow you to store a customer’s payment method and use it again for future payments, such as subscriptions or one-click checkout.","spans":[{"start":0,"end":15,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"We’re here to handle tokenization for you, so you can reduce your business's exposure to sensitive data, simplify compliance, grow your sales faster, and provide frictionless customer payment experiences. ","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/monei/384821cf-e00e-4e58-a6f5-fc925a9c167a_Blog+CTA+EN.png?auto=compress,format","alt":null,"copyright":null,"dimensions":{"width":2502,"height":848},"linkTo":{"link_type":"Web","url":"https://dashboard.monei.com/?action=signUp&utm_source=MONEI+Blog+%28EN%29&utm_medium=CTA&utm_campaign=What+is+Tokenization?_Open+an+Account","target":"_blank"}},{"type":"heading3","text":"You may also like to read: ","spans":[],"direction":"ltr"},{"type":"list-item","text":"What is a Payment Gateway? Why You Need One & How it Works","spans":[{"start":0,"end":58,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/what-is-a-payment-gateway/","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"PSD2: What is It? Why it’s Important + How to Be Compliant","spans":[{"start":0,"end":58,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/psd2/","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"What is SCA? (+ How it Benefits Consumers)","spans":[{"start":0,"end":42,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/sca/","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"The Top 4 Digital Wallets to Add to Your Online Store + Benefits for E-commerce","spans":[{"start":0,"end":79,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/digital-wallet-ecommerce/","target":"_blank"}}],"direction":"ltr"},{"type":"list-item","text":"AI in Payments: How It’s Transforming the Industry","spans":[{"start":0,"end":50,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/ai-in-payments/","target":"_blank"}}],"direction":"ltr"},{"type":"paragraph","text":"🎓​Find more definitions in our payment industry glossary.","spans":[{"start":0,"end":31,"type":"strong"},{"start":32,"end":57,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/payments-glossary/","target":"_blank"}},{"start":32,"end":58,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Check all of MONEI's payment security measures.","spans":[{"start":0,"end":47,"type":"strong"},{"start":13,"end":46,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/page/payment-security/","target":"_blank"}}],"direction":"ltr"}],"cta":null,"summary":[{"type":"paragraph","text":"Learn what tokenization is in payments, how it works, and how it can help you accept secure payments and reduce fraud risk for omnichannel transactions.","spans":[],"direction":"ltr"}],"image":{"dimensions":{"width":1248,"height":832},"alt":"security lock and credit cards on computer","copyright":null,"url":"https://images.prismic.io/monei/84799d70-b5cf-47fd-9532-6a64185b627f_computer-security-lock-and-payment.jpg?auto=compress,format&rect=0,0,4460,2973&w=1248&h=832"},"image_source":[{"type":"paragraph","text":"","spans":[]}],"custom_html":null,"meta_description":[{"type":"paragraph","text":"Learn what tokenization is in payments, how it works, and how it can help you accept secure payments and reduce fraud risk for omnichannel transactions.","spans":[],"direction":"ltr"}],"category":"payments-technology","updated_at":"2026-04-16","author_card":{"__typename":"PRISMIC_Author","author_name":[{"type":"heading3","text":"Alexis Damen ","spans":[]}],"author_description":[{"type":"paragraph","text":"Alexis Damen is a former Shopify merchant turned content marketer. Here, she breaks down complex topics about payments, e-commerce, and retail to help you succeed (with MONEI as your payments partner, of course).","spans":[],"direction":"ltr"}],"author_image":{"dimensions":{"width":1800,"height":2400},"alt":null,"copyright":null,"url":"https://images.prismic.io/monei/ZxkR3YF3NbkBX8MN_AlexisDamenProfile.JPG?auto=format,compress"},"_meta":{"uid":"alexis-damen"}},"_meta":{"uid":"what-is-tokenization","lang":"en-gb","alternateLanguages":[{"lang":"fr-fr"},{"lang":"es-es"}],"firstPublicationDate":"2020-09-01T08:55:01+0000","tags":["Payment Security ","Fintech"]},"slice_zone":[{"__typename":"PRISMIC_PostSlice_zoneFaq_section","fields":[{"title":[{"type":"heading3","text":"What is tokenization in