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Tokenization as a Service (TKS SaaS)

Protect Sensitive and Personal Data — Even If You’re Breached

Modern organizations store and process vast amounts of sensitive information across payment systems, digital platforms, and enterprise applications. Payment card numbers, IBANs, customer identifiers, and personal data represent significant financial, regulatory, and reputational risk if exposed.
Traditional cybersecurity focuses on preventing intrusions. However, once attackers gain access to raw sensitive data, that information becomes the true vulnerability.

Tokenization removes that risk.
TANGO TKS SaaS from Lusis Payments is an enterprise-grade tokenization platform that replaces sensitive data with secure tokens that have no exploitable value. Sensitive values are encrypted in transit, tokenized within a protected service boundary, and stored securely in a token vault.
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Internal systems interact only with tokens rather than live data, allowing organizations to protect sensitive information while maintaining operational continuity and performance.
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Why Tokenization Matters


Organizations across financial services, SaaS platforms, healthcare providers, and large enterprises face increasing pressure to protect sensitive data while meeting regulatory requirements.

Exposure of raw data can lead to regulatory penalties, audit failures, operational disruption, ransomware extortion, and long-term loss of customer trust.

Tokenization helps address these risks by removing sensitive data from internal systems and replacing it with secure tokens.
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With TKS SaaS, organizations can:
  • Eliminate the risk associated with storing raw sensitive data
  • Reduce regulatory exposure and compliance scope
  • Strengthen resilience against ransomware and data breaches
  • Protect customer trust and brand reputation
  • Implement modern data protection without redesigning core infrastructure

​Security is no longer only about preventing breaches. It is about ensuring that compromised data has no operational or commercial value.

How TKS SaaS Works


​Sensitive data is transmitted securely to the platform using encrypted HTTPS (TLS) connections. Once received within the protected service boundary, the platform validates and tokenizes the data before storing it in a secure token vault.

Applications and internal systems operate using tokens instead of raw sensitive values. For example, customer service platforms, fraud monitoring systems, analytics tools, and reporting engines can reference tokenized data without exposing payment card numbers, IBANs, or personal identifiers.

Controlled de-tokenization is strictly governed and permitted only for authorized operational processes such as settlement, dispute management, regulatory reporting, or other approved workflows. All token usage and de-tokenization requests are authenticated, authorized, and auditable to ensure strict governance and operational oversight.

Tokenization Workflow

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Enterprise-Grade Architecture


TKS SaaS is engineered for high-performance environments where security and availability are mission critical. The platform runs on modern cloud infrastructure built on Kubernetes environments with managed database services. This architecture supports high-throughput tokenization processing while maintaining the responsiveness required by enterprise applications. 

Security controls are embedded across the full token lifecycle, including authentication, key management, token issuance, retention policies, and controlled de-tokenization. Key platform capabilities include:
  • Secure HTTPS-based APIs
  • OAuth2 / OIDC authentication with JWT access tokens
  • Logical multi-tenant separation
  • Dedicated cryptographic keys per tenant
  • DDoS protection and rate limiting
  • Scalable cloud-native infrastructure

​The result is a resilient protection layer that integrates seamlessly with demanding enterprise environments.

Flexible Deployment Options


​Organizations operate under different regulatory, operational, and governance requirements. TKS SaaS supports multiple deployment models to meet these needs.

Available deployment options include:
Fully Managed SaaS
A cloud-hosted tokenization service managed by Lusis.
Private Cloud
Dedicated infrastructure providing enhanced governance and isolation.
On-Premise Deployment
Installation within institutional infrastructure, including HP NonStop environments.
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For institutions with specific governance mandates, cryptographic key ownership and management can remain under direct organizational control.

Powerd by the TANGO Platform


TKS SaaS extends the performance DNA of TANGO, the mission-critical transaction processing platform developed by Lusis Payments and trusted by financial institutions worldwide.

TANGO delivers high-throughput processing, 24×7 availability, and microservices-based scalability within highly regulated financial ecosystems. TKS SaaS brings that same resilience and reliability to enterprise data protection, allowing organizations to secure sensitive data without compromising performance.

Use Cases Across Industries


​Originally engineered for high-volume PCI-regulated financial institutions, TKS SaaS now protects sensitive data across a wide range of industries and digital platforms.
​

Financial Institutions and Payment Processors
Tokenize payment card numbers and protect cardholder data throughout transaction lifecycles.

Fintech Platforms
Integrate enterprise-grade data protection without building complex tokenization infrastructure.

SaaS and Technology Platforms
Tokenize customer identifiers and personal data to reduce regulatory risk.

E-commerce and Marketplace Platforms
Secure payment and customer data while maintaining seamless digital experiences.

Healthcare and Healthtech Organizations
Protect sensitive personal information and reduce ransomware exposure.

Enterprises with Legacy Systems
Strengthen data protection without rewriting existing infrastructure.


​TKS SaaS is particularly well suited for:
  • Banks and payment processors
  • Fintech and consumer finance platforms
  • Startups and high-growth companies seeking faster time to market while reducing PCI scope
  • B2B and B2C SaaS providers
  • E-commerce and marketplace platforms
  • Healthcare organizations
  • Large enterprises operating under regulatory oversight

Frequently Asked Questions About Tokenization


​What is tokenization in payments?
Tokenization replaces sensitive data such as payment card numbers with randomly generated tokens that have no exploitable value outside the secure tokenization platform.

