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.

  • SPARK Vault centralizes the tokenization and management of payment identifiers within a secure, certified platform. No more need for PAN: sensitive data is natively protected, while digital uses (wallets, omnichannel payments) are easily activated.

  • The result: less complexity and faster processes for enhanced operational efficiency.

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.