PCI DSS Level 1
The highest level of payment card data security.
VGS vs. OTHER Independent Vaults
Any vault can hold a token. Few can securely handle an enterprise.
VGS is the world's leading independent network token vault, with direct connections to all four card networks, 99.99 reliability, and proven throughput at the scale enterprises actually run. Here's how we compare.
Get StartedHow to Choose a Vault
8B+
Tokens stored
40B+
Annual interactions
0
Security breaches
99.99+%
Availability (four nines)
Built for enterprise scale
Enterprise-grade, end to end
The hard parts of running payments at scale, like direct network access, surviving outages, and migrating millions of cards, are where independent vaults diverge. This is where VGS was built to lead.
Direct connections to all four card networks
The leading independent network token vault, approved for the highest TPS that can be intelligently allocated across customers, with no extra hops, no third-party aggregators between you and the network.
Lowest latency
Highest TPS
eComm Network Tokens
Agentic Tokens
Proven scale & throughput
Highest throughput validated with live customers, with the ability to scale horizontally and vertically on demand, plus a track record handling seasonal spikes for the world's largest merchants.
250K+ RPM
Black Friday peaks
Cloud-native
Global infrastructure & reliability
Four-nines availability, cross-region disaster recovery, in-region active-active, and cell-based isolation so one customer's traffic, DDoS, or database event never becomes everyone's outage.
Multi-region DR
Active-active
Cell-Based Isolation
400+ edge locations
Enterprise features, driven by live customers
Bulk card migrations on file, secure private connectivity (PrivateLink, dedicated static egress IPs), in-depth audit logging and exports, and multiple ways to securely authenticate webhooks.
Bulk card migrations
PrivateLink
Audit logging
Security & infrastructure
Built on compliant, resilient infrastructure
Enterprise buyers evaluate the foundation as closely as the features. Here's what sits under the platform.
Isolated cell-based architecture
Customers run in isolated cells, so a noisy neighbor, DDoS, traffic spike, or database event affecting one customer never cascades to the rest of the platform.
Global data centers
Deployed across multiple regions for low latency and in-region resilience, with cross-region disaster recovery.
SOC 2 Type 2
Independently audited security and availability controls.
Certified ISO 27001
Globally recognized information security management standard.
Visa-certified Service Provider
Listed on the Visa Global Registry of Service Providers.
Mastercard-certified Service Provider
Registered Mastercard service provider.
AWS Well-Architected Framework
Reviewed against AWS best-practice pillars.
The comparison
VGS vs. Other Vaults
The factors that decide whether a vault holds up under real load, mapped side by side.
VGS
Other Vaults
Direct network
connections
connections
Yes, VGS has direct to all four networks, with unique features like eComm Network Tokens and agentic tokens.
No, other vaults do not have direct connections to all four networks. They often go through 3rd parties.
Industry-leading
throughput
throughput
Yes, VGS has monthly swings from a single partner can exceed competitors' aggregate traffic.
No, other vaults typically sit outside the main merchant transaction flow.
Reliability
Yes, VGS has multi-region DR, active-active, cell-based, global deployments.
No, other vault customers often come to VGS for redundancy after costly outages.
Complex migrations
Yes, VGS migrates complex use cases with ease; VGS Compute enables custom logic.
No, other vaults have less experience managing complex, high-volume migrations.
Enterprise
customers
customers
Yes, VGS has global infrastructure and GRC posture built for enterprise scale.
No, other vaults are focused on long-tail and SMB.
Integrated payment
products
products
Yes, VGS has a single Card Management Platform API to access every service.
No, other vaults have independent endpoints; often multiple platforms or third-party APIs.
Team & payments
experience
experience
Yes, VGS has payments experts and patent holders from Visa, Mastercard, Stripe, Square and more.
No, other vaults have small teams, often one or two verticals, with far less payments depth.
Dedicated
support
support
Yes, VGS has a dedicated account manager, solutions architect, project manager; 24/7 across time zones.
No, other vaults have limited full-time support; little dedicated coverage for mid/long-tail.
Before you sign
Questions to ask before you choose a vault
The right vault looks fine in a demo. The wrong one shows up during a migration, a traffic spike, or a regional outage. Ask these, and notice how the answers diverge.
How does a vault reach the card networks for updates and to provision tokens? Is the vault connection direct or through a third party?
Every hop between you and the network adds latency, cost, and a point of failure.
