Very Good Security offers a unified card management platform that stores, tokenizes, and enriches payment data via a single API, providing network token generation, real‑time account updater, full PAN lookups, and optional 3‑DS authentication. By centralizing these capabilities, merchants and agents can improve authorization rates, reduce fraud, and stay PCI‑DSS compliant without exposing raw card numbers.
Funding
$60M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
1OVVFounders
Product
Problem
Merchants and agents must manage multiple payment data types—raw PANs, network tokens, and card attributes—while complying with PCI regulations, leading to fragmented integrations, vendor lock‑in, higher fraud risk, and lost revenue from declined or outdated cards.
Solution
Very Good Security (VGS) provides a unified card management platform that stores, tokenizes, and enriches payment data through a single API. The platform delivers network‑token generation across all four major card networks, continuous account updater services, and full PAN lookups for advanced card attributes, all without exposing raw card numbers to the merchant’s environment. By centralizing these capabilities, VGS enables processor‑agnostic routing, higher authorization rates, lower interchange fees, and reduced fraud. The solution also includes optional 3‑DS authentication and agentic commerce tools, giving businesses control over authentication flow and data ownership while remaining PCI‑DSS compliant. This consolidated approach eliminates the need for multiple vendor contracts, shortens integration timelines, and improves the end‑customer checkout experience.
Target Audience
Primary customers are e‑commerce merchants, gig‑marketplace platforms, and agentic commerce providers that process recurring or high‑volume card‑on‑file transactions and require PCI‑compliant tokenization and data enrichment.
Features
- Direct, certified integrations with Visa, Mastercard, American Express, and Discover for processor‑neutral network token issuance
- Continuous and real‑time account updater that refreshes card‑on‑file data to prevent declines and cart abandonment
- PAN lookup service delivering enriched card attributes (issuer, country, debit routing, currency, prepaid type, etc.) beyond traditional BIN data
- Unified API delivering Network Tokens, Account Updater, Card Attributes, and 3‑DS in a single card object
- Provider‑agnostic 3‑DS authentication with customizable routing and liability shift options
- Agentic commerce toolkit (autofill, API pass‑through, tokenized checkout) for AI‑driven payment flows
- Global backup and vault architecture that descope PCI compliance while retaining full data ownership
- Dashboard and reporting tools for token lifecycle, fraud monitoring, and performance analytics