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EP.03 | Network tokens: the real question is your vault
Tokenization
Payment Security

EP.03 | Network tokens: the real question is your vault

Network tokens replace the card number (PAN) with tokens to process transactions: a deep trend toward more security across Visa, Mastercard, probably American Express and Cartes Bancaires. But for Jonathan Lesieur, the bigger question is data sovereignty: what do you actually own, and where does your vault sit? Run it yourself, hand it to an orchestration partner, or trust your PSP? A vault's value is interoperability: the higher it sits in the value chain, the more freely you can route transactions to any PSP, gateway or acquirer for the best balance of cost, performance and user satisfaction.

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