the context of e-commerce?","spans":[]}],"text":[{"type":"paragraph","text":"Tokenization in e-commerce refers to the process of replacing sensitive payment card data, like credit card numbers, with a unique identifier called a token. This token can be used for transaction processing, while the actual card details are securely stored by a payment service provider or a tokenization service.","spans":[{"start":243,"end":258,"type":"hyperlink","data":{"link_type":"Web","url":"https://docs.monei.com/docs/guides/save-payment-method/"}},{"start":264,"end":288,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/what-is-a-psp/"}}]}]},{"title":[{"type":"heading3","text":"Is tokenization compliant with PCI DSS?","spans":[]}],"text":[{"type":"paragraph","text":"Yes, it helps you achieve PCI DSS compliance. By eliminating the storage of sensitive card data, you can significantly reduce the scope of your PCI audit, as the tokenization service provider bears the responsibility of safeguarding the actual card information.","spans":[{"start":26,"end":44,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/pci-dss/"}}]}]},{"title":[{"type":"heading3","text":"Can tokens be reversed to retrieve the original payment card details?","spans":[]}],"text":[{"type":"paragraph","text":"No, they are irreversible. They are generated using mathematical algorithms that cannot be reversed to retrieve the original card information. Tokens are designed to be used as substitutes for card data without exposing sensitive details.","spans":[]}]},{"title":[{"type":"heading3","text":"Are tokens unique to each merchant or shared across multiple merchants?","spans":[]}],"text":[{"type":"paragraph","text":"Tokens are unique to each merchant. The tokenization process generates a token specific to your environment and system, so nobody else can use it.","spans":[]}]},{"title":[{"type":"heading3","text":"Can tokens be used for multiple transactions?","spans":[]}],"text":[{"type":"paragraph","text":"Yes, tokens can be used for multiple transactions within the same system. Once a payment card is tokenized, the token can be securely stored for future use, such as processing recurring payments or facilitating a seamless checkout experience for returning customers.","spans":[{"start":176,"end":194,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/what-is-recurring-payment/"}}]}]},{"title":[{"type":"heading3","text":"What happens if a tokenized transaction needs to be refunded?","spans":[]}],"text":[{"type":"paragraph","text":"When a refund is requested, you need to use the token to identify the original transaction and initiate the refund process. The payment service provider matches the token with the actual card details in their secure storage, processes the refund, and communicates the outcome back to you.","spans":[{"start":7,"end":13,"type":"hyperlink","data":{"link_type":"Web","url":"https://support.monei.com/hc/articles/360017952778"}}]}]},{"title":[{"type":"heading3","text":"How secure is tokenization compared to other payment security methods?","spans":[]}],"text":[{"type":"paragraph","text":"Tokenization is considered a highly secure payment method for protecting cardholder data. It minimizes the risk of data breaches, as tokens hold no value for attackers without the associated card details. Compared to other methods like data encryption, it offers an added layer of security.","spans":[]}]},{"title":[{"type":"heading3","text":"Does tokenization affect the customer's payment experience?","spans":[]}],"text":[{"type":"paragraph","text":"It generally improves the customer's payment experience. Once the card is tokenized, customers can make future purchases without repeatedly entering their card details. This convenience speeds up the checkout process and reduces friction for returning customers.","spans":[{"start":200,"end":216,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/customize-your-ecommerce-checkout-page-with-monei/"}}]}]},{"title":[{"type":"heading3","text":"How can I implement tokenization in my e-commerce store","spans":[]}],"text":[{"type":"paragraph","text":"To implement tokenization, you can integrate with a payment service provider (like MONEI)  that supports your e-commerce platform. It will provide you with the necessary APIs and documentation to securely tokenize and store payment card