Tokenization
At Gr4vy, we go beyond basic storage by offering a comprehensive vaulting solution that supports card, network, and APM tokens, giving you full control over how and where credentials are used. Whether you’re looking to optimize performance, reduce fraud, or increase authorization rates, Gr4vy’s tokenization capabilities are built to future-proof your payments and power growth at scale.
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Gr4vy Tokens
Secure, portable and built for orchestration
Gr4vy generates its own secure tokens that are fully interoperable across your payment stack. These tokens can be used to route transactions through any PSP, enable one-click payments, or support custom workflows via Gr4vy’s orchestration layer. With Gr4vy tokens, enterprise merchants gain the flexibility to scale and switch providers, without ever losing access to your customers’ stored credentials.
APM Tokenization
Tokenize more than cards
Gr4vy extends tokenization beyond cards to support APMs like wallets, bank mandates, and localized payment methods. By wrapping gateway-issued tokens into our vault, you can orchestrate and reuse non-card payment methods with the same flexibility and control, driving adoption and improving the checkout experience across all markets.
PSP Tokens
Leverage existing tokens, on your terms
Pass-through PSP tokens, that allows you to work with your existing provider setup while gradually migrating data into our secure vault. This enables seamless transitions between providers, unlocks orchestration opportunities, and gives you freedom from vendor lock-in, all while continuing to use tokens issued by your PSPs.
Network Tokens
Safer and built to convert
Gr4vy supports full integration with card network tokenization, providing a secure and intelligent alternative to storing raw PANs. Network tokens automatically update with card changes, increasing authorization rates, especially for recurring and subscription payments. They also reduce fraud and lower processing costs, while adding a layer of cryptographic protection that binds tokens to specific merchants and transactions. Book a demo >
Token Decision Engine
Automated logic for smarter token choices
Gr4vy’s provisioning Token Decision Engine helps you determine the best token type to create, whether it’s a PSP token, a Gr4vy token, or a network token, based on your logic and performance goals. It ensures that every token issued aligns with your business rules, routing strategies, and long-term payment optimization efforts.
Optimize Every Token
Ready to take control of your tokens?
PAYMENT ORCHESTRATION
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tokenization
FAQ
What is payment tokenization and how does it work?
Payment tokenization replaces sensitive card or bank details with a unique token that can be safely stored and reused for future transactions. Instead of keeping raw card numbers, the system generates tokens that hold no exploitable value if intercepted. These tokens can be routed through any payment service provider (PSP), enabling secure one-click payments, faster checkout, and reduced PCI compliance burden for merchants.
What is the difference between network tokens and PSP tokens?
Network tokens are issued directly by card networks like Visa or Mastercard and stay valid across multiple acquirers, making them highly portable and reliable for recurring or subscription payments. PSP tokens, on the other hand, are specific to a single provider and often lock businesses into that PSP. Using a vaulting solution that supports both types of tokens gives businesses the flexibility to optimize routing, improve approval rates, and avoid vendor lock-in.
How does tokenization support alternative payment methods (APMs)?
Tokenization isn’t limited to credit and debit cards. It can also be applied to digital wallets, bank mandates, and localized payment methods. By tokenizing APMs, businesses can provide customers with secure, reusable payment credentials, while still benefiting from features like dynamic routing and automated workflows. This expands the reach of tokenization beyond cards, making it relevant for global ecommerce.
How does vaulting and token choice optimization improve security and conversion?
A secure vault stores all tokens in a PCI-compliant environment, keeping customer data protected while ensuring it remains accessible for future payments. Automated logic can determine whether to use a PSP token, network token, or APM token depending on the transaction, balancing cost, security, and performance. This ensures higher approval rates, reduces failed transactions, and provides customers with a frictionless checkout experience.