Tokenization that puts you in control of cardholder data
Secure your customers, reduce your compliance burden and retain the flexibility and independence to effectively manage your business with single- and multi-use tokens from ACI
ACI’s omni-tokens can be used across channels and with card and alternative payment methods. Our omni-tokens link the customer to their tokenized payment method with ease, while ensuring their highly-sensitive personal data remains secure.
Use omni-token across online, mobile, in-store and MOTO payments
Power the seamless omni-channel experience your customers demand
Offer secure “buy online, pick up in-store” and subscription services
Simplify and speed up the returns process
Deliver an optimal omni-channel experience
Gain a comprehensive look at tokenization and omni-tokens, and explore how to enable frictionless customer journeys, the major benefits of merchant tokenization, how omni-tokens can be securely shared across once-siloed systems and real-world use cases.
Our merchant omni-tokens give complete ownership of tokenization capability. And when it comes to external payment processes including authorization, settlement and reconciliation, we convert the tokens back to PANs within our safe harbor and handle the processes out to issuers, acquirers and schemes.
Flex which acquirers and providers you work with, with no impact on stored tokens
Connect to external partners such as loyalty program providers
Leverage omni-tokens for internal functions like reporting
Secure authorization with card networks
Sending card data in the clear is a thing of the past. Discover the benefits of associating network tokens with omni-tokens for securing payments data and improving the customer experience.
Increase security PANs are never in the clear, and each new transaction is accompanied by a cryptogram for added security
Reduce costs In addition to lower interchange rates for card on file (COF) transactions, card networks are giving additional incentives for network token use
Improve conversion Declines are reduced and transactions are typically authorized even if the card is expired, lost or stolen
Lower fraud Visa reports fraud rates decline 28% when network tokens are used*
Belt and braces — the security duo for credit card data
Tokenization is one piece of the puzzle when it comes to data security — and its perfect teammate is point-to-point encryption (P2PE), which encrypts sensitive card and customer information at the terminal.
Hackers target customer payments data from merchants’ back-office systems and as it travels from the payments terminal to the processor. Combine tokenization and P2PE capabilities to give you peace of mind that customer data is protected at every touchpoint.
ACI Worldwide delivers payment and fraud management capabilities that allow merchants to manage and protect the full lifecycle of payments.
ACI Payments Orchestration Platform
Design payment flows that connect to multiple payment providers and maximize customer conversions using ACI Worldwide’s payments orchestration platform
A true payments orchestration platform with sophisticated real-time fraud prevention capabilities, advanced business intelligence tools and access to an extensive global network of acquirers and alternative payment methods
Dedicated support from a global team of experienced fraud and risk analysts, working closely with merchants to develop and manage tailored, real-time risk strategies
CustomersPartners
Omni-channel data protection
Added compliance
Customer efficiency