data.","spans":[{"start":78,"end":88,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/payment-gateway/"}},{"start":110,"end":129,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/page/payment-method-integrations-ecommerce-platforms/"}},{"start":170,"end":192,"type":"hyperlink","data":{"link_type":"Web","url":"https://docs.monei.com/"}}]}]},{"title":[{"type":"heading3","text":"Is tokenization applicable to all types of payment methods, such as debit cards and digital wallets?","spans":[]}],"text":[{"type":"paragraph","text":"Yes, it can be used for various payment methods, including credit cards, debit cards, and digital wallets. The process replaces the sensitive card data with tokens, regardless of the payment method used by the customer.","spans":[{"start":32,"end":47,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/payment-methods/"}},{"start":59,"end":71,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/payment-methods/credit-cards/"}}]}]},{"title":[{"type":"heading3","text":"Is tokenization used for in-store transactions as well, or is it limited to online payments?","spans":[]}],"text":[{"type":"paragraph","text":"It can be used for both online and in-store transactions. Many payment service providers offer solutions that support tokenization across various sales channels, including online, in store, and mobile payments.","spans":[{"start":35,"end":56,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/monei-pay/retail-POS-system/"}},{"start":146,"end":160,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/omnichannel-payments-platform/"}},{"start":194,"end":209,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/benefits-of-mobile-payments/"}}]}]},{"title":[{"type":"heading3","text":"Are there any additional costs associated with implementing tokenization?","spans":[]}],"text":[{"type":"paragraph","text":"There may be costs associated with implementing tokenization depending on the PSP you use, but not with MONEI. We charge transaction fees, but you won’t incur additional fees for using this technology. ","spans":[]}]},{"title":[{"type":"heading3","text":"Can tokens expire or become invalid over time?","spans":[]}],"text":[{"type":"paragraph","text":"Tokens can be configured with an expiration period if required. However, the expiration of tokens is typically managed by the payment service provider, and you would need to check their specific tokenization guidelines to understand the lifespan of tokens in your system.","spans":[]}]},{"title":[{"type":"heading3","text":"What happens if there is a breach in the tokenized data?","spans":[]}],"text":[{"type":"paragraph","text":"In the event of a breach, tokenized data alone is useless to attackers since it does not contain the original card details. However, it’s still essential to follow payment security best practices and to regularly monitor for any signs of unauthorized access or suspicious activity","spans":[{"start":164,"end":180,"type":"hyperlink","data":{"link_type":"Web","url":"https://monei.com/blog/secure-payments/"}}]}]},{"title":[{"type":"heading3","text":"Are there any legal or regulatory considerations when implementing tokenization?","spans":[]}],"text":[{"type":"paragraph","text":"While tokenization can enhance security and compliance, it's important to consult with legal experts and understand the specific laws and regulations governing your industry and jurisdiction. Compliance requirements such as GDPR or data privacy laws may have implications for how tokenization should be implemented and managed.","spans":[]}]}],"type":"faq_section","primary":{"faqs_description":null,"faqs_title":[{"type":"heading1","text":"Tokenization FAQ","spans":[]}]}}]},"prevArticle":{"title":[{"type":"heading1","text":"MONEI is Selected for the Visa Innovation Program Europe","spans":[]}],"_meta":{"uid":"monei-in-the-visa-innovation-program-europe","lang":"en-gb","type":"post"}},"nextArticle":{"title":[{"type":"heading1","text":"Accept Google Pay in Your E-commerce Store with MONEI","spans":[]}],"_meta":{"uid":"accept-google-pay-ecommerce","lang":"en-gb","type":"post"}}},"popularPosts":{"allPosts":{"edges":[{"node":{"title":[{"type":"heading1","text":"QR Code Payments: What They Are, How They Work, and How to Accept Them  ","spans":[]}],"_meta":{"uid":"qr-code-payments"}}},{"node":{"title":[{"type":"heading1","text":"Fintech vs Traditional Banks: Competition or Collaboration? 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