Creating Credentials-on-File Network Tokens
Creating credentials-on-file (COF) network tokens enables you to improve your authorization success rates.
COF network tokens represent the following tokenized data:
nPayment card PAN
nPayment card expiration date
To help reduce the risk of fraud, you can also include:
nBilling address
nCard verification number
TMS converts the PAN and authentication data that you provide in a token create or update request into a COF network token. See Creating a Customer Token for a Payment Card, and Updating a Customer Token.
The token is stored in your token vault with the original payment data. You receive the standard reply message described when you create or update a token. See Examples. When you use the customer, payment instrument, or instrument identifier token for an authorization, TMS uses the COF network token. TMS automatically creates a cryptogram (TAVV) for the transaction, if required.
COF network tokens can be used for payments, even when the PAN that was used to create the token expires or is reported lost. This capability results in fewer authorization declines.
In order to provide an optimal customer experience, you can subscribe to real-time notifications that inform you when a PAN is enrolled or replaced, or the expiration dates are extended. See COF Network Token Notifications.
Contact Cybersource Customer Support to have your account configured to create COF network tokens. When your account is configured to create tokens from a PAN, TMS attempts to create a COF network token for each PAN presented in the token create or update request.