Card-on-file (the process of collecting and storing payment card credentials) is fundamental to the card-not-present (CNP) ecosystem, facilitating the delivery of popular payment methods such as one-click ordering and recurring payments.
Growing CNP fraud, and the need for merchants to deliver a seamless user experience, is driving demand for card-on-file EMV payment tokenization. As industry players look tosimplify tokenization initiatives, while adding additional value, token gateway solutions can deliver considerable competitive advantages:














