Generate & map
Create tokens and link each one securely to its card
SolutionsTokenization Engine
محرك الترميز
Replace card numbers with tokens.
A token service platform for banks, switches and wallets. Card data stays in an HSM-backed vault, and every token is managed from creation to expiry.
What it does
One engine, end to end.
Protect
Card numbers encrypted in one HSM-backed vault
Control
Limit each token to a device, merchant or channel
Manage
Activate, suspend, resume, delete and renew
Route
Real-time provisioning and authorization flows
Prove
Every event logged, auditable and regulator-ready
How it works
From wallet request to approved payment.
- 1RequestThe customer adds a card; the wallet asks for a token
- 2SchemeThe card scheme's token service forwards it
- 3CheckRequestor and domain checked, routed to the issuer
- 4IssuerAccount verified and risk assessed
- 5Token issuedToken created, bound to the device and activated
Token lifecycle
Full control, from first use to renewal.
Every token's status stays in sync with your issuer systems, with a complete audit trail.
- Lost phone? Suspend the token, not the card
- Delete when a card closes or a wallet is removed
- Renew tokens before the card expires
- Re-tokenize a new card with the same experience
Requestors & domains
Every token works only where it should.
Wallets, merchants and apps are onboarded and limited to the uses you approve.
- Requestors onboarded with keys, tests and sign-off
- Limits by channel, merchant, amount, country or type
- Device and merchant binding
- Out-of-domain use declined and alerted
Keys & security
Bank-grade protection, by design.
Card data never leaves the secure zone, and keys are managed under dual control.
- HSM cluster, FIPS 140-2 Level 3
- Key lifecycle, rotation and dual control
- REST, ISO 8583 and ISO 20022 interfaces
- Full audit trail with SIEM integration
Use cases
One vault, many ways to grow.
Issuer tokenization
Bank wallet provisioning for debit, credit and prepaid cards
Card-on-file
One-click checkout for e-commerce merchants
Recurring payments
Merchant-initiated charges for subscriptions
Third-party wallets
Scheme token rails and lifecycle sync, subject to scheme approval
Digital card issuance
Token-first cards, ready for wallets from day one
Multi-bank programmes
One central vault for many institutions
Screens are illustrative mock-ups with sample data.
Ready to launch Tokenization Engine?
Book a demo and a solution architect will walk you through it on your own use case.
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