At TokenEx, we understand how important it is for our customers to have the freedom and flexibility to work with any third-party integration. Each organization has unique needs that change, therefore it’s essential to work with a reputable tokenization provider that can help meet those requirements. This article will shed some light on which third-party integrations TokenEx supports and how we may be a good fit for your business.
Which Third-Party Integrations Does TokenEx Support?
Secure Data Collection
TokenEx offers numerous solutions for gathering and tokenizing sensitive data. Based on your use case, you can choose from various services to ensure secure and compliant omnichannel acceptance. Indeed, this flexibility is crucial for businesses to support different payment methods for their customers.
Token Services API
With our Token Services API, businesses can redirect sensitive data to our cloud-based Data Protection platform, where it can be tokenized and securely stored outside of their internal environment. This API helps offload the risk and compliance burden of storing sensitive data internally, enabling clients to focus on and maintain critical business operations.
The TokenEx hosted iFrame is a scope-reduction tool designed to tokenize data directly from a merchant’s checkout page or web payment form, which helps protect it at the point of acceptance. In turn, the iFrame helps prevent sensitive data from entering downstream systems while also maintaining the look and feel of an ecommerce website.
Since security is a top priority, the TokenEx iFrame solution uses a server-generated authentication key, the HTML5 postMessage() method, and encrypted API calls for secure cross-domain communication. Additionally, the iFrame JS library seamlessly integrates the iFrame into the user experience by enabling input validation, custom data types, and much more.
Browser-based encryption is a perfect tokenization solution for any business that needs complete control of customer transactions and to tokenize personal and payment data entered onto their website. This solution uses a TokenEx-generated RSA public encryption key to provide an additional protection layer for data before being tokenized. As a result, this ensures sensitive data is secured at the browser level and is never received in its unprotected state by any part of the downstream systems.
By 2024, it’s predicted there will be 184 billion mobile apps downloaded. Indeed, businesses that offer mobile applications to their customers provide flexibility regarding how they view and purchase products and services. However, mobile apps introduce the risk of handling sensitive data through a different channel. To address this risk, the TokenEx Data Protection platform uses numerous techniques to secure this data, including a Mobile API enabling native mobile apps to integrate with our tokenization services.
Specifically, the Mobile API allows companies to gather sensitive data from their customers’ iOS or Android devices, where it is sent directly to TokenEx to be tokenized and stored. This process saves application development time and simplifies the cost and complexity of regulatory compliance. Indeed, TokenEx can help reduce the risk and potential impact of a breach by removing sensitive data from an organization’s internal mobile payment systems.
Batch processing allows businesses to send large files containing multiples sets of sensitive data to TokenEx, where it will be tokenized. Batch tokenization is an effective solution for transferring data without storing the data in its sensitive form.
As batch payments are processed, TokenEx receives the batch files via SFTP (SSH File Transfer Protocol), replaces the tokens with the original data, encrypts the file with the payment processor or third-party’s public key, and sends the data to the receiver. On the way back, the processor or third-party integration encrypts the settlement files with the TokenEx public key and transfers the key to TokenEx to be retokenized. Thus, this helps prevent sensitive data from re-entering a company’s internal environment.
For businesses that use contact centers, collecting sensitive data via phone (e.g., VoIP and POTS) can complicate PCI compliance by exposing desktop agents and their stations to cardholder data. One way to reduce sensitive data exposure in the call center is by leveraging the TokenEx platform. If a telephony data collection system is used, such as IVR or DTMF, the TokenEx API can tokenize sensitive data gathered via those channels.
Another option is to use the iFrame solution to tokenize or detokenize data in a web application, or if P2PE devices are used for data entry, the TokenEx P2PE services API can tokenize primary account numbers (PANs). Thus, companies can prevent sensitive cardholder data from traveling outside their contact centers, removing downstream systems from scope.
Transparent Gateway API 2.0
Transparent Gateway API 2.0 (TGAPI 2.0) enables customers to set up unique endpoints that accept and cleanse data before it reaches their internal environment. Indeed, TGAPI 2.0 offers a virtually limitless expansion of third-party acceptance channels without increases to risk or compliance scope. Customers that use this API can work with any combination of processors or gateways and securely interact with any third-party API, which provides the freedom and flexibility to meet business objectives and scale.
By handling inbound requests, this API decreases the surface area companies must secure to protect incoming sensitive data. In turn, this establishes a more manageable risk footprint, reduces cost and complexity, and facilitates a unified approach across inbound data sources. Furthermore, our API can accommodate any message format, such as REST/JSON, SOAP/XML, and formURLencoding.
