"Cardholder Benefits"

26 articles found

Illustration of the Starbucks closed-loop ecosystem connecting the app, prepaid balance, rewards program and customer data

Closed-Loop Payments

Is Starbucks Selling Coffee, or Building an Ecosystem? | Closed-Loop Payments #4

Is Starbucks really selling coffee, or building an ecosystem? Prepaid balances, a loyalty program and customer data turn a coffee chain's payments into a closed-loop economy, a very different model from Istanbulkart.

September 22, 2026

Diagram illustrating the tokenization and detokenization process for card payments

HCE

What Are Tokenization and Detokenization?

Tokenization generates secure data from a credit card number, using specific algorithms, for use during authorization. In CNP transactions, it removes the risk of storing or compromising the original card number.

November 14, 2018