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As every customer shares their sensitive information online to buy a product or service, their data is a potential target, and if accessed, it can lead to card fraud. For all types of financial frauds targeting customers, online transactions account for the largest share of that loss. 

Confidential information and payments-related data are always at risk, so it’s not about analysing the risk, but how well it’s protected is the more important question. 

One of the steps for protection is card tokenisation; let’s see how it’s an effective tool in the digital payment security system. 

What is Card Tokenisation?

Card Tokenization is the process of replacing sensitive card data, like the 16-digit card number, expiry date, the CVV code and other hidden information, with a randomly generated string of characters called a token. 

More importantly, this token has no connection to the original data, and it’s meaningless. Even if someone were to access this data, they cannot do anything, as the tokenised numbers cannot be traced back to the original numbers. 

How Tokenisation Works in an Online Transaction?

Behind the scenes, when anyone enters sensitive information on a website while purchasing products, this is what happens when the digital payment security system has card tokenization. 

1. Customer enters card details on the payments page. 
2. Card data is sent to the payment processor or into the tokenisation value. This data is not stored on the merchant’s server. 
3. Once added to the vault, a unique token is generated, and this new token is sent back to the merchant. 
4. The merchant stores the token and does not read or save the card numbers and uses the token for future reference. 
5. When the transaction is processed, the token is sent to the payment network, which is then mapped to the real card number within the secure vault to complete the payment. 

In this entire process, the merchant will never see the card information and details as they are secured by the payment provider. 

How Tokenisation Strengthens the Digital Payment Security?

1. Tokenisation Limits the Attack Surface: As merchants can never get hold of the data, breaching or accessing the merchant network will yield nothing to the attackers.
   
2. Prevents Card Reuse: Even if the attackers manage to intercept the token during transmission, they cannot use card information, as which token numbers are associated with which cards isn’t possible to know.
   
3. Reduces Insider Threat Risk: Employees or internal systems that access transaction records only see tokens, not any sort of card information or other data. It’s protected even from internal systems and employees.
   
4. Simplifies Compliance: Because tokenised systems do not store cardholder data, merchants face a lighter PCI DSS audit scope, which reduces both cost and risk.

Tokenisation and Encryption, What’s the Difference?

Encryption and tokenisation are not the same and vary in terms of format, data recovery, etc. 

• In encryption, the card data is converted into an unreadable format using a key, called a decryption key. Using this key, the original data can be recovered, compromising the information. So if the key is exposed, data can be accessed.
  
• Tokenisation replaces the data with a random value, which has no relevance. It does not have any algorithm or key that can be reverse-engineered to reveal which tokens are associated with this card information. Hence, this is a stronger option for merchants looking to secure customer data. 

Conclusion

Card tokenisation isn’t just an added security layer; it’s a complete system that eliminates the sensitive card or other financial information you often share during online transactions. 

The digital payment security it provides ensures sensitive information never reaches the merchant systems, as tokenisation breaks the entire model on which most payment fraud depends. 

So for business payment systems, tokenisation lowers compliance overhead and the possibility of a breach. For customers, it ensures their sensitive information is never revealed and it stays safe. In a payments landscape where breaches are inevitable, tokenisation makes sure that what gets stolen is worthless.

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The Vivo Y400 Pro 5G is now available in India at a reduced price. Amidst the rising prices of smartphones, buyers are receiving better value for their money. This smartphone was launched in the Indian market in the year 2025.

Under a limited-time offer, all its variants are available with a price cut of Rs 2,000.

Updated Price After Discount

This smartphone is available in two storage variants, both featuring 8GB of RAM:

128GB Variant: Now priced at Rs 23,999 (Previously Rs 25,999)
256GB Variant: Now priced at Rs 25,999 (Previously Rs 27,999)

This discount can be availed through select bank offers on platforms like Amazon, as well as on Vivo’s official website. However to take advantage of this offer, buyers must complete the transaction via EMI using their eligible credit cards.

Display and Design

The Vivo Y400 Pro 5G features a 6.77-inch Full HD+ AMOLED display with a 120Hz refresh rate. This ensures incredibly smooth scrolling and delivers a superb viewing experience. Furthermore, the device boasts a dual 3D curved design and offers a peak brightness of up to 4500 nits.

