Your payment card information, such as the 16-digit account number found on the front of your card, is replaced with a digital account number or token that can be securely stored on devices and used to make purchases. Your credit and debit card numbers are not stored on the device or on servers. This helps to reduce the potential for fraud.

The tokenization process is invisible to you and happens behind the scenes. It also helps to simplify checkout by eliminating the need to enter and re-enter your account number when buying items in mobile applications “in-app” or at the point-of-sale.