For companies that accept credit and debit card payments, a breach of credit card and confidential customer data is among the most serious risks a business faces. Failure to protect data leads to financial costs, customer defections and loss of reputation - all of which affect the bottom line and public perception.To protect card data, you might encrypt and you might tokenize it. But many are confused by what tokenization is - how it's different from encryption, and how they complement each other.