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Encryption & Tokenization

Help secure your business and customers with multiple layers of end-to-end protection.

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Face data security threats

Confident customer are more likely to repeat business. Help secure customer payment data with a multi-layered data protection strategy that includes encryption and omnichannel tokenization.

Help prevent data breach losses

40% of lost business is associated with a data breach1

Block criminals from targeting card data

20% of merchants failed to protect data in transit2

Build trust with your customers

Protect your brand and your customer data with PCI compliance3

Build customer confidence

87% of customers will not buy from a company if they have concerns about security practices4

Deploy omnichannel tokenization

35% of merchants failed on protecting stored cardholder data2

Minimize data loss risk

A breach can cost an average of $8M due to data loss5

Comprehensive data protection

Optimize payment security by using encryption and tokenization across omnichannel environments.

 

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encryption

Encryption

Uninterrupted protection as payment data moves across channels, networks, and partner environments.

tokenization

Tokenization

Replace sensitive payment data with omnichannel tokens which can be used across your environment.

EMV 3D-Secure Authentication

Enriching the data provided allows the issuer to make a more informed decision and increase authentication rates. This increased security provides a better overall checkout experience with less friction. Most importantly, this shifts chargeback liability away from the merchant.​

Safeguard your business and customers

Help reduce operational costs and stay ahead of regulatory and compliance mandates with the latest industry solutions. You can protect your revenue by removing sensitive customer data from your environment while also reducing PCI compliance scope.

Multi-layered Approach

Help protect data in transit and at rest with encryption and tokenization.

Omnichannel Tokenization

Leverage tokenization seamlessly across your environments.

PCI Compliance Support

Minimize the burden of remaining compliance with data privacy rules and regulations.

Leverage omnichannel tokens

Better engage with your customer, without storing sensitive data. Every customer has a unique token follows them across your diverse sales channels allowing you to better understand their behavior and drive more effective marketing and loyalty programs.

 

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1

Wearable smart watch


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2

GPS navigation


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3

Checkout page on smartphone


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4

eCommerce website on laptop


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Our sales team is available to answer any of your questions at a time that works best for you.
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Ideas and inspiration

Reduce PCI Scope with Omnichannel Tokens

Security & Fraud

Reduce PCI Scope with Omnichannel Tokens

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Understanding The Impact of PSD2

Security & Fraud

Understanding The Impact of PSD2

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What is PCI Compliance

Security & Fraud

What is PCI Compliance?

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Sources: 1) CSO, 2) Aite Group, 3) PCI site, 4) Mackinsey, 5) Ponemon Institute

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© 2023 Fiserv, Inc. Fiserv is a registered trademark of Fiserv, Inc. All trademarks referenced here are the property of the respective owners. First Data Merchant Services LLC is a registered ISO of Wells Fargo Bank, N.A, Concord, CA; Deutsche Bank G, New York, NY; BBVA USA, Birmingham, AL; MVB Bank, Fairmont, WV; and Pathward, N.A, Sioux Falls, SD. The solutions and offerings outlined under Carat may differ by jurisdiction. Please contact us to learn more about Carat solutions for your business.

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