KBC Bank, Ireland’s digital-first bank, has partnered with Mastercard on an initiative to deliver increased security to KBC customers who use their KBC issued debit or credit card when shopping online. KBC is implementing this new service called MDES for Merchants, which is available through the Mastercard Digital Enablement Service (MDES), meaning that KBC customers can now take advantage of the latest convenient and secure digital payments technology with participating online merchants, further limiting their exposure to fraud.

Tokenisation is the process of replacing a card’s primary account number – ‘PAN’, the 16-19 digit number embossed on the front of a plastic card – with a “token”, i.e. a unique alternate card number. When customers use their KBC card online, a token is submitted to the accepting merchant for authorisation, rather than the customer’s own card details. By removing real-card data from online payment systems, the card details of KBC customers will remain protected at all times. Additionally, unlike typical card transactions, digital tokens carry no real value if they become compromised.

This service is now live. There is no requirement for KBC customers to register for the service. Instead, tokenisation will automatically be applied to all KBC debit and credit cards when a KBC customer makes an online purchase with a participating merchant.


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