Your Token Service Partner

Carta offers comprehensive technology solutions to enable banks, processors, networks and mobile wallet providers to digitize, transact and manage account credentials for secure and scalable digital payments.

Unparalleled Capability

Leveraging our innovative Transaction Processing and Card Management Platform, Carta delivers a complete offering for tokenization including:

Account Enablement
  • Cardholder identification & verification
  • Link token PAN and cardholder PAN
Token Management
  • Tokenization – generate token PAN
  • De-tokenization
  • Token Vault – Secure storage and mapping of PANs
Token Transaction Processing
  • Transaction authorization switching / routing
  • EMV cryptogram validation
  • PIN management
  • Transaction authorization rules & checks
  • Reporting and data analytics
  • Clearing / settlement support

Who Benefits from Tokenization?

Tokenization is reshaping the payments ecosystem and extending data security and convenience for consumers. Carta technology empowers service providers to efficiently deploy digital payment solutions to market.

host card emulation icon

Digitize existing card portfolios and enable payments within proprietary mobile payment app

Processors / Networks

Provide digital payment services on-behalf of issuers

Wallet Service Providers

Enable simple & secure digital payments within your mobile wallet service with a scalable solution that extends streamlined connectivity on behalf of issuers


Deliver unique payment experiences to enhance your mobile app, or extend into partner wallets. Simplify data security compliance by replacing card-on-file databases with tokenized data


  • Control: Cost, Technology, Roadmap
  • Enhanced Security Features
  • Cloud and Hardware SE Compatible
  • Hosted and On-premises Deployment Options
  • Support Multiple Payment Network Standards + Proprietary Services
  • Scalable Technology Stack

Deployment options

Carta offers tailored solutions that allow you to balance control, integration and speed-to-market with the flexibility to evolve over time.

HOSTED SOLUTIONS: Platform-as-a-service (PAAS)

End-to-end hosted solutions provide secure credential management & tokenization service with rapid time to market while minimizing impact to existing issuer systems.
Read more

IN-HOUSE SOLUTIONS: Token Processing Appliance (TPA)

Carta’s industry leading digital issuance and cloud-based credential management software can be directly integrated as a configurable, fully on-premises solution.
Read more

Managed Tokenization Service

Carta offers a managed tokenization service to Issuers and wallet service providers. The service implements payment-scheme specific specifications and rules, in line with the EMVCo tokenization framework.

This service is agnostic to the type of deployment model and supports cloud based payments models (MCBP, VCBP), using HCE and hardware Secure Element-based security.

Read more about Host Card Emulation (HCE)

We implemented a complete tokenization service in record time.
Hans Henrik Hoffmeyer, Senior Vice President at Nets Group

Webinar case study: Lessons learned from selecting and implementing a tokenization solution able to serve 200 banks