TOKEN VAULT
Vault and tokenization, without being tied to a processor
A centralized and PSP-agnostic vault that stores your customers' card data and allows you to charge through any processor, now and in the future.
THE PROBLEM
Your customer data is trapped in the processor.
If your tokens are in the PSP's vault, that provider is in control. Switching processors, adding a new one, or setting up a fallback means losing the saved data, or asking each customer to re-enter their card details.
01
Processor dependency
Your tokens live in the PSP's vault. If you change providers or add another one, the data does not follow you.
02
You cannot orchestrate
Without your own vault, each saved card remains tied to the PSP that captured it. You cannot choose how you process your payments.
03
PCI compliance upload
Storing card data directly implies complex audits (SAQ-D). A PCI vault simplifies it.
30%
of buyers abandon the checkout if they have to re-enter their card details
Statista 2024
HOW IT WORKS
Zru centralizes your customers' payment credentials in an encrypted vault, independent of the PSP.
The customer inserts their card only once
Data is securely captured and stored in Zru's vault. It never passes through your servers. You receive a token that is yours, independent of any processor.
And if you activate network tokens, the credentials renew themselves automatically
When a card expires or is reissued, Visa and Mastercard notify Zru. The token is automatically updated. Recurring charges continue to work, without the customer having to do anything.
BENEFITS
The vault is yours.
The tokens are too.
The vault is not just secure storage. It is the piece that makes orchestration possible: without it, every change of PSP forces re-tokenization and asking for the card again.
Switch processors without losing your customers
The tokens are yours, not the PSP's. If you add a new processor or change your primary one, the card data follows you. No migration, no friction for the customer.
One-click checkout that always works
The customer saves their card once and pays with a single click on every purchase, regardless of which processor manages the charge. The experience is always the same.
Route to any PSP without re-tokenizing
The Zru vault token can be used with any of your processors. Whether you change PSPs, add a new one, or set up a fallback, your customer data follows you without asking for the card again.
Reduced PCI scope
Card data never enters your systems. We manage encrypted storage and PCI-DSS compliance, simplifying your audit.
MEASURABLE IMPACT
What changes when
your tokens are yours
Market data on the impact of an agnostic vault versus tokens pegged to the PSP.
+5%
uplift in authorization rate by combining agnostic vault with intelligent routing
-10%
reduction in payment churn with own vault and active smart routing
100%
token portability between processors, without re-tokenization or migration
