Card issuer token vault market seen nearly doubling by 2030

By AI, Created 1:40 PM UTC, May 25, 2026, /AGP/ – The card issuer token vault market is projected to rise from $3.85 billion in 2025 to $4.63 billion in 2026, then nearly double again to $9.76 billion by 2030, according to The Business Research Company. Growth is being driven by digital payments, cybersecurity concerns and cloud adoption as issuers move to secure token-based payment systems.

Why it matters: - Card issuer token vaults sit at the center of digital payments security by replacing card numbers with tokens during transactions. - The market is growing as banks, payment networks and merchants push for faster payments with less fraud risk. - The report projects the market will reach $9.76 billion by 2030, signaling sustained demand for tokenization infrastructure.

What happened: - The Business Research Company released its Card Issuer Token Vault Market Report 2026 on May 25, 2026. - The report estimates the market will grow from $3.85 billion in 2025 to $4.63 billion in 2026, a 20.2% CAGR. - The report forecasts continued growth to $9.76 billion by 2030, at a 20.5% CAGR. - North America held the largest market share in 2025. - Asia-Pacific is expected to post the fastest growth during the forecast period.

The details: - Card issuer token vaults store payment card credentials as tokens instead of actual card numbers. - The approach is designed to reduce fraud and protect sensitive card information during transactions. - The systems support tokenization, secure storage and interoperability with digital wallets, e-commerce platforms and payment networks. - The report links market growth to higher e-commerce volume, broader digital payment adoption, tighter payment security rules and expanding online banking infrastructure. - Future growth drivers include wider tokenization use in payment systems, cloud-based security tools, embedded finance, open banking and AI-powered fraud detection. - Key trends include real-time payment tokenization, deeper integration with mobile wallets, improved fraud risk analytics, API-driven payment connectivity and stronger PCI DSS compliance. - Digital payment growth is a core market driver as mobile wallets, contactless cards, online banking and payment gateways replace cash-based transactions. - The European Central Bank reported a 16% rise in contactless card payments in Germany in the second half of 2023, reaching 23.2 billion transactions. - Rising cybersecurity concerns are also supporting demand for token vaults because tokenization limits exposure of card data. - The Australian Signals Directorate reported a 16% increase in calls to the Australian Cyber Security Hotline in fiscal 2024–25, totaling more than 42,500 calls. - Cloud adoption is accelerating token vault deployment because cloud platforms offer centralized, scalable and flexible storage for tokenized payment data. - AAG IT Services said that by 2023, small and medium-sized businesses had about 63% of workloads and 62% of data hosted on public clouds, up from 57% and 56% the previous year. - The report covers Asia-Pacific, South East Asia, Western Europe, Eastern Europe, North America, South America, the Middle East and Africa. - The report includes market attractiveness scoring, TAM analysis, company scoring matrix graphics, Excel forecasting dashboards, market hotspots infographics and updated graphics and tables.

Between the lines: - The market outlook points to tokenization shifting from a niche security layer to a mainstream payment infrastructure requirement. - The mix of cloud adoption, real-time payments and fraud analytics suggests vendors are competing on both security and integration capabilities. - Regional leadership is likely to shift over time as digital payment adoption accelerates in Asia-Pacific.

What’s next: - The market is expected to keep expanding as issuers add tokenization to more payment flows and digital wallets. - Cloud-based token vaults and AI-enabled fraud tools are likely to gain more traction as payment ecosystems become more connected. - The report directs readers to a free sample request and the full market report.