TSP for Issuers (I-TSP)
CUB3PAY Issuer Token Service Provider (Issuer TSP) is a crucial entity in the payment tokenization ecosystem, serving as an intermediary between card issuers and token service providers (TSPs) like Visa Token Service or Mastercard Digital Enablement Service. CUB3PAY Issuer TSP plays a vital role in enabling card issuers to participate in tokenization processes efficiently and securely.
Tokenization is the process of replacing sensitive payment card data, such as the primary account number (PAN), with a unique digital identifier called a token. This token can be used for payment transactions without exposing the actual card details, enhancing security and reducing the risk of fraud.
The primary functions of CUB3PAY Issuer TSP includes:
1. Token Request Handling: CUB3PAY Issuer TSP receives and processes token requests from various token requestors, such as digital wallets or merchants.
2. Issuer Integration: provide a simplified integration point for issuers, reducing the complexity of connecting directly with multiple token service providers.
3. Token Lifecycle Management: CUB3PAY Issuer TSP manages the entire lifecycle of tokens, including generation, activation, suspension, resumption, and deletion.
4. Security and Compliance: ensure that tokenization processes adhere to industry standards and regulations, such as PCI DSS and EMV specifications.
5. Token Vault Management: CUB3PAY Issuer TSP maintains secure token vaults that store the mapping between tokens and the original PANs.
6. API Management: provide APIs for issuers to interact with the tokenization ecosystem, including functions like eligibility checks, provisioning approvals, and cardholder verification.
7. Detokenization: When necessary, CUB3PAY Issuer TSP can convert tokens back to the original PANs for transaction processing.
8. Reporting and Analytics: offer insights into token usage, helping issuers monitor and optimize their tokenization strategies.
By leveraging CUB3PAY Issuer TSP, card issuers can more easily implement tokenization across various use cases, including mobile payments, in-app purchases, and card-on-file transactions. This enables issuers to enhance the security of their payment cards while supporting innovative payment methods and improving the overall customer experience.
CUB3PAY issuer TSP is integrated to the broader tokenization ecosystem, working alongside token requestors, payment networks, and card issuers to create a more secure and flexible payment infrastructure. As digital payments continue to evolve, the role of CUB3PAY Issuer TSP in facilitating secure, tokenized transactions becomes increasingly important in the global payments landscape.
CUB3PAY I-TSP supports SRC Click to Pay
SRC Click to Pay offers a seamless, secure, and fast way to shop online. With no need to enter your card details repeatedly, this innovative payment solution simplifies the checkout process, saving time and effort. Built with the highest standards of security through tokenization, it ensures that your sensitive information remains protected and never shared with merchants. Supported by major global payment networks like Visa, Mastercard, American Express, and Discover, Click to Pay works across devices and browsers, delivering a consistent and reliable shopping experience. By securely storing your payment information, it eliminates the hassle of remembering passwords or filling out lengthy forms, making online purchases as easy as a single click. With SRC Click to Pay, your shopping becomes smarter, faster, and safer—truly the future of digital payments.
Our solution is part of VISA partner program
CUB3PAY I-TSP (+mobile SDK) supports OEM Pay Push Provisionning
OEM Pay Push Provisioning is an advanced feature that allows users to add their payment cards directly into digital wallets like Apple Pay, Google Pay, or Samsung Pay from a banking app. This seamless integration simplifies the card enrollment process, ensuring that users can securely tokenize their cards with just a few taps. By leveraging secure APIs and adhering to global tokenization standards from networks like Visa and Mastercard, the feature ensures that sensitive card details are replaced with tokens, protecting the user’s data during transactions. Push provisioning eliminates the need to manually input card details, reducing errors and enhancing the user experience. It also enables faster access to NFC-enabled payments, allowing customers to use their tokenized cards for Tap & Pay immediately after provisioning. Banks benefit from improved customer engagement while delivering a secure and streamlined digital payment solution. This capability is a cornerstone of modern banking apps, bridging the gap between convenience and cutting-edge security for digital transactions.
CUB3PAY I-TSP (+mobile SDK) supports card detail visualization on mobile
Tokenization secures card details by replacing sensitive information, such as the Primary Account Number (PAN) and CVV, with a unique token that has no exploitable value outside the intended transaction environment. When displayed on a smartphone screen, the token ensures that actual card details are never visible, even to the user, safeguarding against unauthorized access or theft. This process adheres to global standards like those set by EMVCo, ensuring that only the token, not the original card data, is used during transactions. The real card details are stored securely in a token vault managed by the token service provider and are never directly shared with merchants or displayed on devices. If the token or device is compromised, it cannot be reverse-engineered to reveal the actual card information. This approach dramatically reduces the risk of fraud and enhances user confidence in digital payments. Tokenization transforms smartphones into secure payment tools without exposing sensitive financial data.
SEO keywords: Payment tokenization, Digital wallet security, Token Service Provider (TSP), Card-on-file tokenization, EMV tokenization, Secure payment processing, PCI DSS compliance, Contactless payment security, Token vault management, Issuer tokenization solutions
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