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The Axepta Online solution allows you to tokenize card numbers as "PCNr" (Pseudo Card Number) and IBANs as "PBAN" (Pseudo Bank Account Number).

A token is a random number generated by the payment solution that represents a card or IBAN number. The token is composed of random characters whose last 3 digits correspond to those of the real card or IBAN number.

How to recover the token ?

The merchant can recover the token at the time of a first payment (tokenization with payment) or of a request for information (tokenization without payment).

This token is filled in the notification URL (URLNotify) which indicates to the merchant the status of the transaction.

The merchant can then save the token and reuse it later, under the condition of the prior agreement of the customer/cardholder (Opt-in). The merchant is then able to initiate payments from the tokens already saved (examples: one click, recurring payment...).


Technical interpretation

The JSON Card object, returned in response to a payment request, contains the card number of the tokenized cardholder.

Detail of the object : card:response EN - Documentation BNP Paribas - Axepta

It is not necessary to be PCI DSS to store this data.

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