VGS connects directly to all four networks, Visa, Mastercard, American Express, and Discover, with no aggregators in the path.
What happens during a regional outage?
If everyone runs on one stack with no active backup, downtime is shared.
VGS has multi-region disaster recovery and multi-region resiliency specifically to reduce the risk of service and data unavailability during a regional outage.
Can a vault provider migrate our existing cards on file?
Complex card migrations are where many vaults stall before go-live.
VGS has bulk card migrations, with custom logic for complex use cases.
Does the vault provide one API, or many?
A separate endpoint (or vendor) per service multiplies integration and ops overhead.
VGS has a single API for network tokens, account updater, account validation, 3DS, and card attributes.
Who's the team supporting the vault, and what's the support model?
A vault is a long-term dependency, so the team and coverage matter as much as the tech.
Our payments experts bring seasoned industry experience and dedicated, 24/7 enterprise support, honed at the companies they came from below.
The platform
Differentiated by what only VGS ships
Capabilities other independent vaults route through third parties, or don't offer at all.
VGS LARKY
Transform data you never see
Custom programming for tokenization. Alter secure data in an imperative way using the Larky language.
Network Tokens
Network, wallet, & agentic tokens
Network Tokens built to be passed between entities, agentic tokens for AI-driven commerce, plus short-cryptogram fetch and direct connections on all four major networks.
Account Updater
Real-time, on your schedule
Batch, on-demand, single-card, and real-time subscription updates, pulled pre, post, or during the transaction, not locked to it.
Proprietary Proxy Solution
The only forward proxy with tokenization
Securely transmit aliases into online form fields, revealed on submission. Reverse and forward proxy, beyond API-only use cases.
Wallet Lifecycle (MPAN / DPAN)
Wallet decrypt & MPAN events
Multi-PSP orchestration of decrypted Apple Pay and Google Pay credentials, plus MPAN lifecycle so subscriptions survive a device change.
Validation Suite
Reduce reliance on processors
Account Name Inquiry, AVS and CVC check, all through the same Card Management Platform endpoint.
Recognized industry-wide
Platinum 2025
Juniper Research
Best Network Tokenization Solution
CNBC & Statista 2025 & 2026
World's Top FINTECH Companies
2025 Awards Finalist
Money2020
Payments Infrastructure
Questions
Why should I choose VGS over other vaults?
Straight answers on scale, reliability, migration and security: the things that decide enterprise deals.
VGS is the leading independent network token vault, approved for the highest TPS with direct connections to all four card networks. Combined with 8B+ tokens stored, 40B+ annual interactions, and four-nines reliability, it operates at a scale most independent vaults haven't proven.
Yes, VGS is an indepedent vault provider for data security, token storage, and routing to your PSPs. The VGS vault allows you to tokenize data before it hits any gateway, preventing vendor lock-in.
VGS is independent and processor-agnostic, so your tokens stay portable across providers and you get a single platform for network services, without the lock-in.
The platform has highest throughput validated with live customers and scales horizontally and vertically on demand. Cell-based architecture isolates traffic so a spike or incident from one customer doesn't degrade the rest, and VGS has handled major seasonal peaks for the world's largest merchants.
VGS runs cross-region disaster recovery, in-region active-active, and global deployments with 400+ edge locations and deployment architectures designed to avoid single points of failure. Many enterprises move to VGS specifically for this redundancy after outages elsewhere.
Yes, VGS's vault is a PCI-compliant token vault that is completely processor-agnostic.
Yes. VGS performs bulk file migrations of cards on file and handles complex use cases that stall other vaults. VGS Compute (Larky) lets you apply custom transformation logic during migration without exposing the underlying data.
With VGS, every enterprise customer gets a dedicated account manager, solutions architect, and project manager, backed by a 24/7 support team across multiple time zones, plus a dedicated in-house security and application security team paired with a leading MDR provider.
VGS provides a broad suite of value-added services in a single platform. VGS solutions and services include a composable Card Management Platform and our PCI-compliant Vault, alongside: Network Tokens, Account Updater, Card Attributes, 3DS, and Account Validation. Together, these technologies help businesses boost revenue through higher authorization rates, reduce fraud, and streamline operations, all while integrating seamlessly with your existing tech stack.
Compare your stack
See what an enterprise-grade vault looks like
Bring your throughput, migration, and reliability requirements. We'll map them against VGS, and against whatever you're evaluating.