Do more with PAN: Push provisioning & account updater
Blog post from Basis Theory
A personal account number (PAN) is the card number on a debit or credit card and serves as essential payment data, containing a major industry identifier for the card network, a bank identification number for the issuer, an account identifier, and a final validation digit. During card transactions, merchants collect the PAN through methods such as manual entry, card swipes, contactless payments, or digital wallets, then tokenize it before sending it through payment providers, card networks, and issuing banks for authorization. Because PANs are highly sensitive and subject to PCI-DSS security requirements, merchants commonly use third-party tokenization and payment vault services to store and reuse payment information without directly handling it. Push provisioning can simplify adding cards to digital wallets by allowing issuers to send PAN details directly to approved wallet providers, while card account updater services help merchants obtain replacement card information when stored cards expire or are reissued. Securely maintaining PAN-related data can reduce declined recurring payments and improve checkout convenience, but failures to protect it can create significant data-breach, compliance, and customer-trust risks.
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