Secure Data Transmission
TokenEx offers flexible, customizable solutions for transferring sensitive data to third-party integrations, such as payment service providers and partners.
Payment Services API 2.0
It can be costly, complex, and labor-intensive for those who work with PSPs to build, maintain, and certify integrations with PSPs. Luckily, businesses can streamline this process by implementing the TokenEx Payment Services 2.0 API.
To use this service, customers simply code to our API where we can then connect them to any desired PSP combination to process transactions. Indeed, Payment Services API 2.0 provides a maintenance-free, single point of integration, enabling rapid speed-to-market, international expansion, increased conversion rates, and much more. Our current integrations include:
Other Supported Third-Party Integrations
Aside from the native services offered within the TokenEx platform, our customers also have access to useful third-party integrations.
Account Updater is software that automatically updates credit card information on file with a business’ payment vault. Specifically, cardholder data is updated as needed by sending TokenEx a batch file containing card details and the corresponding tokens. Then, TokenEx works with the relevant card brands to refresh outdated card data and update the new information within its systems and the business.
Additionally, this service enables our clients to refresh stored cardholder data to maintain accurate payment details for customers. This process results in fewer declines, improved customer satisfaction and business retention, and fewer overall costs. There are also no setup fees, and the onboarding process is simple, making it an ideal option for businesses of all sizes.
3-D Secure (3DS) is a three-step process for authentication that verifies an individual’s identity before authorizing online credit or debit card transactions. 3DS provides an additional layer of protection for card-not-present transactions. Whether organizations are subject to Payment Services Directive 2 or need a more secure checkout experience, 3-D Secure can be a helpful solution to maintain strong customer authentication. For example, businesses can implement multifactor authentication into their virtual checkout process. By implementing this service, companies can reduce false declines and boost payment authorizations while reducing their PCI scope and maintaining their ability to work with any payment service provider. They can also shift the liability for chargebacks to the issuer if a fraudulent transaction passes a 3DS challenge.
Further, the TokenEx open API platform offers the freedom to use our tokens and services with any third party. Indeed, this means customers aren’t limited to using our 3DS with a single payment processor or provider. This freedom coupled with our unmatched PCI scope reduction means businesses can have peace of mind that they will never have to handle raw cardholder data or be restricted to a single processor.
Network tokenization is a type of payment card tokenization offered by payment networks, such as Visa and Mastercard. This process involves replacing sensitive cardholder data like primary account numbers (PANs) with a nonsensitive token issued by a card brand. A key benefit is that network tokens help maintain a more secure and efficient payment ecosystem as merchants, and third-party providers do not have to expose themselves to the risk of handing raw PAN and other cardholder data at any point during the credit card life cycle.
Since credit card theft and fraudulent transactions continue to be prevalent, network tokens are an effective solution to help reduce risk and improve the customer checkout experience throughout the payment process. TokenEx can offer clients network tokens for participating card issuers, which does not require additional work for clients and can help boost revenue for merchants.
Kount Fraud Prevention
If you need to combat card fraud, consider using the TokenEx preferred fraud-prevention partner, Kount. Kount is an Equifax company offering both platforms a layered security solution to protect payments from fraud. Indeed, Kount’s Fraud Management Tools analyze customer spending and behavioral patterns to determine fraudulent transactions and prevent false declines, chargebacks, and theft.
To take advantage of Kount’s Identity Trust Global Network, clients must submit Kount’s proprietary token (KHASH) as part of the Risk Inquiry Service. Since generating this token requires access to the raw PAN, this can introduce or reintroduce PCI scope. By partnering with TokenEx and Kount, clients can use the TokenEx iFrame to capture the PAN and produce a TokenEx token and Kount KHASH while also staying outside of PCI scope. Indeed, the card information (KHASH) is beneficial for preventing card-not-present fraud as TokenEx reduces PCI risk and Kount stops fraud.
Contact TokenEx Today
We hope you found this article helpful regarding which third-party integrations TokenEx supports. Our cloud tokenization platform is expertly built to collect, store, and transmit sensitive data from PANs to bank account numbers. The TokenEx Data Protection platform helps businesses offload the risk of storing data on their internal environment and provides a single point of integration for third-party partners. Indeed, this platform allows customers to safely and compliantly accept, store, and send sensitive data while maintaining critical business operations and preserving the necessary flexibility to control their data and scale their businesses.
Need a reputable tokenization provider to help your business grow?