Gateway token / PSP token

A gateway token (or PSP token) is a digital identifier issued by a specific payment gateway or payment service provider (PSP) to represent a customer's stored card details. Gateway tokens can only be used within the issuing provider's ecosystem — if a merchant switches PSP or wants to route transactions through a different provider, the tokens cannot be transferred, creating vendor lock-in. Stitch Vault offers a PSP-agnostic alternative: a PCI DSS Level 1 certified vault that issues portable tokens usable across multiple payment providers.