💠Card Tokenization

🔐 Overview

A55's card tokenization enhances security and improves authorization performance by converting raw card data into a secure token on the first successful transaction — with no changes required to your integration.

Once enabled at the account level, the platform:

Accepts raw card data normally on first use
Securely tokenizes and stores the card after a successful charge
Transparently uses the token for all subsequent charges
Maintains secure card lifecycle handling (expiry / reissue continuity)

No new endpoints • No SDK updates • No payload changes — just enable and benefit

🔍 How It Works

Stage	Platform Behavior
First card use	Card data is processed and tokenized in-line
Secure vaulting	Token is generated and securely mapped to the card
Future payments	Token replaces raw card data automatically
Integration impact	Zero — same requests, no new flows needed

After the first successful use, the card never needs to be provided again.

🔄 Credit Card Transaction Flow with Tokenization

sequenceDiagram
    participant Buyer as 🧑 Buyer
    participant Merchant as 🛒 Merchant Platform
    participant A55API as 🧩 a55 API
    participant AF as 🛡️ Antifraud Engine
    participant ThreeDS as 🔐 3DS Server
    participant Token as 💠 Tokenization Engine
    participant Acquirer as 🏦 Acquirer / Provider

    Buyer->>Merchant: 1. Selects credit card as payment method
    Merchant->>A55API: 2. Sends transaction request (card + payer data)
    A55API->>AF: 3. Triggers antifraud analysis
    AF-->>A55API: Risk decision (approve / reject / review)
    A55API->>ThreeDS: 4. Initiates 3DS authentication (if enabled)
    ThreeDS-->>A55API: 5. 3DS result (frictionless / challenge / success / fail)

    A55API->>Token: 6. Tokenizes card on first successful use (if enabled)
    Token-->>A55API: Token stored & mapped securely

    A55API->>Acquirer: 7. Sends transaction for authorization (using token if available)
    Acquirer-->>A55API: 8. Returns authorization status
    A55API-->>Merchant: 9. Returns final result

🎯 Why It Matters

Modern payment infrastructure relies on automatic card tokenization to enable:

✅ Reduced PCI exposure — token replaces sensitive data
✅ Seamless recurring & subscription flows
✅ Higher authorization success & retry performance
✅ Automatic lifecycle continuity (expiry / reissued cards)
✅ Zero engineering overhead

This brings your payment flow up to enterprise orchestration standards.

⚙️ Activation

Automatic tokenization is configured at the account level.

Please contact [email protected] to request activation.

Once active, the feature applies to all eligible transactions for that account — no additional setup required.

💡 Best Practices

Scenario	Recommendation
Recurring billing / subscriptions	Enable auto‑tokenization; charge normally
Retry & recovery flows	Allow token reuse for best success rates
User‑initiated repeat payments	Token prevents friction
Security & compliance	Avoid storing raw PAN entirely

🧠 Behavior Notes

Tokenization occurs on first successful transaction
Token is used automatically on all future charges
If a card token and raw card data are both sent → token takes priority
Fully compatible with 3DS, fraud scoring, and routing logic

Automatic tokenization never interferes with existing security or orchestration rules.

✅ Summary

Automatic card tokenization gives you:

Secure card handling without touching vault logic
Frictionless recurring and retry flows
Higher card approval stability
PCI scope reduction

Enable once — the platform manages card lifecycle from there.

Secure. Seamless. Zero‑change integration.