The customer token contains data about the merchant's customer including email address, customer ID, shipping address (stored in a token), and other related fields.

The shipping address token contains the shipping address information associated with a customer token. This token includes any shipping address details, including the recipient's first and last name, company, shipping address, email, and phone number. A customer can have one or more shipping addresses, with one allocated as the customer's default shipping address.

The payment instrument token contains the complete billing details for the payment type including cardholder name, expiration date, and billing address. These are standalone payment instruments that cannot be associated with a customer.

Instrument identifier tokens represent tokenized payment account numbers. Tokenized payment account information includes a primary account number (PAN) for card payments, or a US or Canadian bank account number and routing number for an ACH bank account. An instrument identifier token can exist independently, or it can be associated with a payment instrument.

An instrument identifier token can also contain an associated network token.

Instrument identifier tokens are associated with these features:

When a

TMS

token is used in a transaction, the

TMS

token is de-tokenized, and the PAN is sent to the issuer for authorization. The primary account number (PAN) is still exchanged as the transaction is processed. However, the PAN is removed from transaction processing and replaced with network tokens, making the transaction more secure.

The network scheme generates network tokens. A token replaces customer card information in order to ensure secure transactions. Network tokens are mapped to instrument identifier tokens. The minimum card data required in order to request a network token is the PAN and the expiration date.

Using a network token has benefits:

Improved authorization rates for credentials-on-file (COF) and recurring payments.
Real-time card information updates with life-cycle management. See Network Token Life-Cycle Management for more information. When the customer's card details change, you can receive the updated information automatically. See Manage Webhook Subscriptions for more information on managing webhooks.
Improved customer tracking through the payment account reference (PAR), which is a consumer identifier that is less sensitive than the PAN. The PAR can be exchanged as the transaction is processed.

Network tokens can be provided for

merchants and

partners.