RBI compliant solution
Saved cards feature
Reduced risk of data theft 
Seamless customer experience​

Card Token Payment Process



Customer initates a purchase on a website/app via the Saved Card feature


Plural Tokeniser

Encrypts the sensitive card details into a ‘Token’ that is mapped to a business and the actual saved card network.



Collects the token and Token authentication verification value (TAVV) from the Token Requestor as per customer’s request for authorisation


Acquiring bank

Processes token to the card network


Card network

Converts token to PAN and passes it to the issuing bank


Issuing bank

Authorises the request and sends a response to the card network

RBI – Compliant Card Tokenisation Solution for Zero Business Disruptions

As per RBI guidelines, businesses and payment aggregators are prohibited from storing customer card details. Plural’s card tokenisation solution replaces sensitive customer data with a token, making businesses 100% RBI compliant.

Saved Cards Feature for Faster Customer Checkout

Offer repeat customers the option to save card details for faster checkout and seamless customer experience.

Our Library

Plural Tokeniser Demystified: Everything you need to Know about tokenisation!

RBI recently published a mandate that Merchants, Payment Gateways(PGs) and Payment Aggregators(PAs)

RBI guidelines and Tokenisation: All you need to know

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Payment gateway security: 7 ways to secure your payments

A report by Business Standard stated that, on average, 100 million online transactions are conducted

Frequently Asked Questions

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