Vinted had been using payment tokenization technology for some time already. To increase flexibility in payment processing, Vinted was interested in centralizing their payment tokens across all their integrated processors while maintaining their direct integrations with those PSPs. Essentially, they were looking for a PSP-agnostic payment token that could function across all of their PSP integrations.

Maintaining PCI-DSS compliance, the international standards issued by the Payment Card Industry Security Standards Council, can be a burden for merchants and occupy a lot of their resources. Thus, seeking to continue fulfilling PCI-DSS requirements, Vinted identified this opportunity to streamline payment routing with different PSPs, aiming for a smooth, efficient, and successful transaction process.

When Vinted partnered with Payrails, they received a customized solution to their specific tokenization challenges. Payrails developed a tailored plan involving the implementation of a Payrails’ agnostic token vault, large-scale token migration, and a unified API and UI for token management and advanced BIN identification.

Agnostic token vault

Vinted integrated Payrails’ PSP-agnostic token vault. These token types aren’t tied to one specific payment processor, meaning that they can be used across multiple processors without locking in Vinted with one single or a handful of service providers. Payrails issues the agnostic token which can then be sent in proxy payment requests to individual payment processors. The Payrails token vault is Level 1 PCI-DSS 4.0 compliant, helping Vinted to protect customer data and to maintain the highest standard of data security without any additional work on their end.

Token migration

In order to transition to a fully PSP-agnostic token system, Payrails supports the Vinted team in their large-scale token migration process. Working closely with their internal payments and engineering teams and actively collaborating with processors, Payrails smoothly migrated all of Vinted’s existing tokens from all of their integrated PSPs into the Payrails token vault, without loss of business continuity and without friction for Vinted’s members.

API and UI for token management

Payrails’ tokenization simplifies the payment process for Vinted by allowing them to manage various payment instruments without dealing directly with their customers’ sensitive payment information. Vinted can effectively manage and maintain their tokens on the Payrails platform via an API and an intuitive user interface, introducing both ease and increased security.

Thanks to Payrails’ advanced tokenization solution, Vinted was able to gain newfound flexibility and freedom with their integrations.

100% processor independence

Vinted gained complete independence in terms of their token storage, taking full control of their payment tokens and expanding their functionality to multiple PSPs.

Commercial and technical flexibility

Vinted can now easily add new PSPs without complex token migrations and have received access to both agnostic and PSP tokens through a unified integration.

Enriched BIN data

Leveraging Payrails’ BIN database, Vinted can optimize their payment acceptance by deciding which provider should process each payment based on details about the card network, card type, issuer, country, etc. This database is continuously updated and improved, and learns from the market updates, to get accurate results every time.