Introduction to the

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.

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

These

TMS

tokens can be used individually, or they can be associated with one customer token:

Figure: