Tokenization

Card-on-File Tokenization

Card-on-File Tokenization

To safeguard India from mounting cyber and financial fraud cases, the Reserve Bank of India rolled out a landmark decision in September 2021. The new regulation by the central bank permitted the payments networks and issuer Banks to offer card tokenization services as Token Service Providers (TSPs) to the e-commerce Merchants and Payment Aggregators starting 1 January 2022. Tokenization is a mechanism to replace card numbers with a token, i.e., a virtual number, specific to a merchant. When a consumer logs into a merchant app or website, where their card details were stored, they only see the last 4 digits…
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