Deep Dives25 min read
How Platforms Implement PCI-Compliant Card Vault Tokenization
**Choose the Card Vault ownership model based on who stores PAN, who can reverse tokens, and how much operational burden the platform team wants to own.** The right choice lets a PCI-compliant card-vault architecture replace sensitive card data, including the Primary Account Number (PAN), with tokens so fewer systems ever see plain-text card data. It also helps operators avoid a late surprise: a "tokenized" design can leave meaningful PCI DSS work inside the platform boundary.
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