Agnostic Token Vault
Your customers' payment credentials should belong to you — not to your processor. PayColab's independent PCI-DSS Level 1 vault tokenizes cards once and makes them usable across every connected PSP.
PCI-DSS Level 1 Vault
Card data is captured, encrypted, and stored in our certified vault — the highest compliance tier in the industry.
Network Tokenization
Provision Visa and Mastercard network tokens for higher approval rates and automatic credential updates.
Account Updater
Expired or reissued cards are refreshed automatically, keeping subscriptions and stored credentials alive.
Cross-PSP Portability
One token works across every connected gateway. Switch or add PSPs with zero re-tokenization and no customer impact.
AES-256 Everywhere
End-to-end encryption in transit and at rest, with strict key management and access controls.
90% Less PCI Scope
Card data never touches your servers, collapsing your own PCI-DSS audit burden to a short self-assessment.