Summary by Katherine Scheibert 10/06/2025, Original Article by Fiserv posted 02/03/2025
As independent software vendors (ISVs) face increasing pressure to integrate payments, security is just as critical as convenience. Tokenization is the answer — protecting consumers while streamlining business operations.
What is Tokenization?
Tokenization replaces sensitive cardholder details, like account numbers, with a unique, non-sensitive token. These tokens look similar to card data (showing card type and last four digits) but hold no real value. Even if intercepted, they can’t be used for fraud.
By keeping raw payment data out of business systems, tokenization enables secure card-on-file transactions, meeting consumer expectations for fast, repeat checkouts without the security risks.
How It Works
- Card-Present Transactions: With Fiserv’s CardSecure solution, encrypted readers instantly encrypt, tokenize, and store payment data securely — ensuring sensitive information never touches the merchant’s environment.
- Card-Not-Present Transactions: Through Fiserv’s Hosted iFrame Tokenizer, sensitive payment data entered online is securely captured, sent directly to Fiserv, and tokenized before it ever reaches the business system.
In both cases, tokenization simplifies PCI compliance and minimizes the impact of potential breaches.
Key Benefits for ISVs and Businesses
- Enhanced Security: Real card data stays protected by Fiserv’s secure vault.
- Simplified Compliance: Reduced PCI scope saves time, cost, and resources.
- Seamless Experience: Tokens support omnichannel transactions across online and in-person.
- Developer Friendly: Easy integration with minimal coding.
- Business Growth: Less focus on data security burdens, more focus on customer experience.
The Bottom Line
Tokenization isn’t just about security — it’s about building trust, enabling growth, and delivering seamless payment experiences. With Fiserv, ISVs and businesses gain a trusted partner that provides the technology, expertise, and protection needed to keep sensitive consumer data safe while unlocking new opportunities for innovation.
Interested in seeing how Fiserv can help your business save? Contact Savings4Members today for a free analysis of your credit card processing statements to identify potential savings and optimize your payment setup.
Disclaimer: This summary was created by Savings4Members for informational purposes. For the full original article from Fiserv, please visit: How Tokenization Enables ISVs to Deliver a Seamless, Secure, Integrated Payment Experience
