# Card On File Tokenization
source: https://developer.mastercard.com/mdes/product/mdes-for-merchants/index.md

### Tokenize Account PANs {#tokenize-account-pans}

Reduce fraud across the digital ecosystem by turning primary account numbers (PANs) entered by consumers or stored on-file, replacing each PAN with a unique MDES token.

###### Secured Payment Credentials {#secured-payment-credentials}

Customer-initiated transactions use domain-specific tokens with dynamic data (cryptograms)

###### Reliable {#reliable}

Reduces the risk of fraud in case of a data breach, as you no longer need to store Account PANs on-file

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

Uninterrupted token management for the potential to increase approval rates and reduce false declines

###### Re-Digitization {#re-digitization}

Consumers do no need to re-add a replaced card

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

MDES offers various services to Merchants to get increased security---and the potential for higher checkout rates---with tokenization. MDES allows a merchant to tokenize Account PANs entered by consumers or existing Account PANs held on file, replacing each PAN with a unique MDES token (subject to issuer participation). These tokens can be used for e‑commerce and in-app transactions in the same way as Account PANs.

![Intro](https://static.developer.mastercard.com/content/mdes/product/intro.png)

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### Use Cases {#use-cases}

###### Tokenization Services for Merchants {#tokenization-services-for-merchants}

Tokenize payment cards for merchants  

[Learn More](https://developer.mastercard.com/mdes-digital-enablement/documentation/use-cases/mdes-for-merchants-use-cases/)

###### Tokenization Services for On-Behalf-Of Merchants {#tokenization-services-for-on-behalf-of-merchants}

Tokenize payment cards on behalf of merchants  

[Learn More](https://developer.mastercard.com/mdes-digital-enablement/documentation/use-cases/mdes-for-merchants-on-behalf-of-model-use-cases/)

###### Push Provisioning with MDES Token Connect {#push-provisioning-with-mdes-token-connect}

Store credentials with merchants for recurring payments and card-on-file scenarios  

[Learn More](https://developer.mastercard.com/mdes-digital-enablement/documentation/use-cases/push-provisioning-merchant-use-case/)

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### Our Services {#our-services}

MDES offers various services to Merchants to get increased security---and the potential for higher checkout rates---with tokenization

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MDES Digital Enablement

Tokenize PANs with MDES tokens to ensure each transaction is protected

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**Used
By** Merchants **Regions** Global **Supports** ![mastercard card](https://developer.mastercard.com/img/card_mastercard.svg)![maestro card](https://developer.mastercard.com/img/card_maestro.svg) Token Requestor Identifier

Automate the on-boarding of Token Requestors to MDES

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**Used
By** On-behalf of Token Requestors, Payment Service Providers **Regions** Global **Supports** ![mastercard card](https://developer.mastercard.com/img/card_mastercard.svg)![maestro card](https://developer.mastercard.com/img/card_maestro.svg) MDES Bulk Tokenization Process

Efficiently tokenize on-file card data in bulk

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**Used
By** Merchants **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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