--- title: "JavaScript Tokenization vs. Hosted Payments: What’s Best for Your Online Experience?" description: Compare two effective solutions to securing card data and reducing PCI scope to determine the best fit for you and your customers. image: https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/javascript-tokenization.svg --- [tel:1-800-601-0230](tel:1-800-601-0230) 800-601-0230 - Features - Solutions - Developers - [Pricing](https://www.payjunction.com/payments/pricing.html) - Resources [See a Demo](https://www2.payjunction.com/tour-payjunction) Features - EXPLORE PRODUCTS [No-code Payments Integration®](https://www.payjunction.com/payments/no-code-payments-integration.html) [ZeroTouch Terminal](https://www.payjunction.com/payments/smart-terminal.html) [Portable Terminal](https://www.payjunction.com/payments/portable-credit-card-reader-terminal.html) - ACCEPT PAYMENTS [Invoices](https://www.payjunction.com/payments/electronic-invoices.html) [ACH Electronic Checks](https://www.payjunction.com/payments/ach-payments.html) [SmartSurcharge®](https://www.payjunction.com/payments/smart-surcharge.html) [Cards on File](https://www.payjunction.com/payments/store-credit-card-info.html) [Rapid Refunds](https://www.payjunction.com/payments/credit-card-refund.html) [Recurring Billing](https://www.payjunction.com/payments/recurring-payments.html) [Ecommerce](https://www.payjunction.com/payments/ecommerce-merchant-services.html) [Mobile App](https://itunes.apple.com/us/app/payjunction/id1324839420?ls=1&mt=8) - EXPLORE CAPABILITIES [Overview](https://www.payjunction.com/payments/payment-processing-solutions.html) [Integration Marketplace](https://integrations.payjunction.com/) [Remote Signature](https://www.payjunction.com/payments/signature-capture.html) [Multi-Location](https://www.payjunction.com/payments/enterprise-payments.html) [Sales Reports](https://www.payjunction.com/payments/sales-reports.html) [Search and Export](https://www.payjunction.com/payments/transaction-history-search.html) [Customization](https://www.payjunction.com/payments/custom-payment-software.html) Solutions - [Veterinary Streamline payment workflows and get paid faster with up-front deposits and payment schedules for high-cost procedures. 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Get automated reports for simplified end-of-day close and save on processing fees.](https://www2.payjunction.com/automotive-merchant-services) Developers - [API Documentation See how to embed omnichannel payment features into your software, using your choice of our intuitive integration methods.](https://developer.payjunction.com/) - [Developer Experience Explore the developer journey and learn how our full-service partnership model helps you maximize merchant payment adoption rates.](https://www.payjunction.com/payments/payment-api.html) - [No-code Payments Integration® Rapidly integrate payment acceptance features into any SaaS application in minutes using our easy-to-use Chrome browser extension.](https://www.payjunction.com/payments/no-code-payments-integration.html) - [Integration Marketplace Check out our growing marketplace of integrated solution partners that streamline payment acceptance and help businesses automate and scale.](https://integrations.payjunction.com/) [Pricing](https://www.payjunction.com/payments/pricing.html) Resources - [About Us Learn how our people-first culture at PayJunction helps us earn widespread recognition and awards.](https://www.payjunction.com/payments/about.html) - [Careers Join us in our pursuit to deliver exceptional experiences to customers and partners.](https://www2.payjunction.com/careers) - [Support Get helpful information about how to use features, troubleshoot problems and contact us.](https://support.payjunction.com/) - [Blog Gain useful insights into payment industry trends and PayJunction solutions.](https://blog.payjunction.com/) - [Guides Up your payment processing knowledge with our in-depth eBooks and White Papers.](https://guides.payjunction.com/) - [Tutorials Read articles and watch videos about how to use valuable features on the PayJunction platform.](https://blog.payjunction.com/topic/pj-university) # JavaScript Tokenization vs. Hosted Payments: What’s Best for Your Online Experience? ![JavaScript Tokenization vs. Hosted Payments: What’s Best for Your Online Experience?](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/javascript-tokenization.svg) [![Picture of PayJunction Team](https://blog.payjunction.com/hs-fs/hubfs/PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png?width=48&height=48&name=PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png) PayJunction Team](https://blog.payjunction.com/author/payjunction-team) 11/23/2021 Payments—whether by consumers or businesses—are increasingly being made through digital channels. After all, online acceptance streamlines processes, eases demands on staff, and improves the customer experience. While the shift to digital offers a fast and convenient way for customers to pay, it unfortunately increases opportunities for hackers to break into systems and steal valuable card data. That’s why it’s more important than ever for software providers and their end users to employ security technologies that protect systems and networks from handling or storing