Why You Should Switch to Tokenised Card Storage

If your business currently stores raw card details or allows them to be viewed in full after entry, it’s time to make a change. Storing visible card data — even when encrypted in a “secure” database — exposes your business to unnecessary risk and increases your compliance burden under PCI DSS (Payment Card Industry Data Security Standard).

By moving to a tokenised payment platform such as Pin Payments or Tyro, you can reduce your security risks, simplify compliance, and provide your customers with safer, faster transactions.

Tokenisation replaces sensitive card information (such as the card number and expiry date) with a randomly generated token.

• The token has no exploitable value outside of the payment processor’s system.

• The actual card details are stored securely by the payment provider — never in your own systems.

• Your business only stores and uses the token to process payments.

PCI DSS has clear rules:

• Full Primary Account Number (PAN) must be masked when displayed — only the last 4 digits can be shown.

• CVV/CVC codes must never be stored or displayed after authorisation.

• Storing raw card data creates significant security and legal exposure, including:

  • Data breach risk – one breach could cause irreparable reputational damage.

  • PCI DSS non-compliance – leading to fines, investigation costs, and potential loss of merchant privileges.

  • Customer trust loss – customers expect modern security standards.

• Card numbers are never stored on your systems.

• Tokens cannot be reverse-engineered into card data.

• No need to secure, encrypt, and audit a database of raw card numbers.

• Greatly reduced scope of PCI DSS compliance obligations.

• Faster checkouts for returning customers without re-entering card details.

• Secure recurring billing for subscriptions or ongoing services.

• The payment provider assumes responsibility for storing sensitive card data.

• Minimises legal and financial exposure in the event of a breach.

• Pin Payments – Designed for Australian businesses, integrates easily with HirePOS and supports tokenised card storage.

• Tyro – Offers integrated EFTPOS and online payments with full tokenisation support.

Both platforms are PCI DSS–compliant and have proven security track records.

1. Contact our support team to discuss your current card storage setup.

2. We will help you migrate your customer payment data to a tokenised provider.

3. Once complete, your system will no longer store or display full card details, reducing risk and simplifying compliance.

✅ By migrating now, you’re not just meeting compliance standards — you’re building trust and protecting your business for the long term.

Further reading:
https://www.pcisecuritystandards.org/