SPARK VAULT: TOKENIZATION & WALLET

  • Faster time-to-spend and improved customer activation

    Enables customers to add and activate their card in digital wallets instantly, accelerating first transaction and increasing digital usage from day one.

  • End-to-End Server-to-Server Orchestration

    A unified tokenization flow that centralizes token generation, provisioning, activation, and lifecycle management through secure backend APIs, eliminating fragmented integrations.

  • Security That Scales with Digital Use Cases

    PAN replacement with payment tokens reduces exposure of sensitive card data while enabling secure expansion across wallets, devices, and digital payment environments.

Issuers face increasing exposure to card data breaches, complex token lifecycle management requirements, and growing scheme compliance demands that elevate security risk, operational overhead, and integration complexity across digital payment channels.

  • Secure Tokenization for Digital Payments

    SPARK Vault is a server-to-server tokenization platform designed to help issuers securely enable digital payments. It replaces sensitive card PANs with payment tokens, reducing data exposure while supporting seamless use across wallets, devices, and digital channels.

  • The solution manages the complete token lifecycle including card eligibility validation, token request decisioning, provisioning, activation, and result retrieval. By combining issuer-defined rules with wallet and device context, SPARK Vault ensures consistent control and secure approval processes.

Key benefits

  • Enhanced card data protection

    Replace PAN numbers with payment tokens to reduce the exposure of sensitive information on digital channels.

  • Centralized issuer control

    Apply eligibility and decision rules for all token, device, and wallet requests.

  • Unified tokenization management

    Centralize token generation, lifecycle management, and issuer integration in a single server-to-server flow.

White EMV Tokenization

Secure, Scalable Digital Card Enablement

The EMV Tokenization solution enables secure digital card provisioning by replacing sensitive PAN data with domain-controlled payment tokens, ensuring safe usage across digital payment environments while reducing fraud exposure.

  • EMVCo-compliant token issuance and lifecycle management
  • PAN replacement with domain-controlled payment tokens
  • Support for NFC, card-on-file, and remote e-commerce transactions
  • Reduced PCI scope and minimized exposure of sensitive credentials
  • Full control over provisioning, activation, suspension, and token lifecycle management

Secure Storage

Secure Payment Credential Storage

This solution ensures maximum protection of sensitive payment credentials while maintaining operational resilience and full regulatory compliance.

  • Ensures maximum protection of sensitive payment credentials while maintaining operational resilience and compliance
  • Encrypted vault for PANs, tokens, and sensitive payment credentials
  • Hardware Security Module (HSM) integration for key management
  • End-to-end encryption with strict access control policies
Let's start your Tokenization Journey