sensitive payment details captured in online forms. Implementing these solutions also reduces the scope of vulnerable data, which simplifies [PCI DSS compliance](https://blog.payjunction.com/pci-dss-compliance-checklist) validation. Two effective solutions for securing card data and reducing PCI scope are JavaScript Tokenization and Hosted Payments. Here’s a simple chart for a quick comparison. Read on for more information to help you decide which solution is the best fit for you and your customers. | **Features** | **JavaScript Tokenization** | **Hosted Payments** | | --- | --- | --- | | **Security Solution** | In-page client-side tokenization | Hosted checkout page | | **Integration Required** | Yes | No | | **Checkout Experience** | Full control using your own pages | Redirect customers to a hosted page | | **Branding** | Full customization of your own pages | Limited: add your logo and change colors | | **Speed to Launch** | Days | Minutes | | **One-Time Transaction Capture** | Yes | Yes | | **Save Cards on File** | Yes | Yes | | **PCI Complexity Level** | Moderate, SAQ A-EP | Simple, SAQ A | ## JavaScript Tokenization [Tokenization](https://blog.payjunction.com/tokenization-explained) is the process of turning important data into a string of characters that serves as a reference to the original data, and has no value if breached. It allows for the collection of sensitive payment details directly from customers in a secure manner and, in return, issues a token representing this information to process payments. By tokenizing sensitive data, liability is reduced, simplifying PCI DSS compliance requirements. PayJunction’s JavaScript Tokenization is integrated into your website using our [JavaScript SDK](https://developer.payjunction.com/hc/en-us/articles/4404002342555-JavaScript-Tokenization-Introduction) to perform this process in the cardholder's browser on existing payment forms. This ensures that you retain full control over the look and feel of the checkout experience and that no sensitive card data or bank account details touch your servers. The request to tokenize is sent directly from the cardholder’s browser to PayJunction's server, which means your servers are not exposed to sensitive information. The returned tokens are short-lived, single-use entities meant to be used immediately. They are used for two purposes: 1) to process a charge or refund a transaction, or 2) to store the payment information in a secure customer vault for later use, such as future transactions, recurring, and subscription payments. ## Hosted Payments If any of your customers just need a simple and secure way to accept payments on their website, consider implementing Hosted Payments. It allows them to quickly and easily turn their website into a convenient place for their customers to pay for goods and services from their desktop, phone or tablet without the embed payments software. [Hosted Payments](https://www.payjunction.com/payments/ecommerce-merchant-services.html) adds a simple “Buy Now” or “Pay Now” button to a website that automatically redirects customers to a secure billing page where they enter their payment information. PayJunction’s Hosted Payments allows merchants to add a logo, customize the color palette, and specify information to collect. Since PayJunction hosts the secure payment form, the sensitive payment information never passes through your website or servers. Therefore, all the data collected remains outside of PCI scope, which means the business will typically qualify for a simplified PCI DSS compliance validation process. Hosted Payments is a standard feature that is available for all PayJunction customers. It is [simple to set-up](https://blog.payjunction.com/hosted-checkout-payjunction) and offers options for collecting e-commerce payments via a shopping cart or collecting outstanding balances for invoices. No matter which method you choose, you can rest easy knowing that the sensitive payment details collected are secure, and that your customers and their customers are protected. ## Interested in Javascript Tokenization? Software vendors new to PayJunction can get started by [requesting an application key](https://developer.payjunction.com/hc/en-us/requests/new?ticket_form_id=231478) and noting interest in JavaScript Tokenization in the form details. If your software is already integrated with PayJunction, simply [request a publishable key](https://developer.payjunction.com/hc/en-us/requests/new?ticket_form_id=1900003119744) for tokenization. Still have questions? Leave a comment below, we’d be happy to discuss more with you. [API](https://blog.payjunction.com/topic/api) [Developer Resources](https://blog.payjunction.com/topic/developer-resources) [Security](https://blog.payjunction.com/topic/security) --- ##### [![Chargeback Management Lessons that Businesses Need to Learn From 2021](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/chargeback-lessons.svg) Chargeback Management Lessons that Businesses Need to Learn From 2021](https://blog.payjunction.com/chargeback-management-lessons) ##### [![Omnichannel Payments Streamline In-store, Online, and Invoice Payments](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/omnichannel-payments.svg) Omnichannel Payments Streamline In-store, Online, and Invoice