- Introduction to Payments
- Standard Payment Processing
- Card Present Connect | Retail Processing
- Authorization with Contact EMV and Online PIN
- Authorization with Contact EMV and Offline PIN
- Card Present Connect | Mass Transit Processing
- Debit and Prepaid Card Processing
- Processing Debit and Prepaid Authorizations
- Airline Data Processing
- Japanese Payment Options Processing
- Processing Payments Using Credentials
- Using Stored Customer Credentials During a CIT
- Merchant-Initiated Delayed Transaction with PAN
- Merchant-Initiated Incremental Transaction with PAN
- Merchant-Initiated No-Show Transactions with PAN
- Merchant-Initiated Reauthorization Transactions with PAN
- Merchant-Initiated Resubmission Transaction with PAN
- Installment Payments
- Recurring Payments
- Merchant-Initiated Recurring Payments with PAN
- Token Management Service Processing
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REST API | Visa Platform Connect
Token Management Service
When using tokens, personally identifiable information (PII)
including the primary account numbers (PANs) can be replaced with unique tokens.
These tokens do not include the PII data, but act as a stand-in for the personal
information that would otherwise need to be shared. By using tokens, businesses can
provide a secure payment experience, reduce the risk of fraud, and comply with
industry consumer security regulations such as PCI-DSS.
The
Token Management Service
(TMS
) links tokens across service
providers, payment types, and channels for sellers, acquirers, and technology
partners. TMS
tokenizes, securely stores, and manages the
primary account number (PAN), the payment card expiration date, electronic check details,
and customer data.
TMS
also enables you to create a network token of a
customer's payment card.IMPORTANT
Due to mandates from the Reserve
Bank of India, Indian merchants cannot store PANs. Use network tokenization instead.
You can manage sensitive data securely by
creating, retrieving, updating, and deleting tokens through the TMS API.
TMS
simplifies your PCI DSS compliance. TMS
passes tokens
back to you that represent this data. You then store these tokens in your
environment and databases instead of storing customer payment
details.TMS
protects sensitive payment information through tokenization and
secures and manages customer data using these token types:- Customer tokens
- Instrument identifier tokens
- Payment instrument tokens
- Shipping address tokens
TMS
tokens can be used individually, or they can
be associated with one customer token:Related Information
- See thefor more information about theToken Management ServiceDeveloper GuideTMS.
- See Token Management Service Processing for information that shows you how to process payments using theTMS.