Card Vault - 2026 Pricing, Features, Reviews & Alternatives

Card Vault is a cloud-based, PCI DSS v4.0.1 compliant credit card vault and tokenization platform designed for businesses that store customer payment cards for recurring or future charges. It captures, encrypts, and stores card data directly into the vault, returning a processor-agnostic token that merchants use to initiate charges later. Card numbers never enter the merchant's own systems, inbox, or database, removing cardholder data from their PCI scope entirely. No software installation is required; the browser-accessible console and vendor-hosted card entry forms are available immediately, with API access for integration into third-party applications.

Card Vault serves a broad range of industries including hospitality (hotels, resorts, and property managers), health and fitness (gyms and clinics), utilities, insurance, call centers, e-commerce platforms, SaaS platforms, and membership-based organizations. Plans scale from a free tier supporting up to 5 stored cards through enterprise tiers supporting up to 30,000 cards, covering individual operators through multi-property groups. Key features include secure card request links delivered by email or SMS, a customer-facing hosted card entry form (also embeddable via iframe), a virtual terminal for charging vaulted cards, transaction logs for authorizations, captures, and refunds tied to tokens, card verification before billing runs, and vault segmentation with per-segment user access controls.

Card Vault also supports third-party cardholder authorization capture, webhooks for card lifecycle events (expired, updated, removed), multi-gateway routing from a single stored token, white-label form hosting at the Enterprise tier, and a full audit trail for every token operation. PCI DSS v4.0.1 SAQ D attestation is available on request. Processor-agnostic tokenization means switching or adding payment gateways requires no re-collection of card data from customers. Secure card migration is supported when leaving the platform, with no vendor lock-in.