API Overview

Token Management Service Developer Guide
- Recent Revisions to This Document
- VISA Platform Connect: Specifications and Conditions for Resellers/Partners
- TERMS OF USE APPLICABLE TO CARD NETWORK TOKENS

Introduction to the Token Management Service
- Types of Tokens
  - Instrument Identifier Tokens
  - Customer Tokens
  - Shipping Address Tokens
  - Payment Instrument Tokens
  - Network Tokens

Token Management Service Workflows
- PAN Tokenization Process Using TMS
- Network Token Tokenization Process
- Push Provisioning Process
- Network Token Provisioning for Merchants
- Network Token CIT for Merchants
- Network Token MIT for Merchants
- Network Token Provisioning for Partners
- Network Token CIT for Partners
- Network Token MIT for Partners

Requesting the Token Management Service API
- HTTP Response Headers
- Case Sensitivity
- Metadata
- Patching Considerations
  - Pagination
- Supported Processors
- Supported Card Types
- Test Card Numbers

Token Management Service Onboarding
- Merchant ID Hierarchy
- Merchant ID Registration
- Portfolio MIDs for Partners
- Token Vault Management
  - Configure the Token Vault Settings Using the Business Center
  - Configure the Token Vault Access Using the Business Center
  - Configure Network Tokenization Using the Business Center
- Token Management Message-Level Encryption Keys
  - Creating a Token Management MLE Key

Network Tokenization Overview
- Network Token Enablement
- Network Token Onboarding—Partner Model
- Network Token Life-Cycle Management
- Network Token Life-Cycle Management Reports
- Manage Webhook Subscriptions
  - Create a Digital Signature Key
  - Create Webhook Subscription
  - Retrieve the Details of a Webhook Subscription
  - Update Webhook Subscription
  - Delete Webhook Subscription
  - Network Token Life-Cycle Management Notification Examples
- Token Requestor IDs
- Digital Commerce Authentication Program

Manage Network Tokens
- Provision a Network Token for a Card Number
- Retrieve a Network Token
- Delete a Network Token
- Generate Payment Credentials
- Generate Payment Credentials for Digital Commerce Authentication Program
- Generate Payment Passkey Credentials
- Authorize a Payment While Ignoring Network Token
- Update Merchant-Initiated Transaction Authorization Options
- Provision a Network Token for a Consumer
- Provision a Network Token for a Device Token
- Provision a Network Token with Push Provisioning
- Card Art
  - Retrieve Card Art
- Simulate Life-Cycle Management Events
  - Available Fields for Simulating Life-Cycle Management Events
  - REST Example: Simulating Life-Cycle Management Events
- Network Token Provision Failures

Create Tokens
- Create an Instrument Identifier and Provision a Network Token
- Create an Instrument Identifier and Provision a Network Token Using a Transient Token
- Create a Customer Payment Instrument
- Create a Token with a Request ID
- Provision a Network Using a Transient Token

Instrument Identifier Tokens
- Manage Instrument Identifier Tokens
  - Create an Instrument Identifier
  - Create an Instrument Identifier for Enrollable Network Tokens
  - Create an Instrument Identifier and Network Token Using EMV Tags
  - Retrieve an Instrument Identifier
  - Update an Instrument Identifier
  - Retrieve an Instrument Identifier's Payment Instruments
  - Retrieve an Instrument Identifier with an Unmasked Card Number
  - Delete an Instrument Identifier
  - Provision a Network Token for an Existing Instrument Identifier
- Payments with Instrument Identifier Tokens
  - Create an Instrument Identifier Token with Validated Payment Details
  - Authorize a Payment with an Instrument Identifier
  - Making a Credit with an Instrument Identifier

Payment Instrument Tokens
- Manage Payment Instrument Tokens
  - Create a Payment Instrument
  - Retrieve a Payment Instrument
  - Find Payment Instruments by Card Number
  - Retrieve a Payment Instrument with an Unmasked Card Number
  - Update a Payment Instrument
  - Delete a Payment Instrument
- Payments with Payment Instrument Tokens
  - Authorizing a Payment with a Payment Instrument
  - Making a Credit with a Payment Instrument

