Introduction

As part of our Payment Optimization suite, Forter offers agnostic card vaulting solutions that work across all processors to:

Protect sensitive card data by replacing it with secure tokens.
Improve payment performance by reducing fraud and increasing approval rates.
Maintain full control over card data while ensuring compliance with PCI-DSS standards.

Our suite includes:

These solutions help merchants optimize their payment stack while tailoring their compliance needs to their business model.

Benefits of Forter Tokenization

Agnostic Tokens – Enabling multi-processor strategy.
Zero PCI Scope – Eliminate the need to build and maintain a PCI-certified vault, saving resources, costs, and compliance efforts.
Processor Flexibility – Tokenized card data can be used across multiple payment processors.
Enhanced Security – Protect sensitive card data, reducing the risk of fraud and data breaches.
Seamless Integration – Work with any processor, ensuring full payment ecosystem flexibility.

When implementing Forter Tokenization solution for your project, select only one of the available approaches outlined in this documentation.

Solution	Who is it for?	What it does	Compliance Scope
🟢 Zero PCI Compliance (Hosted Fields + Proxy)	Merchants who want to avoid handling card data entirely	Forter collects and tokenizes card data before it reaches your system	Forter fully handles compliance
🟡 Limited PCI Compliance (Direct API Integration)	PSPs & merchants who are already PCI compliant but want to reduce scope	Merchant collects card data and tokenizes it using Forter’s API	Merchant retains some compliance responsibilities

Which one to choose? If you don't want any PCI liability, choose Zero PCI Compliance.

If you already have PCI compliance but want to minimize exposure, choose Limited PCI Compliance.

Forter handles the entire process, so merchants never touch raw card data.

Detokenization Proxy

Passes card data to third-party services without exposing raw card details.

Hosted Fields

Collects card data securely on the checkout page and returns a token.

Merchants collect card data but reduce PCI scope with Forter’s tokenization API.

PCI Tokenization

Replace sensitive payment data with non-sensitive tokens.

In addition to PCI Tokenization, Forter's Card Vaulting solution also offers:

Network Tokenization

Reduce processing costs & improve approval rates using network-issued tokens.

Account Updater

Automatically update expired or replaced cards for seamless transactions.