BillDesk Tokenisation Suite (BTS)
Saved card experience with enhanced security
- BTS enables Card-on-File Tokenisation (CoFT) to offer customers easy checkout by saving cards securely for future transactions
- To save card details, customers need to provide consent for the creation of a unique token for each card at the Merchant website or App
- With customer consent and an Additional Factor of Authentication (AFA), a token is provisioned through a Token Requestor (TR)
- The token is a randomised code provisioned by a Token Service Provider (TSP), which can be a card network or a card issuing bank.
- For greater control to the cardholder, the Merchant and the card issuing bank need to provide access to deactivate the tokens created by them
BillDesk tokenisation solutions make your journey for saved card feature simple and scalable.
Token Requestor Solutions
Compliant solutions to save card details using Card-on-File Tokenisation guidelines.
Designed for flexibility and ease of integration.
Greater Convenience
Customers have the flexibility to save card details for easier checkout and the visibility of tokens generated.
Increase Success Rate
Experience higher approval rate leading to revenue growth and customer delight.
Multi-card Checkout
Deliver a unique checkout experience with the facility to save multiple cards by the customer.
Flexibility for Scale
Decoupled provisioning and processing to provide maximum support in token creation across all networks.
Faster Deployment
Single-connect across networks saves development time, TSP compliance and certification.
Higher Security
Superior security and fraud prevention with card details replaced by tokens.
Token Processing Solutions
Seamless transaction processing using tokens generated across networks and Token Requestors.
Enterprise grade, high reliability platform for card processing.
Onboarding and Support
Assisted onboarding with dedicated Account Manager. 24/7 Merchant support team.
Integrated Processing
Flexibility with standalone APIs to create tokens and process transactions independently. Unified SDK option for faster integration.
Enable On-demand and Recurring Payments
Single connectivity for over 150 payment methods.
Unified processing for Cards, Net-banking, UPI, Wallets, Affordability.
Smart Routing
Token based transaction lookup and routing to networks along with the cryptogram for secure processing.
Superior Customer Experience
Deep integration with banks and networks offering high success rate and lower transaction drop outs.
Dashboard and Alerts
With real-time transaction reports, device and payment method level analytics.
Webhook notifications with issuer and acquirer applications.
Tokenisation FAQs
1. What is Tokenisation?
Tokenisation is the process of creating a randomised value called token and using it instead of the 16-digit card number for transactions. This token is unique for a token requestor and a card number.
2. What are the benefits of Tokenisation?
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3. How can a card be tokenised?
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4. Is Tokenisation applicable for International cards?
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5. Does tokenisation affect the transactions done at a POS or a Merchant outlet?
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6. Is it mandatory for a customer to tokenise her/ his card?
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7. Is there a limit on the number of times a card can be tokenised?
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8. Will card tokenisation need to be completed at every Merchant platform separately?
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9. Can a bank (Issuer) decline a tokenisation request on a card?
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10. What are the different integration models of Card-on-File Tokenisation solutions that BillDesk offers to Merchants?
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