In order to make digital payments more secure, safe and sound the he Reserve Bank of India (RBI) has now enabled card-on-file tokenisation (CoFT) through card issuing banks and institutions. Tokenisation refers to replacement of actual credit and debit card details with an alternate code called the “token”. It is a combination of card, token requestor and device. The card detail when stored with a merchant is known as card-on-file (CoF). This token is a randomly generated string of characters that has no intrinsic value and is meaningless outside of the context of a specific transaction. The token is used as a surrogate for the actual card details, making it more secure to store and transmit.
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