Universal Credit Card Fingerprinting

Written by
Ryan Daigle
Publication Date
December 2, 2015
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One of the many benefits of tokenizing credit cards is that you never have to manage, or come in contact with, sensitive card data. This minimizes your PCI compliance scope and gives you more time to focus on what's important to your business. However, this comes at the cost of less visibility making it hard, if not impossible, to know when the same card is being used across multiple transactions. 

Today we're happy to announce the release of our Fingerprinting beta which provides a greater level of visibility into your card data. Fingerprinting assigns a randomly generated identifier to each unique credit card number and exposes this value back in the API. Anytime a card is added you can use this value to determine if you've ever seen the card before. This lets you build such features as loyalty programs, basic fraud detection, and omni-channel recognition - all without increasing the PCI scope of your application or service. Even if the card has been redacted from your Spreedly vault its fingerprint will remain, letting you mine your transaction history for relevant business insight (all cards that are currently retained, or have been added, as of December 2nd have been assigned fingerprints). Additionally, card fingerprints are constructed independently from the gateways you transact against. The fingerprint for a card you use against Stripe will be identical to the same card used against Paypal. 

Spreedly provides a global view into your cards instead of having silos of data isolated within each gateway. These fingerprints are truly universal, allowing for unprecedented flexibility and portability. If you're interested in using card fingerprints, you can do so immediately. Read more about getting fingerprints from the Spreedly API in the docs and let us know if you have any questions at support@spreedly.com.

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