Secure Card Payments At Scale with Phi’s Tokenization

Enterprise-grade tokenization built for compliance, scale, and seamless customer experience

Enable Payments Today

Trusted by Industry Leaders

Why Tokenization Is Critical Now

RBI guidelines prohibit businesses and payment aggregators from storing individual customer card details; sensitive data may only be retained by networks or issuing banks.

For Customers

Faster, safer checkouts without re-entering card details.

For Enterprises

Compliance with RBI and PCI mandates, lower fraud risk, and improved trust at scale.

How Tokenization Works

Replace

Sensitive card data (number, expiry) is substituted with a secure, cryptographic token.

Transact

The token is used in place of the card for all future payments, without exposing the original details.

Scale

Tokens work seamlessly across issuers, gateways, and networks, enabling frictionless payments enterprise-wide.

Enterprise-Ready Advantages

Built specifically for high-volume enterprises, Phi’s Tokenization goes beyond compliance to deliver scale and reliability.

Interoperable by Design: Works across multiple acquirers, issuers, and card networks.

Certified & Compliant: Recognized token requestor for credit, debit, prepaid, and corporate cards.

No Merchant Effort: Tokens auto-enable in standard checkout flows.

Enterprise APIs: Integrate easily, scale instantly.

Faster Repeat Payments: Enable one-click checkout with saved tokens + CVV.

Secure by Default: PCI-DSS certified with advanced fraud controls.

Why Enterprises Choose Phi

Scale with Confidence

Millions of tokenized transactions processed across 40+ banks and all major networks (Visa, Mastercard, Amex, RuPay).

Boost Conversions

Reduce checkout drop-offs with instant repeat payments.

Simplify Compliance

Stay ahead of RBI and PCI mandates without adding operational burden.

Enhance CX

Deliver frictionless, trust-driven payment journeys that keep customers loyal.

Monthly Transactions

Can we please process X million tokenized transactions monthly.

Industries We Power

E-commerce & Marketplaces

Faster repeat purchases, secure one-click checkout.

NBFCs & Insurance

Reliable tokenization for EMIs and recurring premiums.

Education

Safe, recurring tuition fee collections.

Utilities & Subscriptions

Smooth recurring billing with compliance built-in.

Travel & Hospitality

One-click repeat bookings with stored card tokens.

Secure Every Card. Simplify Every Checkout.

With Phi Token Vault, enterprises gain compliant, frictionless, and future-ready card payments.