Network Token Processing—Hybrid Model

This workflow is for merchants who can use the payment gateway directly to process network tokens or process network tokens through a third party.


Network Token Processing for Merchants and Partners
  1. The customer makes a purchase on the merchant's website using a PAN.
  2. The merchant sends the PAN to the gateway and receives a
    token and a network token from the
    Token Management Service
  3. TMS
    asynchronously provisions a network token and maps it to the
  4. The merchant can process network token:
    1. Directly with the gateway
    2. Fetch the network token and cryptogram from the gateway to process with a third-party processor.
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