Simple Order API | Visa Platform Connect

Network Token Provisioning—Merchant Model

This workflow shows the process of network token provisioning for merchants.

Figure:

Network Token Provisioning for Merchants-Tokenize
Tokenize
  1. The customer enters their card data and sends the PAN to the merchant.
  2. The merchant sends the PAN to
    Token Management Service
    .
  3. Token Management Service
    generates a
    TMS
    token and synchronously provisions a network token from the card brand.
  4. Token Management Service
    sends the merchant the
    TMS
    token, expiration date, suffix, and payment account reference (PAR).
  5. The merchant stores the
    TMS
    token ID and network token flag and sends the customer the masked card number.

Figure:

Network Token Provisioning for Merchants-Retrieve Cryptogram
Retrieve Cryptogram
  1. The merchant requests the cryptogram using a
    TMS
    token from
    Token Management Service
    .
  2. Token Management Service
    looks up the network token and sends the token metadata to the card brand.
  3. The card brand generates the cryptogram and sends it to
    Token Management Service
    .
  4. Token Management Service
    sends the network token and cryptogram to the merchant.
  5. The merchant uses the network token along with the cryptogram to start the authorization.

Figure:

Network Token Provisioning for Merchants-Retrieve PAR
Retrieve PAR
  1. The merchant retrieves the
    TMS
    token and sends to
    Token Management Service
    .
  2. Token Management Service
    looks up the token and retrieves the PAR.
  3. Token Management Service
    sends the PAR to the merchant.
  4. The merchant stores the PAR.