Tokenization
Protect card data, cut fraud risk, and improve approval rates with Fenige’s Token Management Service.
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What is Tokenization
by Fenige?
Fenige’s Token Management Service / Token Management System is a centralized platform that:
Issues unique tokens that stand in for card or payment data
Stores and authenticates those tokens for future payments
Exposes a tokenize API so you can generate and manage tokens in your own flows.
Instead of sending or storing real card numbers, you use a token – a value that’s useless to attackers if intercepted and can’t be reverse-engineered into the original data.
In Fenige’s e-commerce and P2P products, tokenization assigns a one-time token to each transaction and card, helping protect operations from fraud and increasing the acceptance rate by over 5%.
Who is it for?
E-commerce merchants & platforms
that want to store cards for one-click and recurring payments without holding PANs.
Payment facilitators / PSPs
managing many merchants and looking to centralise card-on-file storage securely.
Fintechs, wallets and apps
using card data across channels (web, mobile, in-app) and needing strong security plus good UX.
High-risk and high-volume businesses
where fraud pressure and PCI scope are serious pain points.
Key benefits
Replace card data with secure tokens
Tokenization swaps card numbers and other sensitive details for unique tokens. Even if someone intercepts a token, it’s useless outside of your authorised environment and TMS.
One-time tokens + better approval rates
Fenige’s Polish product pages describe a service that assigns a one-time token to each transaction and card, which both hardens security and increases the acceptance rate by more than 5%.
Safer card-on-file & recurring payments
Tokenization is explicitly used for secure storage of customer card data for recurring payments, so you can run subscriptions and “save card” features without keeping raw PANs.
Smaller PCI scope & easier compliance
By working with tokens instead of card numbers, you reduce how much of your own infrastructure touches sensitive data. Fenige’s TMS and PCI-DSS-compliant platform take on more of the burden, while you still keep control over payment logic.
Works across channels and methods
Fenige uses tokenization in multiple contexts – from standard card payments through e-commerce to mobile wallets such as Google Pay (where only an encrypted payment token, not the card number, is used).
How tokenization fits into your stack
Integrate with the tokenize API / TMS
Your system calls Fenige’s tokenize API or Token Management Service when you first capture card data (e.g. at checkout or during card-on-file enrollment). The API returns a token representing that card.
Store tokens, not raw card numbers
You save the token in your database and reference it in future transactions (one-click, recurring, refunds), while Fenige’s TMS safely maps tokens back to real data in its secure environment.
Use tokens in payment operations
When you charge the customer again, you send the token instead of the PAN. Fenige authorises the payment, applies fraud and 3-D Secure rules where relevant, and returns the result like a normal transaction.
Manage token lifecycle via API
Through the same interfaces, you can manage tokens (e.g. re-tokenise, deactivate, or update when cards change) without re-exposing card data to your systems.
Want to store cards and run one-click or recurring payments without holding raw card data?
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