Token Management Service
The
Token Management Service
(TMS
) enables you to replace personally
identifiable information (PII), such as the primary account numbers (PANs), with
unique tokens. These tokens do not include the PII data, but act as a placeholder
for the personal information that would otherwise need to be shared. By using
tokens, businesses can provide a secure payment experience, reduce the risk of
fraud, and comply with industry consumer security regulations such as PCI-DSS.TMS
links tokens across service providers, payment types, and channels
for sellers, acquirers, and technology partners. TMS
tokenizes, securely stores, and manages the primary account number (PAN), the
payment card expiration date, electronic check
details,
and customer data. TMS
also enables you
to create a network token of a customer's payment card.IMPORTANT
Due to mandates from the Reserve
Bank of India, Indian merchants cannot store PANs. Use network tokenization instead.
You can manage sensitive data securely by
creating, retrieving, updating, and deleting tokens through the TMS API.
TMS
simplifies your PCI DSS compliance. TMS
passes tokens
back to you that represent this data. You then store these tokens in your
environment and databases instead of storing customer payment
details.TMS
protects sensitive payment information through tokenization and
secures and manages customer data using these token types:- Customer tokens
- Instrument identifier tokens
- Payment instrument tokens
- Shipping address tokens
TMS
tokens can be used individually, or they can
be associated with one customer token:Related Information
- See thefor more information about theToken Management ServiceDeveloper GuideTMS.
- See Token Management Service Processing for information that shows you how to process payments using theTMS.