Cards
Network token
A scheme-issued token that replaces the PAN end-to-end and is automatically updated when the underlying card is reissued.
Network tokens (Visa Token Service, MDES, Amex Token Service) are tokens that issuers and schemes recognise natively. They survive card reissuance and theft replacements automatically, lift approval rates by 1–3% on stored credentials, and are mandatory for some 3DS flows. They generally cost extra per transaction.
Related terms
A PCI-DSS-compliant store of tokenised card credentials that lets a merchant charge a card again without holding the PAN.
Replacing sensitive card data with a non-sensitive surrogate value that can be stored and reused without PCI scope.
A scheme service that automatically updates stored card numbers and expiry dates when an issuer reissues a card.
Ready for velocity?
Tell us about your business. We'll match you with the right acquiring partners and the right route, typically inside a week.