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Visa Token Service

Visa Token Service

What is the Visa Token Service?

Visa's Token Service (VTS) is an offering from Visa that protects sensitive card information such as the 16 digit card number by replacing it with a unique digital identifier called a token. This token ensures that payments are processed without exposing card details. For further information and use cases, visit the Visa Token Developer documentation on Visa's official website.

Benefits

Enhanced Security

  • Reduced Risk of Data Breaches: Replacing Account PANs with Network Tokens minimises exposure of actual card information. Even if a breach occurs, the stolen tokens are useless without the ability to detokenize them.
  • End-to-End-Encryption: Tokens help maintain data security throughout the transaction process, from the point of sale to the backend systems.

Flexibility and Scalability

  • Support for Various Payment Methods: Network tokenization supports different types of transactions, including e-commerce, in-store, and mobile payments.
  • Scalability: As businesses grow, tokenization can easily scale to handle increasing transaction volumes without compromising security.

Reduce costs and increase customer trust

  • Lower Fraud-related Costs: By mitigating fraud risks, merchants can save on costs associated with chargebacks, fraud investigations, and other related expenses.
  • Increased Consumer Confidence: Enhanced security measures can increase customer trust in the merchant’s payment systems, leading to higher satisfaction and loyalty.
Service Capabilities

The Visa Token Service (VTS) provides the following capabilities:

Registration (Create, Delete, Get)

Manage all aspects of your Registration for the Visa Token Service. This includes creating a registration to start using the Network Token functionality, deleting your registration to stop using Network tokens with Paydock, and searching for registrations.

Token Management (Create, Get, Search, Delete)

Manage all aspects of Network Tokens. This includes a creating a Network Token for your card PAN, retrieving created tokens and deleting tokens.

Create Cryptogram

Create a cryptogram, enabling the secure processing of payments with Network Tokens.

Issuer Updates

Keep Network Tokens up-to-date when card or token information is changed.

Service (Create, Update, Delete, Get, Search)

Connect Network Token Services to Registrations. This includes creating a service, updating a service, deleting a service and retrieving a service and searching for connected services.

3DS support

Complete 3DS checks with Network Tokens.

What is Paydock?

Paydock is a Payment Orchestration platform that provides merchants with the capability to build an extensive payment workflow tailored to their customer's requirements. We work with a series of providers spanning Payment Gateways, Fraud, SFTP and so on, providing you with the building blocks for a fully customisable payment solution and drastically reducing the costs of Payment Gateway integration.

See here for more information on Paydock’s features.

Contact one of our payment advisors today for more information on connecting the Visa Token Service and Paydock.

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