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Encryption vs. Tokenization: What Every Fintech and Merchant Needs to Know

As digital payments proliferate, merchants and fintech platforms often face a critical question: How should we protect sensitive cardholder data?
While encryption has traditionally been the default option, it might not be the most secure—or scalable—approach. In this post, we’ll break down the core differences between encryption and tokenization, explain why it matters under PCI-DSS 4.0, and walk through a real-world use case that demonstrates the business impact.

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