Customer Tokens
- Manage Customer Tokens
  - Create a Customer
  - Retrieve a Customer
  - Update a Customer
  - Delete a Customer
  - Retrieve a Customer's Default Payment with an Unmasked Card Number
  - Retrieve a Customer's Default Payment and Shipping Details
- Payments with Customer Tokens
  - Create a Customer Token with Validated Payment Details
  - Authorizing a Payment with a Customer Token
  - Making a Credit with a Customer Token
- Shipping Address Tokens
  - Manage Shipping Address Tokens
  - Create a Customer Shipping Address
  - Add a Default Shipping Address
  - Add a Non-Default Shipping Address
  - Change a Default Shipping Address
  - Retrieve a Customer Shipping Address
  - Retrieve All Customer Shipping Addresses
  - Update a Customer Shipping Address
  - Delete a Customer Shipping Address
  - Payments with Shipping Address Tokens
  - Authorizing a Payment with a Non-Default Shipping Address
- Customer Payment Instruments
  - Manage Customer Payment Instruments
    - Create a Customer Payment Instrument
    - Add a Default Payment Instrument Using Instrument Identifier
    - Add a Default Payment Instrument with Validated Payment
    - Add a Non-Default Payment Instrument Using Instrument Identifier
    - Add a Non-Default Payment Instrument with Validated Payment
    - Change a Customer's Default Payment Instrument
    - Retrieve a Customer Payment Instrument
    - Retrieve a Customer Payment Instrument with an Unmasked Card Number
    - List Payment Instruments for a Customer
    - Update a Customer Payment Instrument
    - Delete a Customer Payment Instrument
  - Payments with Customer Payment Instruments
    - Authorizing a Payment with a Non-Default Payment Instrument
    - Making a Credit with a Non-Default Payment Instrument

Payment Passkey
- Iframe Requirements
- Create Tokenized Card Authentication Options
- Authenticate with Passkey
  - Step 1: Cardholder authentication with FIDO
  - Step 2: Create payment credentials with FIDO data
- Register a Passkey and Authenticate
  - Step 1: Determine FIDO availability
  - Step 2: Cardholder authentication with FIDO
  - Step 3: Create payment credentials with FIDO data
- Step-up Authentication for Registration
  - Step-Up Authentication Methods
  - Step-up Authentication for Web Application or Phone
    - Step 1: Determine FIDO availability
    - Step 2: Cardholder authentication with FIDO
    - Step 3: Create payment credentials with FIDO data
  - Step-up Authentication for External Web Application
    - Step 1: Validate the one-time password code
    - Step 2: Determine FIDO availability
    - Step 3: Cardholder authentication with FIDO
    - Step 4: Create payment credentials with FIDO data
  - Step-up Authentication for One-Time Passwords
    - Step 1: Issuer sends a one-time password code
    - Step 2: Validate the one-time password code
    - Step 3: Determine FIDO availability
    - Step 4: Cardholder authentication with FIDO
    - Step 5: Create payment credentials with FIDO data

Tap to Add Card

BIN Lookup Service and TMS
- REST Example: Retrieving an Instrument Identifier with BIN Details

Using Token Management Service with Wallet Apps
- Manage Tokens with Wallet Apps
  - Create a New Customer Account
  - Add a New Shipping Address
  - Edit or Delete a Shipping Address
  - Create a New Payment Instrument with the Payments API
  - Edit or Delete a Payment Method
  - Change the Default Payment Method
  - Add a New Payment Method Address
  - View Wallet
- Payments with Tokens and Wallet Apps
  - Authorize a Payment

Reference Information
- Encrypt and Decrypt Data
- HTTP Status Codes

On This Page

`Payment Passkey`

Payment Passkey is an e-commerce authentication solution that is built on Fast Identity Online (FIDO). Payment Passkey uses device-based authentication to provide a consistent and secure payment experience. Payment Passkey provides a streamlined customer experience and enhances security by standardizing local authentication. Payment Passkey also offers eligibility for liability shift under the digital authentication framework.

A Payment Passkey credential is assigned to a device and card combination after a successful cardholder authentication. You can use this Payment Passkey credential during cardholder checkout when the same device and payment card are used. This avoids repeated calls to the issuer and optimizes the cardholder's payment experience.

IMPORTANT

This feature is in the pilot phase. You have early access to this feature even though it might contain bugs or unfinished work. You should consider the risk when using this feature.

`Payment Passkey` Workflow

This workflow illustrates the process of integrating to Passkey Service and binding a network token to a device or browser. There are three possible outcomes when you send a request to determine if FIDO authentication is available for a network token:

AUTHENTICATE

: The device and network token combination is already registered with Payment Passkey and enrollment and step-up are not required. The cardholder can authenticate immediately using their passkey. See Authenticate with Passkey.

AUTHENTICATION_REGISTRATION

: No Payment Passkey exists yet for the device and tokenized card combination and the device and token are eligible to be registered with Payment Passkey. You must register a passkey before authentication can take place. See Register a Passkey and Authenticate.

STEP_UP_AUTHENTICATION

: The device and tokenized card is not yet registered with Payment Passkey and the issuer has challenged the device binding. You must complete an issuer‑required step‑up authentication before the device can be approved and passkey registration can proceed. See Step-up Authentication for Registration.

Payment Passkey Workflow

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