This phone also features an IP65 rating for dust and water resistance and it boasts a slim profile.

Performance and Software

This device is powered by the MediaTek Dimensity 7300 processor. Built on a 4nm architecture, it delivers efficient and stable performance for everyday tasks and multitasking.

It features 8GB of RAM along with virtual RAM expansion capabilities, which further enhances performance. This smartphone runs on the Android-based Funtouch OS 14 and utilizes UFS 3.1 storage for rapid data access.

Camera Features

For photography, this phone features a dual rear camera setup:

• A 50-megapixel primary sensor
• A 2-megapixel bokeh lens

On the front, it houses a 32-megapixel selfie camera, designed to capture clear photos and facilitate high-quality video calls.

Battery and Charging

The Vivo Y400 Pro 5G is equipped with a 5,500mAh battery, which is claimed to offer long-lasting performance on a single charge. It supports 90W fast charging, allowing the device to recharge rapidly.

The device also includes battery health optimization features, aimed at maintaining the phone’s performance over the long term.

Final Verdict

With a price cut of Rs 2,000, the Vivo Y400 Pro 5G has become an even more attractive option within the mid-range segment. Its combination of a curved AMOLED display, powerful processor, robust battery and fast charging capabilities makes it an excellent choice for users seeking a balanced smartphone experience.

Also Read: Samsung Galaxy Z Fold 7 Receives Rs 10,000 Price Cut on Flipkart, Along with Additional Offers

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If you are tired of sluggish smartphones and are looking for an affordable option that delivers strong performance Motorola offers some excellent choices priced under Rs 15,000.

These phones feature ample RAM, powerful processors and long-lasting batteries, making them perfect for everyday use.

A look at some of the best Motorola smartphones in this price segment:

Motorola G35 5G: Price and Features

The Motorola G35 5G is an excellent option for users seeking a well-balanced device. Its variant featuring 4GB of RAM and 128GB of storage, is available on Flipkart for approximately Rs 11,999.

This smartphone features a large 6.7-inch HD+ display with a 120Hz refresh rate. This display offers a smooth scrolling and viewing experience. As for the cameras the phone sports a dual rear setup.

This setup includes a 50-megapixel primary camera and an 8-megapixel secondary lens. Additionally for selfies and video calls, it is equipped with a 16-megapixel front camera.

This device offers up to 12GB of RAM (including virtual expansion). As for the 5000mAh battery featured in this smartphone it comes with support for 20W fast charging. Consequently you can use it for extended periods and recharge it quickly.

Motorola G57 Power 5G: Price and Highlights

The Motorola G57 Power 5G is another strong contender in this segment. It is priced at approximately Rs 14,999 on Flipkart.

This smartphone features a 6.7-inch display. It is powered by a MediaTek Dimensity series processor, ensuring smooth performance. It includes a 50-megapixel primary camera and an 8-megapixel ultra-wide lens allowing users to capture high-quality photos even in low-light conditions.

The rear camera supports video recording at up to 2K resolution. On the front there is an 8MP camera. This phone also features an IP64 rating and MIL-STD-810H certification. This makes it durable against dust, water splashes and even challenging conditions.

One of its most significant highlights is its massive 7000mAh battery. This guarantees extended usage without the need for frequent recharging.

Motorola G06 Power: Price and Features

For those on a tight budget the Motorola G06 Power is available for approximately Rs 8,999.

It features a 6.5-inch LCD display that supports smooth scrolling. This phone comes equipped with a robust 7000mAh battery and supports 18W fast charging.

In terms of cameras it boasts a 50-megapixel AI camera system designed to deliver excellent photography within the budget segment. The device is powered by the MediaTek Helio G81 Extreme processor.

The phone features a vegan leather finish and IP64 dust and splash resistance, which further enhances its overall appeal.

Motorola continues to offer reliable smartphones in the budget segment, placing a strong emphasis on battery life, a clean software experience and robust build quality.

Whether you require 5G connectivity, a large display, or a long-lasting battery, these options priced under Rs 15,000 offer great value without compromising on essential features.

Also Read: Massive Price Drop on iPhone 16 Pro: With Exchange and Bank Offers