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As an industry leader in tokenization solutions for online, mobile, card and account-based transactions, the family of Rambus Payment solutions provides comprehensive solutions for banks, financial institutions and retailers alike. From Host Card Emulation (HCE) and OEM Pays, to retail scan and go with real-time loyalty redemption, to tokenization of real-time payments (RTP) and Automated Clearing House (ACH) transactions, Rambus software and services, including technology from Bell ID, secure a wide range of applications for customers worldwide.

Tokenization is a security technology that uses a unique digital identifier, or token, to protect sensitive information like cardholder account details. By replacing sensitive account information with a limited use token, including domain controls for device or channel, tokenization mitigates fraud risk and protects the underlying value of credentials.

Proven in high volume as part of the EMVCo specification for card and mobile NFC payments, Rambus tokenization software solutions have successfully secured over 100 billion transactions worldwide. Tokenization can be applied to a broad range of applications to enhance the confidentiality and privacy of data and digital assets including account-to-account payments, e-commerce, personal and device identity, medical records, ticketing and blockchain.


  • Improved Time-to-Market :
    • Reduce implementation time with a unified platform to connect to OEM Pay as well as bank and retail mobile wallets
    • Utilize HCE technology to quickly bring mobile payments solutions to market
  • Enhanced User Experience :
    • Retain branding and drive digital engagement with bank and retail mobile wallets
    • Increase customer adoption with support for major mobile payment platform
  • Superior Security :
    • Utilizes tokenization to minimize unauthorized use of cardholder or account data
    • Can provide layered security with cryptograms, domain controls and tokenization
  • Reduced Cost :
    • Integrates with existing infrastructure and processes
    • Support closed-loop payments to reduce transaction fees


  • Mobile Payments : Provision and manage tokens for NFC mobile payments, Host Card Emulation and integration with OEM wallets
  • Account Tokenization : Protect sensitive account credentials for Real-time Payments and direct debit (ACH) transactions
  • Retail & E-Commerce Payments : Secure unified buying experience both in-store and online with scan-and-go, integrated merchant wallets, mixed payment solutions and EMV network tokenization for e-commerce
  • Blockchain Tokenization : Secure transaction and storage of crypto assets on blockchain using bank-grade, field-proven tokenization and encryption technologies








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