Fund-on-File Tokens for B2B Payments

Safely vault payment information at Paystand so you can recharge customers securely without storing sensitive data yourself.

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What Are Fund-on-File Tokens?

Paystand replaces sensitive payment data with a secure, encrypted Fund-on-File token. This token lets your team authorize, charge, and reuse a customer’s payment method—without ever viewing the actual card or bank details.

It’s ideal for reducing manual work, enabling follow-up charges, supporting scheduled or recurring payments, and increasing AR efficiency—all while eliminating the need to directly handle card information on file.

Key Benefits of Fund-on-File

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Enhanced Security

Tokenized payment data stored in a PCI DSS–compliant encrypted vault.

Faster Repeat Payments

Customers can pay with a single click—no re-entering payment details.

Recurring Billing Ready

Charge customers automatically on any frequency or billing schedule—perfect for subscription billing scenarios.

PCI Compliant Secure Payment Rail Systems

Multiple Payment Methods

Store credit card, eCheck, and ACH debit payment details securely for future use.

Flexible Usage

Use tokens across invoices, portals, virtual terminals, and API workflows.

Reduce Payment Processing Costs by Over 50% bluegreen icon

Lower Operational Costs

Reduce failed payments, manual follow-ups, and processing friction.

Secure and Compliant by Design

Paystand manages the entire security and compliance layer for Fund-on-File storage, including tokenization, encryption, and PCI DSS standards. Your system never touches or stores sensitive card or bank data, including bank debit payments, which are protected through vaulting and encryption. We also manage AML, fraud screening, bank-level KYC underwriting, and monitoring requirements—so your finance team can operate with confidence and lower risk.

Streamlined Payments for Customers and Teams

Fund-on-File tokens improve checkout experiences by letting customers enter their information once and pay instantly in the future—ideal for card on file payments.
For finance teams, tokens support automatic cash application, smoother recurring billing, and faster invoice closure—all without increasing security scope or handling sensitive data, simplifying and reducing the need to re-enter customer card information.

Frequently Asked Questions

1. What is a Fund-on-File token in B2B payments?

A Fund-on-File token is a secure, non-sensitive reference ID created through tokenization. It allows you to charge customer payment methods without storing or accessing their sensitive information.

2. How does Paystand keep stored payment information secure?

Paystand tokenizes all payment data and stores it in a PCI DSS–compliant, encrypted vault. Real payment details never touch your system, reducing risk and compliance scope.

3. Can Fund-on-File tokens be used for recurring or scheduled payments?

Yes. Tokens make recurring billing simple, letting you automate charges based on any schedule or payment terms.

4. What payment methods can be tokenized?

ACH, eCheck, and credit card payment methods can all be stored as tokens for future use, including direct debit payments.

5. How do Fund-on-File tokens improve customer experience?

Customers only enter their payment information once. Future payments are one-click, faster, and more consistent with less friction or failed transactions.