The future of secure e-commerce is now!

eCOM Tokenizer

Security as a prerequisite for success in e-commerce

As technology moves forward, fraud does too.

Let’s keep a step ahead of fraudsters and create a secure online shopping environment
with increased customer satisfaction and loyalty.

Enhance Security

Sensitive PAN data is exchanged with merchant specific network tokens to lower risk and fraud.

Remove PCI-DSS complexity from merchants

Improve Convenience

Better convenience and increased confidence for cardholders due to an intuitive user experience.

Automated card validity update from issuers to merchants.

Drive Conversion

Increase in approval rates for merchants and PSPs.

Transactions secured with cryptograms lead to higher conversion.

Other token-based services

Delegated Authentication can be bundled with Click To Pay.

An additional step towards ensuring a seamless customer experience.


Network Tokenization in e-commerce improves the user experience, the conversion rate and security, so it is a win-win-win for the consumer, the merchant/PSP and the card issuer.

Kurt Schmid

Kurt Schmid

Innovation and Marketing Director
Secure Digital Payments at Netcetera.


Tokenization is a solution that merges the needs of different industry stakeholders. It is about security, convenience, and conversion in the e-commerce business.



Mobile Payment Solutions

eCom Tokenizer – one interface that connects to multiple schemes

The eCOM Tokenizer enables merchants or PSPs to connect to all major schemes’ token
service providers via a single API, without having to go through costly and time-consuming integration
and certification processes with each scheme separately.

Three use cases of network tokenization:

  1. During the card enrollment, the eCOM Tokenizer obtains a network token from the Token Service Provider (TSP).
  2. Throughout the checkout, each transaction is strengthened with an additional element, the cryptogram, which contributes to higher security.
  3. The lifecycle management tool ensures seamless and secure e-commerce, where the network token is decoupled from the funding card for notification renewals, and card data updates happen without any effort from the cardholder.





Token Requestor


Token Service Provider


Card Issuer

eCOM Tokenizer is a card network-neutral solution from Netcetera and G+D,
connecting checkout systems with multiple token services, and extendable for future payment technologies

Leverage our solution to maximize your revenues

Faster time
to market

Already integrated with scheme token service

Easy implementation
of APIs

One interface to multiple schemes with unified flows


Offered as a service with automatic implementation of scheme updates

In line with the
latest technology

Continuous enhancements of functionalities

Secure your business!

We make an impact today

by offering you authentic, innovative and reliable solutions

What makes us the best choice?

Our impeccable customer service
Solid protection against fraud
Our knowledge
and expertise
Fastest time
to market

Make a step forward

Experience to date shows that online merchants can improve their conversion rates by approximately 6% with network tokenization compared to normal card on file


YoY growth of
e-commerce fraud in 2021

(from $17.5 billion in 2020 to over $20 billion by 2021)


of shoppers avoiding online shopping worry about payment security or privacy

Over the last year global online sales grew by more than 24%.

In 2021, the average cost of a data breach has reached USD 4.24 million, the highest in the past 17 years. One-third of new shoppers whose transactions were falsely declined will abandon the retailer and switch to a competitor. In fact, Aite Group has estimated that merchants could stand to lose as much as USD 430 billion to fraud in 2021.

With e-commerce sales forecast to reach $4.2 trillion in 2021 and over 2.14 billion unique shoppers worldwide, getting the online shopping experience right for customers has potentially huge benefits.

Focus on growing your business instead of worrying about fraud and approving transactions.

We are confident our product can help

Do you have any questions or need advice?

Our experts are available to support you

Explore more


Enhance security, convenience, and conversion in your e-commerce business

The health and success of a merchant’s business correlates strongly with payment card authorization rates…

On-demand webinar

Network Tokenization for merchants and PSPs: Benefits and Opportunities

Tokenization has been around for a while. PSPs have implemented proprietary solutions to replace PANs…

On-demand webinar

SRC and Network Tokenization for improved checkout experience

New upcoming technologies enhance the customer experience and improve the conversion rate even more…

Jukka Yliuntinen

How tokenized payments keep e-commerce safe from humbug

Interview with Jukka Yliuntinen, Head of Digital Payment Solutions at Giesecke + Devrient…

Netcetera is a global software company with cutting-edge IT products and individual digital solutions. More than 2,000 banks and issuers, and 150,000 merchants rely on our digital payment solutions and globally certified 3-D Secure products. Founded in 1996, Netcetera has 800 employees across Europe, Asia and the Middle East.