A credit card vault is a tool or tool that securely stores customer credit card numbers. In most cases where you use a credit card vault when you accept a card number from a customer, sensitive data does not enter your device, computer, or network.
Storing credit card data online is most advantageous for businesses that deal with recurring bills or have active account users who make frequent purchases. But if you're not part of this camp, you have to ask yourself why you should store credit card data on your servers.
PCI Compliance Levels
PCI Level 4 applies to merchants who process fewer than 20,000 Visa or Mastercard e-commerce transactions per year or a total of up to 1 million Visa or Mastercard credit card transactions and are not subject to a data breach or hack that compromises card or cardholder data.
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