eCOM Tokenizer

eCOM Tokenizer: one interface that connects to multiple card networks or the invisible security behind an online transaction

Network tokenization is vital in securing digital transactions, providing future-proof security measures, enhancing user experience and ensuring compliance. It is an essential tool for businesses and organizations seeking to protect sensitive payment data and build trust with their customers in an increasingly digital world. Without overloading the checkout experience with additional tools and process steps, but indeed invisibly to the consumer, network tokenization replaces the most sensitive payment data with non-sensitive, unique tokens, creating an environment where cardholders feel more comfortable and secure keeping their credentials with the merchant and seamlessly purchasing online.
G+D Netcetera, with its global reach and experience in the financing sector, together with Netcetera’s long-standing and proven expertise in securing digital payments, recognised the importance of this technology and teamed up to provide a service which enables merchants and PSPs to tokenize and securely process their customers’ card data according to all industry regulations and standards. Although the card networks network tokenization programs have been initially designed to directly integrate Merchants and Payment Service Providers, G+D Netcetera, leveraging its technology excellence and innovative thinking, stepped in as a technology provider and integrator to offer the businesses aggregated yet seamless access to multiple network token systems at ones.

Shortly, network tokenization is beneficial for: • Replacing PAN with a token to reduce risk • Utilizing cryptograms per transaction to improve security • Keeping credentials up to date to avoid abandonment and to provide more seamless UX

Please see: https://www.netcetera.com/payments/Acquiring/eCOM-Tokenizer.html

Empowers businesses to tokenize cards on file efficiently. A robust and scalable cloud service suitable for businesses of any size, anywhere in the world. It offers hassle-free integration via a single API, supported with comprehensive documentation. An award-winning product, certified and approved by major card networks (Visa, Mastercard, Elo, pre-evaluated by Discover)

G+D Netcetera eCOM Tokenizer is a cutting-edge, scalable, cloud-based solution implemented with the latest technology. It integrates with the major payment networks, offering a single, unified API. By using our service, businesses can benefit significantly from the: Faster time to Market. eCOM Tokenizer is already integrated with the card networks tokens services, which reduces commercial and contractual efforts. Instead of individual agreements with each card network separately, with the complex process of legal, due diligence, agreeing on the terms and conditions and commercial negotiations, you will be signing only once with us. Instead of undergoing the time-consuming and uneasy certification process with each card network, you will receive a service approved by the card networks and ready for use Integrating with One API interface. Instead of integrating with multiple card network systems, each with differently designed APIs, enjoy a simple and straightforward onboarding process with our API, supported by extensive online documentation. Throughout the process, the client will be guided and continuously supported by a dedicated team of experts. Effortless maintenance - We offer a service that will automatically provide all the card network novelties and updates related to its functionality. Considering that the card networks are continuously modifying and advancing their programs, G+D Netcetera eCOM Tokenzer provides the new functionalities through a smooth service upgrade process, according to an agreed service availability and SLA support.

Our cloud-native solution sits invisibly behind e-commerce transactions and enhances security, convenience, and conversion in the e-commerce business. • Striking a balance between robust security and Seamless CX: It converts sensitive card details into unique tokens– digital aliases with low intrinsic value – card data never needs to be stored by a merchant, with private data kept safe by encryption, providing a seamless and secure payment experience across the ecosystem. • Scalable and card networks agnostic: A single harmonized API that provides access to the tokenization services of multiple card networks. This speeds up time-to-market and drastically reduces complexity.
• Effortless Maintenance: Automatic implementation of card network updates reduces overall maintenance efforts.
• Opens the door for the latest advancements: Enables you to reinvent the online checkout experience by offering value-added services like Click to Pay for your guest checkout. • Cost-effective: Acquirers processing tokenized CoF Authorization will enjoy pricing benefits, contrary to the additional fee for PAN-approved purchase transactions that the major card networks will start charging.

During card enrolment, eCOM Tokenizer obtains a network token from the Token Service Provider (TSP). Through the checkout, each CIT (Customer Initiated Transaction) is strengthened with an additional element, the cryptogram, contributing to higher security. The lifecycle management service ensures seamless and secure e-commerce, where the network token is decoupled from the funding card for notification renewals, and the card data updates happen without any involvement of the cardholder. Easily combined with: • Click-to-Pay • FIDO Authentication / SCA through device binding • Push and Pull Provisioning creates another step towards ensuring a seamless customer experience.

https://info.netcetera.com/l/859863/2024-03-08/4xlgjf/859863/1709895248fFeADGvA/Global_Payments_Europe_Case_Study_final.pdf

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