Token Billing & Credit Card Data Management

Increase your security and reduce your PCI DSS compliance costs

When a credit card is stored with Flo2Cash, the Flo2Cash System returns a Token ID, which is made up of random numbers. The token ID, combined with unique user credential, can initiate payments on the corresponding stored credit card. By transforming a piece of credit card data into a series of random digits, the need for merchants to store card data on their premises can be taken out, therefore, eliminating large portions of PCI-DSS compliance issues. Merchants, however, can still use the token ID to retrieve the card data, with most digits of the card masked (displaying only the first 6 and last 4 digits). This is useful when you would like to display the card details to the user for confirmation without having to display all numbers.

Benefits

Increased Security

Removes the need for you to store credit card data.

Reduced Compliance

Reduces your level of PCI DSS compliance and associated costs.

Increased Convenience

Removes the need to ask repeat customers for their credit card details.

Easy Creation

Credit card Token IDs can be created on:

Web2Pay hosted payment page
Web2Pay 2-party web service
Merchant Portal

Token Billing

Credit card Token IDs can be used to make a transaction on:

Web2Pay 2-Party web service
Merchant Portal – Virtual Terminal
Merchant Portal – Batch2Pay
Phone2Pay

Token Management

All Token IDs created can also be managed on the Merchant Portal. Flo2Cash also supports various batching features to help merchants migrate existing card data into the Token billing system.

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