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Electronic Payment Exchange Enters its Tenth Year of Issuing Tokens for Securing Credit Card and ACH Transaction Data
Date:5/26/2010

ince their tokens can be reverse-engineered to reveal their corresponding card numbers,” explains Ornce. “EPX tokens provide ultimate security because they are not derived from card numbers, and therefore cannot be reverse-engineered into meaningful data.”

Ornce says that another key differentiator between EPX’s tokenization solution and those of competitors is that EPX tokenization technology is “built in, not bolted on” to its payment processing platform. EPX’s payment processing platform was built with tokenization as an inherent component, while other payment processors have modified their legacy systems by adding on tokenization modules.

In addition to using tokenization for protecting credit card data, EPX tokenization technology has also been securing electronic check (ACH) payments since 2001. Contrary to recent claims by competing payment processors who reported that they were the first to offer tokenization of ACH data, EPX stands alone as the first to apply tokenization technology to ACH payments.

EPX has been an innovator and active leader in the payment processing space since 1979, and its nearly 10 years of using tokenization to protect credit card and ACH payments is further evidence of EPX’s commitment to protecting merchants. According to EPX Executive Vice President Charles Crawford, “In the 31 years EPX has been in the payments business, we have made many breakthroughs by simply pursuing what is most effective, what is most efficient, and what serves our merchants best. We’ve never waited for others to lead the way, nor will we in the future.”

About Electronic Payment Exchange

Founded in 1979, Electronic Payment Exchange is the global, industry-leading provider of fully integrated, end-to-end payment solutions for merchants across all distribution channels. EPX offers a full range of payment processing services for leading merchants, r
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