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Stored Payment Tokens
Enabling the secure shift to digital payments
Ensure customer payment information is protected and supported in an evolving digital payments ecosystem with Discover® Stored Payment Tokens.
Ensure customer payment information is protected and supported in an evolving digital payments ecosystem with Discover® Stored Payment Tokens.
Stored Payment Tokens explained
Stored Payment Tokens exchange a customer's stored primary account numbers (PAN) with merchant-specific payment tokens. Because the token is used instead of the PAN, Stored Payment Tokens prevent unauthorized transactions and provide a secure digital payment experience to customers.
Stored Payment Tokens key features
Account updates
In cases of lost, stolen, or reissued cards, card details are automatically updated, making card usage effortless.
Token management
At the issuer’s request or in cases of fraud, Stored Payment Tokens can be unlinked from PANs at any time.
Enhanced security
The PAN is detokenized at Discover network level and DDX performs detokenization only after validating a cryptogram.
Domain restriction control (DRC)
Rules can be set to limit the usage of Stored Payment Tokens to specific channel, Merchant, or other attributes.
Stored Payment Tokens enable the secure shift to digital payments
Enhances security
Merchant and Payment Service providers can hold Stored Payment Tokens instead of sensitive account information, enhancing security and eliminating aspects of compliance standards.
Improves customer experience
Stored Payment Tokens are automatically updated if a card is lost, stolen or reissued, reducing payment breakage events and allowing customers to keep shopping seamlessly.
Provides token interoperability
Domain restriction controls can specify the usages of Stored Payment Tokens on specific channels or stores’ payment entry modes. Stored Payment Tokens used during transaction flow can also be integrated into digital payment schemes.
Ways to enable Stored Payment Tokens
Find the right partner
Get the solution capabilities you need to expand your reach.
Simplify stored payment tokens services with Discover® Digital Exchange (DDX)
For issuers, provisioning and managing tokens in an evolving environment can be complex, especially across a range of digital wallets, apps, and e-commerce websites. Discover Digital Exchange offers issuers a single connection to digital payment security and multiple wallets.
More convenience with advanced mobile technology
One-click checkout
Provide greater shopping convenience. Secure Remote Commerce enables a simple, streamlined and secure online checkout option.
Tap & pay
Enable payments via Apple Pay®, Google Pay™, Samsung Pay®, Garmin Pay™* or issuers can add their cards to digital wallets and more.
* Mobile wallet acceptance varies by market.
For US only: Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.
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