What happens to a card number after the tap
PayVault never stores or touches your customers' card data. Every payment is handled by PCI DSS Level 1 certified processing partners in four steps, from tap to deposit.
Four steps, from tap to deposit
This is the part merchants rarely see, and the part we are most particular about.
- 1
Tap, dip or swipe
Your customer pays by card, phone or watch at the terminal or online.
- 2
Encrypt
The card number is scrambled inside the device, before it travels anywhere.
- 3
Tokenize
Saved cards become meaningless tokens, so your systems never hold real card numbers.
- 4
Settle
Our PCI DSS Level 1 processing partners approve the payment and deposit it to your bank.
Protection you can explain to your team in a minute
PCI compliance help
We walk you through your annual PCI questionnaire and keep it simple. Encryption and tokenization also shrink how much of your business is in scope.
Breach protection
PayVault merchants are covered by a breach protection program. Ask your advisor for the coverage details that apply to your account.
Chip and contactless liability
Accepting chip and contactless cards shifts liability for counterfeit card fraud away from you.
Help with chargebacks
When a customer disputes a charge, we help you respond with the right paperwork, on time.
The security behind every transaction
PCI DSS Level 1
The highest level of card-industry security, held by our processing partners
Point-to-point encryption
Card data is unreadable from the moment of the tap
Tokenization
Stored cards are replaced with tokens
EMV and contactless
Chip, tap and mobile wallets on every device
Fraud tools
Extra screening you can switch on as you grow
Straight answers
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