REST API | Visa Platform Connect

Network Tokens

When a
token is used in a transaction, the
token is de-tokenized, and the PAN is sent to the issuer for authorization. The PAN is still exchanged as the transaction is processed. With network tokens, the PAN is removed from the transaction processing and replaced with network tokens, making the transaction more secure.
The network scheme generates network tokens. A token replaces customer card information for 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 credential-on-file (COF) and recurring payments.
  • Real-time card information updates via Network Token Life-Cycle Management. 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
American Express does not support the Payfac model for processing network tokens. Contact your American Express representative for more information.