Many software systems and e-commerce shopping carts provide their users the option of storing their customers’ credit card numbers for future use. This ability enables businesses to process their existing customers’ cards without the hassle of requesting credit card information for every purchase that customer wishes to make. Storing credit card data on a merchant’s system, however, introduces tremendous risks – a data breach to a merchant’s system can expose credit card data, and the merchant may be liable for damages that ensue. Additionally, storing credit card information requires a very stringent level of PCI compliance which can be quite a hassle, as well as costly, to the merchant. Tokenization solves all of these problems.