API TOKENIZATION

HostedPCI understands that not every Merchant can change their entire collection process to support our iFrame however would still like to reduce their PCI scope by not storing the credit card data. To cater to these needs HostedPCI provides the ability to tokenize a credit card through an API after it has been collected by the Merchant. This service allows Merchants to keep their checkout page without the need to store or exchange the credit card after it has been collected.

HPCI API Tokenization Flow

Once the merchants have collected the credit cards through their own checkout pages or over the phone they send this information to HostedPCI via an API call. HostedPCI then replaces the PAN with desensitized tokens that share the first 4 and last 4 digits of the credit card and the other 8 digits randomly selected. This combination can be customized according to the merchants’ needs. Once the tokens are generated they are then sent to the designated internal system as decided by the merchants while the original credit card PAN data is stored securely in HostedPCI’s vault. Each merchant gets their own designated vault.

By utilizing our API Tokenization solution, the merchants can reduce their PCI scope since they do not store the credit card data within their environment. If you would like to know more about this solution you can contact us either by phone or fill up our contact form and we will get back to you.

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