Tokenization
Protect Payment Data. Without Disrupting Your Payments.
Multiple tokenization approaches. One security strategy.
Payment environments are evolving, but sensitive card data remains one of the biggest security and compliance challenges for financial institutions, processors and merchants.
OmniPayments provides multiple tokenization approaches designed for different payment architectures, from proprietary vault and vaultless tokenization to network tokenization and no-code-change integration.
Protect sensitive payment data while preserving the applications, transaction flows and customer experiences your business depends on.
Explore the three ways OmniPayments can help you tokenize payment data.
Talk to an OmniPayments ExpertThree Tokenization Approaches
OmniToken
Proprietary Tokenization: Vault or Vaultless
Take control of your tokenization strategy.
OmniToken is OmniPayments' proprietary tokenization solution for replacing sensitive card data with secure, non-sensitive tokens.
It can support vault-based and vaultless tokenization models, allowing organizations to select the architecture that best fits their security, compliance and operational requirements.
Tokens can preserve the required card-data format and can be used across payment applications, databases and downstream systems without exposing the original PAN.
Key capabilities
- Vault and vaultless tokenization
- Format-preserving tokenization
- Configurable data masking
- Secure token lifecycle management
- Token provisioning, verification and detokenization
- REST APIs using JSON/XML and OAuth2
- HSM-based security
- Integration with existing payment environments
OmniToken is designed to support use cases including stored PAN protection, card-on-file, recurring payments, digital wallets and legacy payment environments.
Financial institutions, processors and merchants looking for a proprietary tokenization platform with control over their tokenization environment.
Network Tokenization
Tokenization Through the Payment Networks
Use network tokens where the ecosystem already supports them.
OmniPayments can integrate with network tokenization services from major card brands, including Visa, Mastercard and AMEX, allowing organizations to leverage network-based tokenization as part of their payment flows.
OmniPayments can act as the integration layer between the payment environment and the applicable network tokenization service, helping provision and manage tokens while maintaining the existing payment experience.
The Solution Brief describes the network-token model as OmniPayments acting as a token requestor to Visa/Mastercard Token Service Providers, with the token subsequently used through the payment flow.
Benefits
- Network-based tokenization
- Reduced exposure of actual PANs
- Support for digital and card-on-file payment scenarios
- Integration with existing payment processing environments
- Improved security for online and mobile payments
- Support for token lifecycle operations
Organizations looking to leverage card-network tokenization as part of their digital payment strategy.
Omni Intercept Library
Tokenize Existing Applications: Without Code Changes
Protect your data without rewriting your applications.
For organizations with established payment applications and databases, tokenization does not have to mean a major modernization project.
The Omni Intercept Library integrates with existing environments by intercepting database I/O operations.
It can:
This allows sensitive card data to be tokenized while existing applications continue operating without requiring application code changes.
The Solution Brief specifically describes integration with customer databases such as Legacy solutions through I/O interception, tokenizing data when it is written and detokenizing it when it is read.
Why it matters
- No application code changes
- Protect existing databases and applications
- Reduce migration complexity
- Minimize implementation effort
- Support legacy payment environments
- Tokenize data without redesigning the transaction flow
Organizations that need to protect sensitive payment data in existing or legacy applications without undertaking a major application rewrite.
Your payment architecture does not have to fit a predefined tokenization model.
OmniPayments can help you determine which approach, or combination of approaches, best fits your applications, payment flows and security requirements.
Built for Mission-Critical Payments
Tokenization is not simply a security add-on. In a payment environment, it needs to work without compromising transaction performance, availability or the applications that run the business. OmniToken is designed around the requirements of mission-critical payment environments, with capabilities including:
PCI DSS v4.0
Designed to support the protection of sensitive cardholder data and PCI DSS requirements.
HSM-Based Security
Integration with industry-grade HSM environments, including Utimaco and Thales.
API Integration
REST APIs using JSON/XML and OAuth2 for integration with mobile, e-commerce and POS environments.
Legacy-Friendly
Tokenization designed to work with existing payment applications and environments, including legacy systems.
Secure Token Lifecycle
Support for token provisioning, updates, verification and detokenization.
Where Tokenization Makes an Impact
Issuing & Banking
Protect stored PANs and reduce exposure of sensitive cardholder data.
E-commerce
Secure card-on-file and recurring payment environments.
Digital Wallets
Support tokenized payment credentials for digital and contactless experiences.
Legacy Payment Systems
Introduce tokenization without requiring application code changes.
Payment Processing
Protect sensitive data as it moves across payment applications and downstream systems.
Loyalty & Closed-Loop Payments
Tokenize payment credentials while maintaining the required transaction format.
Why OmniPayments for Tokenization?
Security designed around payments.
Tokenization is most effective when it understands the environment it is protecting. OmniPayments combines payment processing expertise with tokenization, security, integration and mission-critical infrastructure capabilities — allowing organizations to protect sensitive data without unnecessarily disrupting the payment ecosystem.
30+ years of payment technology expertise
tokenizationPCI-compliant tokenization
Multiple tokenization models
Legacy-friendly integration
HSM integration
Mission-critical payment environments
Ready to protect your payment data?
Let’s discuss the tokenization approach that best fits your environment.
Copyright © All rights reserved | Opsol Integrators Inc