State of the art Cloud Token Processing

Network Tokenization

Network Tokenization

Replace sensitive card data with secure network tokens to increase authorization rates, reduce fraud, and uplift sales

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How It Works

Register your business for network token provisioning and start profiting from a 6-13% uplift potential in sales. Lifetime updates assure that the generated token info always reflects the current PAN data of your customers.

Token Request

When a customer initiates a card transaction, a network token is generated on card scheme / card issuing level (e.g., Visa, Mastercard, AMEX, Diners, Discover).

Token Generation

The network creates a unique, cryptographically secure token that represents the card PAN data.

Life-time Card Updates

The corresponding PAN data is always kept up to date, avoiding card declines based on card loss, expired or compromised card

Secure Processing

Consecutive card transactions use the network token instead of the PAN data, improving security and performance.

Proven Performance Impact

0%
Based on case studies with larger e‑commerce clients.
0%
Significant decrease in PCI obligations.
0%
High availability for token generation and updates.
0%
Reduced failures from expired/updated cards.

The Saving Grace for Recurring Billing

Network tokens curb decline codes common to subscription businesses — including expired card, pick up card, and invalid account number — resulting in higher retention and fewer involuntary churn events. Case studies indicate 15–20% uplift potential.

Your Advantages

Improvement of Authorisation Ratios

Significant increase in successful payment authorizations

90% reduced PCI Scope

Dramatically reduce PCI compliance requirements

Facilitating processing across multiple acquirers

Seamless processing across different payment processors

Cloud-based payment processing

Modern cloud infrastructure for scalability

Safeguard most sensitive data

Protect cardholder data with advanced tokenization

Automated card data updates

Automatic updates when card details change

API & Integration Capabilities

API Integration


Endpoint: POST /api/v1/tokens/create
Headers: Content-Type: application/json
Request Body:
{
  "card_number": "4111111111111111",
  "expiry_month": "12",
  "expiry_year": "2025",
  "cardholder_name": "John Doe"
}

Response:
{
  "network_token": "4895370012345678",
  "token_expiry": "12/2027",
  "cryptogram": "AjkBAABBZQ..."
}

Gateway Integration

  • Seamless enablement within the payment gateway.
  • Automatic token provisioning across supported flows.
  • Real‑time token updates with PAN fallback if needed.
  • Comprehensive reporting on token usage.

Compliance & Trust

Network tokenization to replace PAN in storage and processing.

90% reduction in PCI scope (typical).

High‑availability cloud platform (99.9%).

Frequently Asked Questions

Network tokens replace sensitive PAN data with lifecycle‑managed tokens issued by the card networks, improving authorization rates, reducing false declines, and shrinking PCI scope.

Yes—expired, reissued, or upgraded cards are refreshed via network rails, reducing payment failures without customer intervention.

Tokens are recognized by issuers, often scoring higher for risk and SCA/RBA, which can raise approval rates. Networks also increasingly differentiate pricing/assessments for tokenized vs. non‑tokenized ecommerce.

Yes—tokens are portable within the supported ecosystem and can be used across acquirers, channels, and recurring flows.

Important Regulatory Update – 2023

Effective 2023, Visa and Mastercard EU have introduced the Secure Credential Framework / Customer Performance Development Regulations, which are aimed at all domestic and intraregional e-commerce transactions.

The card schemes will now charge an additional surcharge, ranging between 2.00 and 6.5 bps. These new regulations consequently penalise all transactions without Network Tokenization, based on the jurisdiction of the merchant company.

Ready to Transform Your Payment Processing?

Join the growing number of PSPs, merchants, and resellers who trust Processing Partners for their enterprise payment solutions. Let’s discuss how we can help scale your business.

Schedule a Call
View Our Solutions
Schedule a Call
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No commitment required • Free consultation • Custom solutions available