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Your payment instruments. Secure, updated, always ready

Keep payment instruments active, portable, and up-to-date, so you can switch providers, reduce declines, and never miss a payment.
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One token vault to power every transaction

Create & store

Tokenize and securely store payment instrument data across all your customers and channels.
  • PCI-compliant vault
  • Store cards, Apple Pay, Google Pay, and other payment methods
  • No extra setup or custom infra
  • Unified token model
Vault dashboard displaying stored tokens, card details, and payment brands.

Route & control

Use stored tokens across any PSP without re-tokenizing or losing payments. 
  • Route tokens to any payment provider
  • Avoid PSP lock-in with full data portability
  • Enrich tokens with BIN metadata
  • Import or export your customers' payment instruments
Token connects to Stripe, Adyen, Ebanx, Workday and over 100 providers.

Keep tokens updated

Prevent failed charges, reduce churn, and recover revenue with tokens that stay valid. 
  • Auto-refresh cards with Account Updater (Visa, Mastercard, others)
  • Manage Apple Pay MPAN lifecycle updates
  • Use scheme-issued network tokens
  • Stop paying for declines caused by outdated tokens
Card token details with GPay icon and history of recurring and updated status.

Proven impact at scale

Reduce failed payments, process with confidence, and maintain flexibility as you scale – no compromises required
27%
Fewer failed payments
Keep cards current and transactions successful with automated payment method updates.
100M+
Tokens processed annually
Stored securely, routed efficiently, and kept updated across every payment flow you run.
100%
Token portability
Move freely between providers with full control and zero lock-in or re-tokenization, ever.

Built with the latest card tech

VTS/SCOF label, saved card Visa ending in 1490, and a green pay button.

Network tokenization

Secure transactions with auto-updating tokens from Visa, Mastercard, and other networks, boosting approval rates and reducing fraud.

Updated cards list for Visa, Mastercard, Amex, showing last four digits and status.

Account Updater

Keeps card credentials updated automatically through Visa and Mastercard services, ensuring uninterrupted recurring payments.

Solidgate Vault table with tokens, last 4 digits and payment types like G Pay and Visa.

Card on File management

Store, manage, and classify payment credentials at scale, ensuring secure tokenization, CoF flagging, and compliance with card scheme rules.

Payment token detail with device access methods like Face ID and fingerprint.

Token authentication

Improve auth rates with issuer-linked token recognition and seamless, low-friction authentication for transactions.

Transaction detail card with merchant, date, status, card, and issuing bank data.

BIN data enrichment

Enrich transactions with real-time card metadata for smarter routing, risk decisions, and UI based on BIN-level insights.

Ready to simplify and scale your payments?

Get in touch to activate Solidgate Vault and start optimizing your recurring flows.

Get a demo

Frequently asked questions

Unlike PSP-locked vaults, Solidgate Vault lets you route, migrate, and update tokens without re-collecting cards. Solidgate Vault serves as a central, PCI-compliant data vault, providing you with full control over payment credentials, tokens, and metadata. You can route, analyze, update, and even migrate cards without being tied to one provider.

Yes. Our token vault is fully certified to PCI DSS v4.0, ISO 27001:2022, GDPR, and SOC 2 Type II standards, so we handle all compliance requirements so you don’t have to.

Our built-in Account Updater and Apple Pay lifecycle features automatically refresh stored card and token data, ensuring uninterrupted recurring payments without manual intervention.

You benefit from innovative features like
network tokens
, real-time BIN lookup, and token lifecycle support. These reduce
declines
, detect fraud more quickly, and optimize routing – improving approval rates and reducing overall costs.

Absolutely. Our Card-on-File Migration allows you to securely import your current tokenized credentials from other vaults or PSPs, enabling a seamless switch without losing subscriptions or requiring customers to re-enter their cards.

Yes. We manage the full lifecycle of Apple Pay mPAN tokens-updating them automatically so that subscriptions continue smoothly, even when a card is renewed or replaced.

Vault uses Account Updater and network token updates to refresh card data seamlessly. You receive updated tokens in real-time, and
recurring payments
remain unaffected.

Yes. Vault integrates directly with card schemes to issue and update network tokens automatically, reducing fraud, improving success rates, and keeping PCI burden low.

You can get started with minimal effort – Vault works out of the box with your Solidgate setup. Integration timelines vary by use case, but most merchants go live within a few days.

Definitely. Vault supports tokenization, updates, orchestration, and analytics for both subscription and single-charge use cases, providing you with flexibility and control over all payment types.