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What is tokenisation and why does it matter?

3 October 2026 · 5 min read

Replacing card numbers with tokens reduces fraud, keeps cards up to date and simplifies compliance.

Tokens in a nutshell

A token is a substitute value that stands in for a real card number. If it is stolen, it is useless outside the context it was created for.

Network tokens

Visa and Mastercard issue network tokens that are automatically updated when a card is reissued, which helps subscription businesses avoid failed renewals.

Compliance benefits

Storing tokens instead of card numbers can significantly reduce the parts of your system that fall into PCI DSS scope.

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Visa, Mastercard, Apple Pay and Google Pay through one integration.

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