Payments](https://blog.payjunction.com/omnichannel-payments) ###### About Author ![Picture of PayJunction Team](https://blog.payjunction.com/hs-fs/hubfs/PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png?width=200&height=200&name=PayJunction%20Logo%20Cropped%20-%20Vertical%20Grey.png) ### PayJunction Team Content written by the PayJunction team encompasses broad business topics including marketing, brick-and-mortar business operations and management. ###### Related Posts ## [![What Is Level 3 Processing and How It Optimizes Transaction Costs](https://blog.payjunction.com/hubfs/level-3-processing.svg) What Is Level 3 Processing and How It Optimizes Transaction Costs Many large corporations and government agencies provide their employees with commercial credit cards to make purchases or pay invoices, which allows buyers to better track spending across their organization.](https://blog.payjunction.com/level-3-credit-card-processing) ## [![What Is PCI DSS?](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/pci-dss.svg) What Is PCI DSS? PCI DSS stands for the Payment Card Industry Data Security Standard. Any business or organization that processes, stores or transmits cardholder data is required to adhere to PCI DSS. The credit card brands (Visa, MasterCard, Discover and Amex) created these security standards to prevent fraud and instate industry-wide standards.](https://blog.payjunction.com/pci-dss) ## [![What Is Tokenization?](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/tokenization-explained.svg) What Is Tokenization? If you’ve been to an arcade, you’ve likely dealt with tokens. When you enter the arcade, you trade legal tender for tokens, which can be used to play at the arcade but have no value outside the establishment. If you win a game, you earn tickets to cash in on a prize of your choice. But you can’t use the tickets elsewhere, they have no value outside the arcade.](https://blog.payjunction.com/tokenization-explained) ## Meet a Payment System You’ll Love - ###### FEATURES [No-code Payments Integration®](https://www.payjunction.com/payments/no-code-payments-integration.html) [ZeroTouch Terminal](https://www.payjunction.com/payments/smart-terminal.html) [Portable Terminal](https://www.payjunction.com/payments/portable-credit-card-reader-terminal.html) [Invoices](https://www.payjunction.com/payments/electronic-invoices.html) [ACH](https://www.payjunction.com/payments/ach-payments.html) [SmartSurcharge®](https://www.payjunction.com/payments/smart-surcharge.html) [Cards on File](https://www.payjunction.com/payments/store-credit-card-info.html) [Recurring Billing](https://www.payjunction.com/payments/recurring-payments.html) - [Ecommerce](https://www.payjunction.com/payments/ecommerce-merchant-services.html) [Customization](https://www.payjunction.com/payments/custom-payment-software.html) [Remote Signatures](https://www.payjunction.com/payments/signature-capture.html) [Rapid Refunds](https://www.payjunction.com/payments/credit-card-refund.html) [Multi-Location](https://www.payjunction.com/payments/enterprise-payments.html) [Sales Reports](https://www.payjunction.com/payments/sales-reports.html) [Search and Export](https://www.payjunction.com/payments/transaction-history-search.html) [Mobile App](https://itunes.apple.com/us/app/payjunction/id1324839420?ls=1&mt=8) - ###### BUSINESS SOLUTIONS [Auto Dealers](https://www2.payjunction.com/automotive-merchant-services) [Veterinary](https://www2.payjunction.com/payment-processing-veterinarians) [Dentistry](https://www2.payjunction.com/payment-processing-dentists) - ###### RESOURCES [Product Overview](https://www.payjunction.com/payments/payment-processing-solutions.html) [Integrations](https://integrations.payjunction.com/) [Blog](https://blog.payjunction.com/) [Guides](https://guides.payjunction.com/) [Support](https://support.payjunction.com/) [Service Status](https://status.payjunction.com/) [Tutorials](https://blog.payjunction.com/tag/pj-university/) [API](https://www.payjunction.com/payments/payment-api.html) - [Trust Center](https://trust.payjunction.com/) [Request a Demo](https://www2.payjunction.com/payjunction-demo) [Pricing](https://www.payjunction.com/payments/pricing.html) [About Us](https://www.payjunction.com/payments/about.html) [Careers *HIRING*](https://www2.payjunction.com/careers) [Press](https://media.payjunction.com/) - ###### RESOURCES [Integrations](https://integrations.payjunction.com/) [Guides](https://guides.payjunction.com/) [Tutorials](https://blog.payjunction.com/tag/pj-university/) [API](https://www.payjunction.com/payments/payment-api.html) [Request a Demo](https://www2.payjunction.com/payjunction-demo) [About Us](https://www.payjunction.com/payments/about.html) [Careers *HIRING*](https://www2.payjunction.com/careers) [Press](https://media.payjunction.com/) [Trust Center](https://trust.payjunction.com/) [Service Status](https://status.payjunction.com/) - ###### BUSINESS SOLUTIONS [Auto Dealers](https://www2.payjunction.com/automotive-merchant-services) [Veterinary](https://www2.payjunction.com/payment-processing-veterinarians) [Dentistry](https://www2.payjunction.com/payment-processing-dentists) ##### 800-601-0230 SIGN UP FOR OUR NEWSLETTER  Become a better advocate for your business. 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