How does tokenization reduce PCI DSS scope?
Because systems store tokens instead of raw payment data, the number of systems that fall within PCI scope can be significantly reduced.

Can tokenization be deployed in the cloud?
Yes. TKS SaaS supports cloud-hosted SaaS deployments, private cloud environments, and on-premise installations.
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What types of data can be tokenized?
Payment card numbers, IBANs, customer identifiers, personal data, and other forms of sensitive enterprise information.

Speak With a Tokenization Specialist

Every organization’s data protection requirements are different. The right tokenization strategy depends on how sensitive information flows across systems, applications, and payment environments.

Our consultants work with banks, fintech platforms, SaaS providers, and enterprises to evaluate whether tokenization is the right approach and how it can be implemented efficiently within existing infrastructure.

Complete the form to connect with a Lusis tokenization specialist.

After submitting the form, you will receive the TKS Tokenization Solution Brief, which provides a deeper overview of the platform architecture, deployment options, and integration capabilities.

Request the TKS Tokenization Solution Brief
    Submit the form to learn how tokenization can strengthen data protection, reduce compliance exposure, and secure sensitive payment and personal information across your organization.
    You will receive the TKS Tokenization Solution Brief after submission.
    ​
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LUSIS LITERATURE

PRIVACY POLICY

​LUSIS EVENTS
LUSIS NEWS
- Modernizing ACH Without the Disruption
-Enterprise Tokenization: Why Leading Organizations Are Rethinking Data Protection​

-Reflecting on 2025: Growth, Innovation, and Global Success
-Mission Critical
​-Navigating the Future of Payments: How Lusis Payments Empowers Innovation in 2025
- Lusis Payments Welcomes Mark Schermann as Global Head of Sales
- Transforming the Payments Industry with Tango V8
-Lusis Payments' TANGO: Leading the Way into 2025
-Season's Greetings from Lusis Payments
-Revolutionizing Currency Conversion: Lusis Payments' Dynamic Currency Conversion (DCC) Solution
-Navigating the Future of Payments: 
Mastercard and Lusis Payments Forge a New Path

-Revolutionizing Banking Operations: The Unmatched Appeal of Lusis Payments' TANGO Platform
-Redefining ATM Management: Introducing Lusis Payments ATM Software Powered by TANGO
-Fraud Prevention Technology on the HPE NonStop Platform
-Celebrating Success and Wishing You a Merry Christmas and Prosperous New Year!
- Transforming Banking Landscapes: The Rise of White Label ATMs
-Using HPE NonStop SQL/MX in Modern Computing
- Sopra Banking Software and Lusis Payments Join Forces 
- Mastercard broadens availability of its services with Lusis Payments Partnership
- Creating Enhanced Payments Agility
- Happy New Year! 2022 Highlights
- Banking on the Cloud
- Enriching the Branch Experience
- NEW: TANGO V8.1 with Cloud-Native Support
- A Reflection on Payments Fraud - 2022 and Beyond
- Is a revolution in consumer-centric payments inevitable?
- Changing the Payment Card Monopoly: What Does it Take?
- Is Russian software trustworthy?
- A Lusis Payments Reflection on 2021 ​
- Payments Q & A with Dave Smith
- Can financial services institutions rise to the challenge of FinTech?
- Infrastructure Decision Making - Five Key Principles
​- Preparing Your Payments Infrastructure for the Next Decade: A Guide for Financial Services Institutions
- Play to Win with TANGO for Retail Payments
- TANGO: Fast-Track to Cloud Payments
- Next Generation ATM Services
- Leading ATM Processor Chooses TANGO
- A new TANGO Benchmark on NonStop
​- Why Companies are choosing TANGO to replace their Legacy Systems
​
- HPE GreenLake for Financial Payment Systems in Partnership with Lusis Payments​
- Leading Global Bank relies on TANGO for superior agility & impressive cost savings
​- Bayesian and Dempster-Shafer models for combining multiple sources of evidence in a fraud detection
- HPE NonStop for Lusis TANGO
- Cover story in "The Connection" magazine
   Tango V8 – An Implementation of Micro services 

- Fighting Fraud with the Latest Technologies TANGO AIF
- Lusis Payments Announces N American Support Center
- Research Chair: AI Applied to the Detection of Payment Fraud and Trading

- Lusis named Best Electronic Payment Systems
- Article:  A SME in the Big Leagues

​- ​TANGO 10K TPS in the Cloud
- Lusis Makes Strides to Revolutionize Payments Technology
- Lusis Leverages the Power of Artificial Intelligence
​- New Security Requirements for ATM and POS Introduced by PCI-PIN V3PIN V3: TR34 - TR31
​- TANGO - Stress Test on  HPE NonStop L-Series

- A Comparison of Machine Learning Techniques for Fraud Detection
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Lusis Payments, Lusis,  and TANGO  are trademarks or registered trademarks of Lusis SA. Other parties’ trademarks referenced are the property of their respective owners.
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