Tokenization That Puts You in Control of Cardholder Data Security

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.

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Omni-Channel Data Protection
Tokens cannot be converted back to card numbers

Added Compliance
Support PCI compliance through a highly secure token vault

Customer Efficiency
Create improved omnichannel customer experiences

Provide Seamless Omni-Channel Data Security

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 omnichannel experience your customers demand

Offer secure “buy online, pick up in-store” and subscription services

Simplify and speed up the returns process

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Gain Control, Flexibility and Independence

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

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.

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