# Card on File Tokenization
source: https://developer.mastercard.com/mastercard-checkout-services/product/card-on-file-tokenization/index.md

### Key features {#key-features}

Secure e-commerce by replacing account PANs with tokens to ensure better approval rates, optimized user experiences, robust security features, and more.
![Security](https://static.developer.mastercard.com/content/mastercard-checkout-services/images/security.svg)

###### Security {#security}

Customer payment information is secure as it passes between entities, increasing trust, building loyalty and reducing the likelihood of fraud
![Convenience](https://static.developer.mastercard.com/content/mastercard-checkout-services/images/convenience.svg)

###### Convenience {#convenience}

Enhanced features simplify processes such as provisioning and card lifecycle management events, limiting frustrations associated with manual card entries and false declines
![Control](https://static.developer.mastercard.com/content/mastercard-checkout-services/images/control.svg)

###### Control {#control}

Access to secure credentials across all touch points of the payment journey allows you to provide easier, faster checkouts in-app or at a contactless POS

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### How it works {#how-it-works}

![how it works](https://static.developer.mastercard.com/content/mastercard-checkout-services/images/securecardonfile-how-it-works7.png)

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### Why use it {#why-use-it}

### 83%

use card-on-file (COF), and 43% believe that the retailer is the primary party responsible for protecting the information

Security Magazine, Retail Fraud Attempts Double Year-Over-Year and Triple Since 2017, September 2019
Security Magazine, Online Retail Fraud Up 60% Since 2017, December 2019

### 1 in 3

have been a victim of data breaches, identity theft, or credit card fraud

Security Magazine, Online Retail Fraud Up 60% Since 2017, December 2019

### 81%

say they are at least somewhat concerned about the security of their saved cards

Security Magazine, Online Retail Fraud Up 60% Since 2017, December 2019

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### Use cases {#use-cases}

![Card Enrollment](https://static.developer.mastercard.com/content/mastercard-checkout-services/images/card_enrollment.svg)

###### Card enrollment {#card-enrollment}

Tokenize account PANs entered by the consumer, held on file, or retrieved from Click to Pay (**subject to consumer participation**) to secure future payments
![Manage Tokens](https://static.developer.mastercard.com/content/mastercard-checkout-services/images/manage_tokens.svg)

###### Manage tokens {#manage-tokens}

Keep your consumers' payment information up-to-date with issuer life cycle management notifications received through Card on File
![Making Payments](https://static.developer.mastercard.com/content/mastercard-checkout-services/images/making%20payments.svg)

###### Making payments {#making-payments}

Retrieve tokenized account details to submit for one-time or recurring payments authorization
![Authentication](https://static.developer.mastercard.com/content/mastercard-checkout-services/images/authentication.svg)

###### Authentication {#authentication}

Use Mastercard offered authentication frameworks to authenticate a transaction

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### Resources {#resources}

Mastercard Checkout Solutions

Offers Integration Solution for tokenizing Mastercard cards using Secure Card on File.

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**Used
By** Merchants, PSPs \& Commerce Platforms. **Regions** Global. **Supports** ![mastercard card](https://developer.mastercard.com/img/card_mastercard.svg)![maestro card](https://developer.mastercard.com/img/card_maestro.svg)

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