In this digital era, electronic payments, credit card payments, Google-pay have significant influence as compared to other traditional payment methods. Not only they help offer payment guarantee in ( example making a B2C sale to a relatively new customer), but they also offer fast payment processing for B2B customers. Due to this, increasing number of customers are looking at enabling credit card processing within SAP specially in this troubled times.

However this functionality comes with a caution as we are dealing with sensitive data. In this article, we can learn how the we can leverage tokenization and safeguard sensitive information. If you are new to what tokenization means, it is essentially replace the sensitive information leveraging services of an external third party provider. This is essential if you want to remain PCI compliant.

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Read about Accounting differences between a credit card normal order within SAP

Importance of credit card tokenization:

Recently Capital One had a breach of sensitive customer data. The breach caused the bank an estimated loss of $150 million. Similar to this Equifax had losses to the tune of $650 million arising out of leakage of sensitive information over the web.

Hence in order to safeguard the information regarding credit cards information, organization must remain vigilant.  So, in order to terminate these kinds of issues, the companies should take few preventive measures. Similarly, if they are not PCI Compliance they end up by paying huge fines.

Walkthrough of credit card tokenization in SAP

In the below screenshots, we will demonstrate how credit card information can be encrypted within SAP. For this we will create an order in the application. Though we will provide the normal credit card number, SAP will tokenize the same using services of external third party service. For this example we will be leveraging Chase Orbital integration with SAP for credit card encryption.

To create an order in SAP ECC, enter transaction code VA01.

Creating an order in SAP ECC using transaction code

  • Enter all the required details and navigate to payment cards to enter the credit card details. For showcasing this we will use a test VISA card number.

Navigating to payment cards and enter required details

  • In payment cards, provide all the card details such as cardholder name, CVV, card type, card number and valid to and save the order.
  • Now, In order to safeguard the card details, sap which has an inbuilt function will tokenize the actual credit card number with the tokenized card number.

Tokenize the actual credit card number in SAP ECC

  • In, the above screenshot the actual credit card number is replaced by the tokenized number in payment cards field.

In this way, we can secure the sensitive information of the credit card. We sincerely hope that this was useful and any comment or feedback will be very helpful. The credit card can also be stored for processing transactions in the future for the same customer.


More information on credit card tokenization:

Credit card tokenization is one the most secure way for not letting the sensitive information. It is the process to safeguard the data by replacing the sensitive information by non-sensitive or random and unique number. The influence of credit card tokenization has increased due to digital payment apps such as Google Pay, Apple Pay, and Phone Pay and so on. Basically, this adds an advanced level of security to credit cards. In this process, the customer’s credit card number is replaced by a third party services. This helps in eliminating the risk of showcasing the information of credit card. It will not cause any damage or loss to information even if  the credit card token is revealed.

PCI Compliance (Payment Card Industry):

PCI Compliance is basically required by the companies’ in order to safeguard and protect the sensitive information of credit cards. It is an utmost requirement for credit companies to make online transactions secure against thefts and attacks.

Payment card industry compliance refers to the technical and operational standards that companies follow to secure and protect credit card data provided by cardholders and transmitted through card processing transactions. PCI standards for compliance are developed and managed by the PCI Security Standards Council. Companies that follow and achieve PCI DSS are considered to be a PCI Compliant. If we are a PCI compliant, we are responsible to follow the guidelines set by the PCI Standard Council. The regulations or requirements that are developed by the council are known as PCI DSS (Payment Card Industry Data Security Standards).

The Payment Card Industry Data Security Standards (PCI DSS) is a set of requirements meant to ensure all the credit card companies that store, process or transmit the credit card information maintain a secured circumstances. This PCI DSS provide six objectives such as:

  • Build and Maintain a Secure Network
  • To Safeguard and Protect Cardholder data
  • Maintain an Information Security Policy
  • Monitoring and testing networks regularly
  • Using strong access control measures
  • Protecting systems against malware

It is better to be a PCI compliant if not; we end up by paying huge fines to loss and cannot assure the security of card holder data.

Secure ways of payment processing:

There are several ways to secure payment processing such as:

  • Tokenization
  • Encryption
  • PCI Compliance

Encryption: Encryption is a process which replaces the sensitive information by unreadable text. Earlier, encryption was in use but all companies were slowly turning towards tokenization due to the cost-effectiveness.


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