Guide
Two technologies keep card data safe in the system: encryption at the device and tokens in place of card numbers.
✓ Installed by our team and supported by phone. Rates and equipment are quoted to your business.
Merchant Fund Express explains payments in plain English so owners can make better decisions about equipment and processing.
Two technologies keep card data safe in the system: encryption at the device and tokens in place of card numbers.
Point-to-point encryption scrambles card data at the moment of the swipe, tap or dip, so it is unreadable all the way to the processor. Tokenization replaces the card number with a stand-in value you can store and reuse without holding the real number.
The result is that your system, your staff and your files never hold usable card data, which shrinks your compliance burden.
Data is scrambled at the device.
A stand-in replaces the real number.
Tokens let you charge again without storing numbers.
Less data in your systems means less to protect.
A gym used to keep member card numbers in a spreadsheet. Moving to card-on-file tokens removes the spreadsheet and the risk, and recurring billing runs without anyone seeing a number.
If a term on your paperwork does not match what is written here, ask for it to be explained in writing. A good provider will happily walk through it, and a free statement review is an easy place to start.
If this is new to you, treat it as a vocabulary lesson, not a decision. The decisions come later, with a statement in front of you and a person who can explain the lines, and the words on this page are enough to follow that conversation.
Most owners only need to understand this once, at the moment a number on a statement or a clause in an agreement stops making sense. Having the idea clear in advance turns a stressful call into a routine one.
If you would rather hear it from us, call (305) 384-8391. We will walk through the decision with you, quote the equipment and processing for your business and look at your statement while we are at it.
Tokenization is also what makes card on file practical. Instead of a number you must guard, you hold a token that works only for your business and only through your gateway, so a theft of the token is far less useful than a theft of the number. Ask how tokens are issued and whether they can be used at other merchants, since that boundary is what protects you.
As explained by Merchant Fund Express. Updated 2026.
Clover is designed to protect card data in transit; your habits still matter.
With authorization, using the secure card-on-file feature.
It reduces the scope of what you must protect.
Use secure habits and complete your annual questionnaire.
Yes. A free statement review shows what you pay today and where a Clover setup would differ, with no obligation to change anything.
No. Our installer sets up the network, devices and menu with you in the room and trains your staff on the real screens, so nobody has to read a manual or call an IT person.
Call Merchant Fund Express. We install it, train your staff and stay on the line after launch. Ask for a free rate review while you are at it.
