Payment vault for your cards, wallets, and tokens

A token vault is a PCI-compliant storage that holds tokenized payment credentials – card numbers and digital wallet tokens – in place of raw card data. Each credential becomes a unique token that routes across acquirers, PSPs, and processors without exposing sensitive data. Solidgate's payment vault stores 100M+ tokens annually and connects to 100+ providers from a single integration, so you stay portable and PCI-compliant without extra setup.

Card on file tokenization replaces a stored payment card with a token reused for future charges – recurring subscriptions, one-click checkout, or merchant-initiated transactions. Solidgate Vault flags every credential per Visa and Mastercard CoF rules, distinguishing cardholder-initiated (CIT) from merchant-initiated (MIT) transactions. The token stays valid through Account Updater and network token refreshes, and you can route it to any PSP without re-collecting the card from your customer.

Unlike PSP-locked vaults, Solidgate token vault is provider-agnostic – you route, migrate, and update tokens without re-collecting cards from customers. It works as a central, PCI-compliant storage layer with full control over payment credentials, tokens, and BIN metadata. Route the same token across 100+ acquirers, analyze performance per provider, refresh expired cards automatically, and migrate to a new processor without losing a single subscription or saved card.

Yes. Solidgate Vault is certified to PCI DSS v4.0, ISO 27001:2022, GDPR, and SOC 2 Type II. The vault handles tokenization, storage, and lifecycle management across cards, Apple Pay, Google Pay, and other payment methods. Raw card data never enters your environment, so your systems stay out of PCI scope – and your compliance cycles get shorter and less expensive as you scale.

improve approval rates because they carry an authentication signal from Visa or Mastercard's own token infrastructure – a source issuers recognize and trust. That trust translates into fewer antifraud checks, fewer false declines, and faster authorization. Across Solidgate merchants, network tokenization delivers acceptance rate improvements of up to +15% compared to non-tokenized transactions with the same cards. On top of that, Vault auto-refreshes expired credentials through Account Updater and prevents from outdated tokens – so more legitimate transactions clear on the first attempt.

 

 

Yes. Card-on-File Migration lets you securely import tokenized credentials from other vaults or PSPs into Solidgate Vault – no re-tokenization, no customers re-entering cards. Your subscription base transfers intact and recurring payments keep running without interruption. You stay in control of your credentials from day one, with full token portability across all 100+ connected providers.

Yes. Vault manages the full lifecycle of Apple Pay's Mobile Primary Account Number (MPAN) and Google Pay tokens, refreshing them automatically when a card is renewed, replaced, or re-issued. Subscriptions and recurring charges keep running without manual intervention or customer re-authentication. The same vault stores card tokens, network tokens, and wallet tokens side by side, so you can route any saved instrument across PSPs with one unified token model.

Both cases are handled the same way. When an issuer re-issues a card, stored credentials are updated automatically – either through Account Updater or network token refresh – with no action needed on your side. continue uninterrupted, and you cut declines caused by outdated card data by up to 27%.

Yes. Vault integrates directly with Visa Token Service (VTS) and Mastercard Digital Enablement Service (MDES) to issue, store, and update network tokens automatically. Network tokenization reduces fraud, lifts authorization rates, and keeps your PCI burden low. Solidgate also supports network tokens from other card schemes where available, and applies them to recurring and one-time payments alike – with no extra engineering work on your side.

Most merchants go live within a few days. Vault works out of the box with your Solidgate setup, and integration timelines vary by use case – but the lift is minimal.

Definitely. Vault supports tokenization, updates, orchestration, and analytics for both recurring subscriptions and single-charge payments. Use it for SaaS billing, one-click checkout, or merchant-initiated transactions – the same vault, the same token model, the same orchestration layer. CIT and MIT flags are applied automatically per card scheme rules, so every tokenized transaction routes correctly and complies with PSD2 and network mandates out of the box.

With vault-based tokenization, tokens stay valid across regions, PSPs, and acquirers – so you enter new markets without re-collecting cards from existing customers. Add a local acquirer for LATAM or APAC, route the same stored token to the new provider, and start optimizing approval rates from the first transaction.