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 omni-channel 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 omni-channel experience your customers demand
Offer secure “buy online, pick up in-store” and subscription services
Simplify and speed up the returns process
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
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.
Protection along the entire payments journey
End-to-End Protection
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
ACI Secure eCommerce
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
ACI Fraud Management for Merchants
Reduce chargebacks, fraud and false positives while increasing conversion with ACI’s machine-learning driven merchant fraud management
Tokenization
Protect your customer data and reduce PCI compliance obligations with single and multiuse tokens
Digital Identity Solutions
Real-time fraud prevention technology designed to increase conversion and block savvy fraudsters
Risk Analysts
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
Related Resources
Trends
Merchants
Top 5 Benefits of ACI’s Omni-Token Capabilities
Tokenization is a critical tool for securing sensitive payments data and improving the customer experience. ACI's omni-tokens provide ownership and control, seamless customer journies, enhanced customer profiling, and superior data security through the use of tokenization. Learn how ACI can deliver important additional omni-token benefits for merchants.
Resources
Merchants
Point-to-Point Encryption P2PE Guide
Everything you need to know about point-to-point encryption, including why only P2Pe solutions can be PCI validated
Resources
Merchants
An Executive’s Guide to Payment Tokens
Defeat more fraud and deliver an optimal omni-channel payments experience with merchant payment tokenization.
