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Benefits and Features

TMS
 enables your merchants to replace personally identifiable information (PII), such as the primary account numbers (PANs), with unique tokens. These tokens do not include the PII data, but act as a placeholder for the personal information that would otherwise need to be shared.

Benefits

TMS
 has several benefits for you, the acquirer, and your merchants:
  • Tokenization by
    TMS
     replaces sensitive payment data with non-sensitive tokens. This provides a secure payment experience, reduces the risk of fraud, and complies with industry consumer security regulations such as PCI-DSS.
  • Network tokens are automatically updated. This reduces the number of declines due to outdated payment credentials and improves both authorization rates and merchant conversion.

Features

TMS
 includes these features:
  • Protect sensitive payment information through tokenization and secure and manage customer data using these token types:
    • Customer tokens
    • Instrument identifier tokens
    • Payment instrument tokens
    • Shipping address tokens
  • Life-cycle management and notifications when the underlying card of a network token is re-issued. This includes cards that are lost, stolen, or expired. Life-cycle management for network tokens minimizes transaction decline rate and provides a frictionless checkout experience for customers.