Frequently Asked Question
How does PCI DSS apply to EMVCo Payment Tokens?
Payment Tokens must be used in conjunction with a dynamic token cryptogram and/or other sufficient domain controls that are enforced during a payment transaction (as defined by the EMV® Payment Tokenisation Specification – Technical Framework) to adequately prevent fraud. It is also not feasible to recover the PAN value associated with the Payment Token through knowledge of only the Payment Token, multiple Payment Tokens, or other Payment Token to PAN combinations.
Applicability of PCI DSS to Payment Tokens is described below.
For entities designated by EMVCo as Token Service Providers:
PCI DSS still applies anywhere Account Data is stored, processed, or transmitted. If any system storing, processing, or transmitting Payment Tokens also stores, processes, or transmits Account Data (such as a PAN), or is connected to systems that store, process or transmit Account Data, those systems remain in scope for PCI DSS requirements.
Please note that while some EMV-compliant chip cards and mobile phones may use Payment Tokens for payment, the use of an EMV-capable terminal or the acceptance of mobile or EMV chip transactions is not an indication that Payment Tokens are necessarily in use. Payment Tokens may be used in multiple types of payment transactions, including from chip cards, mobile devices, and card-on-file services. For more information about Payment Tokens, refer to the EMVCo website – www.emvco.com.
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