Simplify Vaulting-as-a-Service with Worldpay

Businesses today face a landscape of increasing complexity when it comes to managing their credentials.

Finding the right partner is as important as finding the right solution for the tech stack. The right partner not only gets businesses the right solutions, they enable businesses to grow at the pace they want, scale in new geographies with products that are regulatory compliant and have regional partners.

Credentials are at the heart of any business; be it payfacs, SMBs or all the way to enterprise. Having the right credential solution is crucial to get better approval rates and in return affects the revenue potential. It also enables businesses to provide a better experience for their customers and reduce cart abandonment in the e-com space.

With digital transactions hitting an all-time high and regulations becoming more complex, the need to manage credentials in the most efficient form cannot be understated. Worldpay's Vaulting-as-a-Service was designed to target this need.

What is Vaulting-as-a-Service?

Vaulting-as-a-Service is a secure, agnostic and centralised solution for payment credentials with a single-in, single-out connection to simplify credential and vault management.

It's decoupled from payments acquiring yet enables businesses to leverage its advanced API and expert compliance design, to securely capture, store, update, retrieve and forward sensitive data with complete freedom and flexibility.

Our partners are increasingly becoming more digital and their needs in the digital space are evolving to a point where PAN is not the only form of credential. With the advent of network tokens and DPANs, our vaults are ready to support that along with Personal Identifiable Information (PII). These credentials are increasingly becoming an indispensable part of payments, and our Vaulting-as-a-Service is at the heart of this evolving landscape.

Our partners identify the following as game changers for their businesses:

• Securely create, store, update, retrieve and forward payment credentials using single-in.
• Eliminate PCI exposure at capture and when sharing or using sensitive information.
• Work with third-party token vaults with ease and integrate Worldpay vaults with any endpoint for payments or non-payments.

Pain points faced by merchants (and how Worldpay solves them)

Here’s a closer look at how our partners have created opportunities with VaaS.

1. Lack of PCI-compliant vault

For businesses without PCI compliance in place, managing sensitive payment information such as PANs can be a daunting and a risky process. Non-compliance introduces potential vulnerabilities, exposing merchants to fees and regulatory ramifications. PCI audits themselves are expensive and complex. Working with PCI data is necessary but complex and hence businesses find themselves in need.

Solution: Worldpay provides a robust , PCI-compliant vault on an "as a service" basis that allows merchants to securely work with payment data without worrying about compliance risks. By outsourcing sensitive data to a compliant vault, merchants can focus on growing their business while ensuring customer data is protected to the highest standards.

2. Vault lacks interoperability across partners

Even merchants with a PCI-compliant vault often struggle to use them seamlessly across different systems or transmit data securely to their partners with freedom of any PCI exposure. Payment data can be trapped in silos, or multiple proprietary token formats can make cross-platform use challenging and distant from a unified customer view.

Solution: Worldpay’s solution will:

• Swap (token to PAN or between token types), retrieve and transmit payment credentials.
• Operate with a variety of credentials that suits the payment flows and seamlessly share them with multiple acquirers of your choice.

This simplifies workflows, reduces data transfer risks and ensures that the PANs stored in Worldpay’s vault remain accessible wherever merchants need them, and we drop it wherever needed.

3. Complex credential management across multiple vaults

It’s common for merchants to have payment credentials spread across multiple vaults, each utilizing their own systems and formats. Aggregating this data—or achieving a unified customer view—becomes increasingly difficult, especially for advanced merchants managing millions of transactions.

Solution: Worldpay unifies all your credentials by offering a centralised token and credential management system to use across workflows.

• A single vault for all tokens and credentials needs.
• Synchronization between multiple modules like Account Updater, Payment Account Reference (PAR) etc.

This eliminates operational complexity and ensures clear, streamlined payment credentials, empowering merchants with greater agility.

Core benefits of Vaulting-as-a-Service from Worldpay

1. Flexible integration

Merchants benefit from Worldpay’s single-in API approach, enabling integration with multiple existing systems. Whether creating, updating or transmitting credentials, the process is seamless and fast.

2. A variety of credential types

With access to both global and regional card schemes, Worldpay supports a wide range of credential types and formats. This flexibility future-proofs merchants for their growing customer preferences and increased global reach.

3. Simplified compliance

With Worldpay managing PCI compliance and regulatory changes, merchants can say goodbye to the resource-heavy and expensive compliance processes traditionally associated with storing sensitive data. Our services are compliant with local laws in India to create network tokens and Alt-IDs, ensuring you are ready to scale across markets.

4. Scalable and customizable

Worldpay’s Vaulting-as-a-Service is built to grow with businesses. Whether merchants are small or scaling globally, the infrastructure is designed to meet their evolving needs.

5. Enhanced security

Security is not an afterthought—it’s the foundation. Worldpay ensures all credentials are securely stored and transmitted with the highest levels of protection.

Why choose Worldpay?

Here are just some of the advantages of choosing Worldpay’s Vaulting-as-a-Service capability.

Unparalleled expertise

Worldpay leads the industry in payment solutions and compliance best practices, offering merchants peace of mind and world-class support. Our solution addresses edge use cases that other similar solutions simply don’t.

Continuous innovation

From advanced APIs to multi-vault synchronization, Worldpay’s Vaulting-as-a-Service stays ahead of the curve in offering sophisticated capabilities designed for real business needs.

Merchant-centric

Worldpay designed this Vaulting-as-a-Service capability with merchants at its core—not just as a technical solution but as a strategic partner in achieving business goals.

Cost-effective simplicity

By reducing the need for multiple vendors, custom-built integrations and separate PCI compliance efforts, Worldpay’s solution saves time, reduces costs and simplifies operations.

Building a future-proof payment system

For mid-market and enterprise merchants as well as payment facilitators, having a robust token and credential management system isn’t simply about solving today’s challenges—it’s about preparing for tomorrow’s opportunities. Worldpay’s Vaulting-as-a-Service makes payment credential management more secure, simplified and flexible than ever before.

Whether you're looking for a reliable PCI-compliant vault, seamless third-party integration or a unified view of your customers, Vaulting-as-a-Service addresses it all. The result? A payment ecosystem that grows with your business, strengthens security and enhances customer satisfaction.

If you’re ready to enhance your payment infrastructure and address credential complexities head-on, Worldpay’s expert team is here to help. Explore Vaulting-as-a-Service today and take the first step toward secure, streamlined growth.

Connect with a Worldpay specialist for personalized guidance.