Network Tokenization (beta)
PCI Proxy Network Tokenisation service is a feature that enables merchants to increase their payment success rate and improve their security. As of today, PCI Proxy is a certified Token Requestor Provider for Visa (VTS) and MasterCard (MDES) Network Tokenisation. Support for American Express (AETS) will be added later this year.

Network Tokens

Network Tokenisation is a concept introduced by the card schemes such as Visa, Mastercard, and AMEX, based on the technical framework provided by EMVCo. Thereby, a Network Token (also called DPAN) is a 16 digit Primary Account Number (FPAN) alternative that is unique per each cardholder as well as per merchant. Like a regular PAN, Network Tokens can be used for completing e-commerce transactions or sharing them with other partners in the payment eco-system.
The PCI Proxy Network Token solution has been designed in the same way as the current PCI Proxy integration. This allows a merchant to benefit from industry leading advantages of PCI Proxy such as a simple technical integration, a fully Payment Provider agnostic solution and best practice in-built security. In short, you still have the full flexibility without touching sensitive payment data.
Check out the Process overview section to learn more about how to create and make use of the Network Tokens.

How can my business benefit from Network Tokens?

Network Tokens offer a wide range of benefits for organisations such as:
Lower payment acquiring fees
  • From what we have seen in the market, acquirers tend to offer lower acquiring processing fees when using Network tokens. Mainly due to increased security and lower risk.
Higher Conversion-Rate
  • Fewer declines due to automatically updated credit card credentials
  • Significantly higher authorisation rate at issuers compared to payments made without Network Tokens
Account Lifecycle Management (Card Updater)
  • Pro-active updates for credit card credentials
  • Network Token status (active, suspended, etc)
Increased Security & Less Fraud
  • You don't need to expose sensitive payment card data
  • Strict domain control / Merchant specific tokens
  • Each token has a one-time cryptogram
Future-Proof: Being ready for upcoming card services
  • Card art - get a picture of the card to show in the customer profile
  • Push provisioning
  • Delegated authentication
  • Improved guest check-out

Who should use the Network Tokens?

Merchants and Service Providers across various industries can benefit from Network Tokens. The following use cases are pre-destined for using Network Tokenization:
  • Subscription-based businesses
  • Recurring businesses
  • Fintechs

How to get access to the PCI Proxy Network Tokenisation feature?

Simply drop us a message if you're interested in taking advantage of Network Tokens. Our team will reach out and find the best way how to proceed together with you.