Payment tokenization use in e-commerce 2024| ��ƽ��

Share of e-commerce merchants who employ tokenization - for example, through a payment gateway or a merchant acquirer - as a security measure in payment management worldwide in 2024

Characteristic	One or both types	Network tokens	Gateway tokens	None	Do not know or prefer not to say
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Release date

March 2025

More information

Region

Worldwide

Survey time period

October to November 2024

Number of respondents

562 merchants involved in e-commerce payment and fraud management*

Special properties

Payment professionals, active at e-commerce merchants. See the "Details" tab for more information.

Method of interview

Online survey

Supplementary notes

All figures are trimmed averages.

The survey was held in 38 countries, with 45 percent of respondents coming from North America. The source does not provide a full list of countries, although it does state that Africa and the Middle East were excluded.

The source states that the respondents came from different categories of e-commerce. For example, roughly 30 percent of respondents were active in retail or physical goods. An additional 20 percent and 11 percent came from B2B and professional services, respectively.

Citation formats

Although *** out of 10 e-commerce merchants stated they used a form of payment tokenization as a means of cybersecurity, overall use declined. This is according to a survey held in late 2024 among payment management professionals working at e-commerce merchants worldwide. Payment tokenization refers to the replacement of sensitive information - such as credit card information - by a randomized digit code, typically 16 digits. This service can be provided through an intermediary - such as a payment gateway, like Adyen or Stripe, or a merchant acquirer, like a bank - or directly through the card networks from Visa or Mastercard. It should not be confused with the tokenization of real-world assets. This involves blockchain technology, although card networks like Visa and Mastercard are actively exploring such options.