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.