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Mastercard - Secure Card on File

Mastercard - Secure Card on File (SCOF)

What is Mastercard Secure Card on File?

Mastercard's Secure Card on File (SCOF) provides merchants, commerce platforms, PSPs and so on with the capability to securely tokenize both Account PANs inputted by consumers and existing Account PANs that are already on file. Each PAN is replaced with a unique token, subject to issuer participation, and this token can then be used for e-commerce and in-app transactions, providing a more secure transaction.

Benefits

Enhanced Security

  • Reduced Risk of Data Breaches: Replacing Account PANs with Network Tokens minimises exposure of actual card information. Even if a breach occurs, the stolen tokens are useless without the ability to detokenize them.
  • End-to-End-Encryption: Tokens help maintain data security throughout the transaction process, from the point of sale to the backend systems.

Flexibility and Scalability

  • Support for Various Payment Methods: Network tokenization supports different types of transactions, including e-commerce, in-store, and mobile payments.
  • Scalability: As businesses grow, tokenization can easily scale to handle increasing transaction volumes without compromising security.

Reduce costs and increase customer trust

  • Lower Fraud-related Costs: By mitigating fraud risks, merchants save on costs associated with chargebacks, fraud investigations, and other related expenses.
  • Increased Consumer Confidence: Enhanced security measures increase customer trust in the merchant’s payment systems.
Service Capabilities

Mastercard's SCOF provides the following capabilities:

Registration (Create, Update, Delete, Revoke, Get)

Manage all aspects of your Registration for the Mastercard SCOF token service. This includes creating a registration to start using Network Token functionality, updating your registration, deleting your registration to stop using network tokens with Paydock, revoking the registration and searching for registrations.

Token Management (Create, Get, Search, Delete)

Manage all aspects of Network Tokens. This includes a creating a Network Token for your card PAN, retrieving created tokens and deleting tokens.

Create Cryptogram

Create a cryptogram, enabling the secure processing of your payments with Network Tokens.

Issuer Updates

Keep Network Tokens up-to-date when card or token information is changed.

Service (Create, Update, Delete, Get, Search)

Connect your Services to your Registration. This includes creating a service, updating a service, deleting a service, retrieving a service and searching for connected services.

3DS support

Complete 3DS checks with Network Tokens.

What is Paydock?

Paydock is a Payment Orchestration platform that provides merchants with the capability to build an extensive payment workflow tailored to their customer's requirements. We work with a series of providers spanning Payment Gateways, Fraud, SFTP and so on, providing you with the building blocks for a fully customisable payment solution and drastically reducing the costs of Payment Gateway integration.

See here for more information on Paydock’s features.

Contact one of our payment advisors today for more information on connecting Mastercard SCOF and Paydock.

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