Payments · Features

Payment Tokenization and Vaulting

Paygasus helps businesses protect stored payment credentials with tokenization, card vaulting, and network token support for recurring payments, repeat purchases, card-on-file workflows, and PCI scope reduction.

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PAN → token → vault

The card leaves. The token stays.

Tokenize · vault · card-on-file

The custody layer — proven across stored credentials

$100B+

Processed
annually

Vaulted

Card-on-file
credentials

Network

Token support
for continuity

PCI L1

Scope-reducing
handling

1,350+

Cities
served

Countries
operating

What it is

Protect stored payment data with tokenization

Payment tokenization replaces sensitive card data with tokens that can be used for approved payment workflows without exposing the original payment details. Vaulting gives businesses a controlled way to store card-on-file credentials for recurring billing, repeat purchases, account billing, and omnichannel payment activity.

Payment data protection

Businesses that store payment credentials need a safer way to support repeat payments without raw card data spreading across websites, internal systems, support teams, or billing workflows. Tokenization and vaulting help reduce payment data exposure while supporting customer billing and repeat transaction workflows.

Operational value

Use tokenized payment credentials to support recurring payments, card-on-file billing, repeat purchases, and payment method updates while reducing the operational burden of handling sensitive cardholder data.

Tokenize payment credentials for card-on-file and repeat payment use cases.
Use card vaulting to support recurring billing and stored payment workflows.
Apply network token workflows for card-on-file payment continuity.
Reduce direct exposure to sensitive cardholder data across payment operations.
Reduce PCI scope exposure through secure payment data handling.

Tokenization and vaulting key features

Store it once, protect it everywhere

Keep credentials current, hold them safely, and govern how every token is used.

Network Token Support

Card-on-File Continuity

Support network token workflows that help keep eligible card-on-file credentials current when cards expire, are reissued, replaced, or updated, reducing disruption across recurring and repeat payment scenarios.

Card Vaulting for Repeat Payments

Secure Stored Credentials

Use secure vaulting to store tokenized payment credentials for recurring billing, account billing, repeat purchases, subscriptions, and other approved stored payment workflows.

Token Lifecycle Management

Controlled Token Workflows

Manage token creation, storage, usage, updates, and approved token access so payment teams can support stored credential workflows with stronger operational control.

What your systems actually touch

The card goes in. A token comes out.

Raw card data enters once and stays in the vault. Everything downstream — billing, repeat purchases, support — works against a token instead, so sensitive credentials never spread.

Tokenization, illustrated

vault · network tokens

What the customer enters

4111 1111 1111 1111

Sensitive card data — captured once, never stored across your apps, support tools, or billing systems.

→Vaulted &
swapped

What your systems touch

tok_9f2a••••c71b

A token stands in for the card across recurring, repeat, and card-on-file workflows — no raw PAN required.

Type 01

Vault token

References stored payment credentials inside the payment vault for approved repeat and account-based workflows.

Type 02

Network token

Issued through card-network tokenization to keep eligible card-on-file credentials current when cards expire, are reissued, replaced, or updated.

The difference

Tokenization vs. encryption

See how tokenization and encryption support different payment security needs across card storage, PCI scope, transaction workflows, and internal data exposure.

Security Need	Tokenization	Encryption
Payment Data Exposure	Replaces sensitive payment data with tokens that can be used without exposing the original card details.	Protects data with encryption, but the original data can be restored with the correct key.
Card-on-File Storage	Supports stored credential workflows by keeping card data protected inside a controlled vault environment.	Can protect stored data, but still requires careful key management and access controls.
Recurring and Repeat Payments	Allows approved tokens to be used for recurring billing, repeat purchases, subscriptions, and account billing.	May support storage and processing, but sensitive data handling remains tied to encryption and decryption controls.
PCI Scope	Can help reduce PCI scope by limiting where sensitive cardholder data is stored, handled, or exposed.	May still leave systems in scope if encrypted cardholder data is stored or processed internally.
Credential Updates	Network token workflows can help keep eligible card-on-file credentials current after card changes.	Encrypted stored credentials may still require separate update workflows when cards expire or are reissued.
Operational Control	Gives teams a structured way to manage tokenized credentials, token usage, and approved payment workflows.	Requires strong key management, data access controls, and internal handling procedures.

Need a safer way to manage stored payment data?

Talk to a specialist →

Why Paygasus

Protect payment data across channels

Paygasus supports payment tokenization and vaulting for businesses that need safer credential handling across online, in-person, in-app, recurring, and card-on-file payment environments. Use tokenized payment data to support stored-payment workflows while limiting direct exposure to sensitive cardholder data.

Operational impact

Tokenization and vaulting can help teams reduce payment data exposure, support stored credential workflows, improve control over card-on-file usage, and simplify internal payment security operations.

Protect stored payment credentials for card-on-file workflows.
Apply network token workflows for eligible payment credentials.
Help keep card-on-file details current when cards are updated.
Use tokenized credentials across recurring and repeat payment workflows.
Reduce PCI scope exposure through secure payment data handling.

How teams use it

How teams use tokenization and vaulting

Use tokenization and vaulting to protect payment credentials, support stored payment workflows, reduce data exposure, and manage card-on-file payment activity.

Tokenize Payment Data

Replace sensitive payment details with tokens that can support approved payment workflows without exposing the original card data.

Card-on-file tokenization
Network token support
Stored credential workflows

Vault Stored Credentials

Keep tokenized payment credentials available for recurring billing, repeat purchases, and account-based payment relationships.

Card vaulting
Stored credentials
Access controls

Use Tokens for Payments

Use approved tokens for recurring billing, repeat purchases, subscriptions, account billing, and other stored payment scenarios.

Recurring payments
Repeat purchases
Omnichannel payment use

Reduce Data Exposure

Limit where sensitive payment data is stored, handled, or exposed while supporting secure payment operations.

PCI scope reduction
Payment data control
Secure payment workflows

Questions

Frequently Asked Questions

Paygasus supports tokenization and vaulting so businesses can use tokenized payment credentials instead of exposing raw card data across recurring billing, repeat purchases, card-on-file payments, and account-based payment workflows.

Yes. Tokenization and vaulting can support recurring payments, subscriptions, account billing, repeat purchases, and other card-on-file workflows by allowing approved tokens to be used instead of repeatedly collecting or storing raw payment details.

Vault tokens are typically used to reference stored payment credentials inside a payment vault. Network tokens are issued through card network tokenization workflows and can help keep eligible card-on-file credentials current when cards expire, are reissued, replaced, or updated for recurring and repeat payment use cases.

Tokenization reduces exposure by replacing sensitive payment details with tokens that can be used for approved workflows. This limits where cardholder data is stored or handled and can help reduce the risk created by direct access to raw payment credentials.

Tokenization can support PCI scope reduction by keeping more payment activity tied to tokens instead of raw cardholder data. Businesses may still have PCI responsibilities, but tokenization can simplify how teams manage card storage, internal access, and secure payment workflows.

Open the custody layer

Ready to Protect Stored Payment Data?

Use Paygasus’ payment tokenization and vaulting to protect card-on-file credentials, support recurring and repeat payment workflows, limit raw card data exposure, and simplify secure payment operations.

Learn more →Book a demo