# Guest Checkout Tokenization
source: https://developer.mastercard.com/mastercard-checkout-services/product/guest-checkout-tokenization/index.md

### Key features {#key-features}

Fortify e-commerce by replacing PANs with unique tokenized credentials for use in guest checkouts
![Cardholder Experience](https://static.developer.mastercard.com/content/mastercard-checkout-services/uploads/cardholder_experience.svg)

###### Cardholder Experience {#cardholder-experience}

Avail the benefits of tokenization without the need to save a card on file
![Merchant success](https://static.developer.mastercard.com/content/mastercard-checkout-services/uploads/merchant_success.svg)

###### Merchant success {#merchant-success}

Alleviate friction during guest checkout, potentially reducing cart abandonment
![Security](https://static.developer.mastercard.com/content/mastercard-checkout-services/uploads/security.svg)

###### Security {#security}

Enhance security through the use of cryptograms
![Issuer enhancements](https://static.developer.mastercard.com/content/mastercard-checkout-services/uploads/issuer_enhancements.svg)

###### Issuer enhancements {#issuer-enhancements}

Remove PAN from high-risk flows, reducing PAN reissue costs. Improve decisioning and controls.

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

![how it works](https://static.developer.mastercard.com/content/mastercard-checkout-services/images/guestcheckout_howitworks003.png)

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

### 60%

increase in fraud since 2017

Security Magazine, Retail Fraud Attempts Double Year-Over-Year and Triple Since 2017, September 2019

### 2x

increase in retail fraud attempts every year

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

### 75.6%

of online shopping carts are abandoned and may be attributed to factors like complex checkouts or lack of confidence in security

Truelist., 34 Shocking Shopping Cart Abandonment Statistics, March 2020

### Nearly 4x

as many declines for card not present versus card present authorizations (15% and 4%, respectively)

FIS, 3 Ways to Drive Higher Approval Rates in Online Payments

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### Use cases {#use-cases}

![Merchant registration](https://static.developer.mastercard.com/content/mastercard-checkout-services/uploads/merchant_registration.svg)

###### Merchant registration {#merchant-registration}

Register your Digital Payment Applications (DPAs). DPAs could be a merchant e-commerce website or mobile application with unique registrations for each digital channel.
![Tokenize guest checkout](https://static.developer.mastercard.com/content/mastercard-checkout-services/uploads/tokenize.svg)

###### Tokenize guest checkout transactions {#tokenize-guest-checkout-transactions}

Offer tokenization of PANs received through guest checkouts. Customer payment information is secure as it passes between entities, increasing trust, building loyalty and reducing the likelihood of fraud.
![Making payments](https://static.developer.mastercard.com/content/mastercard-checkout-services/uploads/making_payments.svg)

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

Obtain the encrypted transaction credentials for a card from Mastercard and submit it for payment authorization allowing the consumer to complete a guest checkout.

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### Resources {#resources}

Unified Checkout Solutions

Offers Integration Solutions that cater to a suite of digital commerce use cases agnostic to any network schemes

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**Used By** Merchants, PSPs, Commerce Platforms **Regions** Global **Supports** ![mastercard card](https://developer.mastercard.com/img/card_mastercard.svg) Mastercard Checkout Solutions

Offers Integration Solutions for Mastercard cards

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

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