Payment Tokens {#sa-payment-tokens}
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Contact ` Cybersource ` Customer Support to activate your merchant account for the ` Token Management Service ` (` TMS `). You cannot use payment tokens until your account is activated and you have enabled payment tokens for ` Secure Acceptance `. See [Creating a Secure Acceptance Profile](/content/cybsdeveloper2021/amer/en/docs/cybs/en-us/sa/developer/all/sa-checkout/secure-acceptance/sa-payment-configuration/sa-both-intro-create-sa-profile.md "").  
Payment tokens are unique identifiers that replace sensitive payment information and that cannot be mathematically reversed. `Cybersource` securely stores all the card information, replacing it with the payment token. The token is also known as a subscription ID, which you store on your server.  
The payment tokenization solution is compatible with the Visa and Mastercard Account Updater service. Card data stored with `Cybersource` is automatically updated by participating banks, thereby reducing payment failures. See the Account Updater User Guide ([PDF](http://apps.cybersource.com/library/documentation/dev_guides/Account_Updater_UG/Account_Updater.pdf "") \| [HTML](http://apps.cybersource.com/library/documentation/dev_guides/Account_Updater_UG/html/ "")).  
The payment token replaces the card or ACH bank account number, and optionally the associated billing, shipping, and card information. No sensitive card information is stored on your servers, thereby reducing your PCI DSS obligations.