Empowering Banks with Secure and Independent Token Management

Enhance security, reduce network dependency and ensure regulatory compliance with a scalable tokenization solution

Comprehensive Tokenization for Issuers

Independent Token Issuance

Generate and manage tokens for ‘on-us’ transactions without relying solely on networks

Token Lifecycle Management

Simplify token creation, updates and deactivation with robust lifecycle tools

Omnichannel
Support

Enable tokenized transactions across online, in-app and contactless channels

Regulatory
Compliance

Fully adherent to RBI mandates, PCI DSS, SSF and other local guidelines

Device and
CoF Tokenization

Securely support tokens for device-based payments (e.g., mobile wallets) and card-on-file (CoF) use cases

Seamless
Integration

API-first design allows for easy integration with existing bank systems and third-party payment gateways

Why Choose Phi Commerce's Issuer Tokenization Solution?

Enhanced
Security

Replace card data with tokens to reduce fraud and protect customer information

Regulatory Alignment

Meet tokenization guidelines while ensuring global standards compliance

Operational Independence

Reduce reliance on external tokenization providers, giving banks greater control

Cost
Savings

Lower costs associated with network dependency and PCI compliance

Improved Customer Experience

Deliver seamless and secure payment experiences across digital channels

Innovative Payment Options

Enable tap-and-go, QR payments, and mobile wallet integration with secure tokens

Empowering Issuers with Secure Tokenization

Process On-Us Transactions

Process 'on-us' transactions without routing through networks

Mobile Wallets

Enable tokenized payments for contactless and in-app transactions via NFC and mobile wallets

Recurring Payments

Securely support card-on-file (CoF) transactions for subscriptions and recurring payments

Merchant Tokenization

Facilitate tokenized transactions for affiliated merchants, reducing risks in e-commerce

Contactless Payments

Support tokenized Tap-and-Go payments with EMV-compliant card systems

Your Tokenization Partner

Proven Expertise

Trusted by banks and financial institutions to deliver secure, scalable tokenization solutions

Regulatory Focus

Fully compliant with global standards for secure tokenization

Customizable Solutions

Tailored workflows for lifecycle management, token issuance and integration

Scalable and Reliable

Built for high transaction volumes, ensuring uninterrupted services

End-to-End Support

From deployment to ongoing optimization, receive support at every step

Empower your Bank with Tokenization

Partner with Phi Commerce for independent token issuance and management, enabling secure, scalable and compliant transactions

Frequently Asked Questions

What is Issuer Tokenization?

Issuer Tokenization enables banks to independently issue and manage tokens for card transactions, enhancing security and reducing network dependency.

How does it align with RBI guidelines?

The platform is fully compliant with RBI tokenization mandates, ensuring secure and lawful tokenized payment processing in India.

Does it support card-on-file (CoF) tokenization?

Absolutely! It securely manages CoF tokens for recurring payments and e-commerce transactions.

Is it compatible with mobile wallets?

Yes, it integrates seamlessly with mobile wallets, enabling tokenized NFC and in-app payments.

What payment modes does it support?

The solution supports tokenized payments across cards, contactless NFC, QR and in-app channels.

How does it ensure security?

Tokens replace sensitive card data, reducing fraud risks, while AI-driven fraud detection and encryption provide additional layers of protection.