Own your payment credentials
Store and manage payment credentials without being locked in. Payrails Token Vault lets you collect, encrypt, and reuse cards, wallets, and network tokens while avoiding dependency on a single provider.
Control how payment data is stored and used with Token Vault
Many merchants rely on processor vaults to store card data, which limits flexibility when switching providers or managing payments across multiple PSPs. Our Token Vault stores credentials in a neutral environment so teams can securely manage, reuse, and route credentials across their stack.
Eliminate vendor lock-in
Payrails stores customer credentials independently from any single payment provider. Merchants can move volume between PSPs or switch providers entirely without migrating tokens or losing access to stored customer payment methods.
Minimize PCI scope
Payrails handles encryption, tokenization, and secure storage of card data. This allows merchants to outsource the PCI-DSS burden and move from complex audits like SAQ-D to simplified compliance under SAQ-A.
Boost conversion
Payrails supports Visa and Mastercard network tokens, allowing merchants to use credentials that stay updated when cards expire or are replaced. Network tokens can increase authorization by 2-4% compared to traditional methods, while improving customer experience and reducing revenue loss.
Track payment identity
Token Vault generates a card-level fingerprint that allows teams to recognize the same card across accounts without storing sensitive card data. This helps identify returning customers, detect fraud patterns, and improve security.
Simplify digital wallet tokens
Payrails provides certified, processor-agnostic storage and decryption for Apple Pay and Google Pay credentials, allowing merchants to manage digital wallet tokens alongside card credentials in the same vault.
The operating system for profitable growth
Payrails helps businesses use payments as the foundation for more intelligent financial operations.
Configurable routing and retries
Route by issuer, country, method, amount, or cost. Run controlled experiments with new PSPs. Recover soft declines during traveler checkout with configurable retry logic and fallback providers.
Explore OrchestrationCost and performance optimization agent
Translate cryptic settlement line items into plain-language cost categories. Benchmark effective rates across PSPs, payment methods, regions, and entities for hospitality payments.
Explore Fee MonitoringUnified chargeback management
Bring every dispute into one workflow, regardless of PSP. Pull transaction logs and booking data automatically. Track win/loss rates by reason code, issuer, region, and PSP.
Explore ChargebacksDecoupled authentication
Reuse 3DS authentication across multiple authorizations to streamline post-booking upgrades and hotel upsells.
Explore 3DSRecommended reading
Turn payments into profits
Grow smarter with AI-enabled payment optimization. Get a walkthrough tailored to your business, markets, and stack.
Got questions?
A token vault securely stores payment credentials such as cards, network tokens, and digital wallet data. Sensitive card numbers are replaced with tokens so merchants can process payments without storing raw payment data.