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Network Tokens

Coming Soon​

Network Tokens allow the creation of a token representing a customer's card details and offer additional benefits over platform tokens, such as:

  • automatic account updater for expired and reissued cards on file
  • token portability between payment providers with no conversion required
  • improved authorization approval rates, and
  • reduced interchange cost on certain transaction categories.

Network tokens is a specific feature which needs to be enabled on your account.

Once the feature has been enabled for your account, all card payment methods created will default to a tokenType of "network", though you will also be able to choose to generate a platform token by explicitly passing tokenType: "platform" in the request payload.

Create Network Tokens​

Network tokens are created by sending request to the POST /payment-method endpoint.

Note that a customer's email address is mandatory, so please include the billingAddress.email attribute.

Clients should submit a JSON request as follows:

Request: Create Network Token
POST /payment-method
{
  "type": "card",
  "card": {
    "expiry": {
      "month": 9,
      "year": 2024
    },
    "number": "4111111111111111",
    "cvc": "123",
    "cvcIndicator": "not-present",
    "tokenType": "network"
  },
  "billingDetails": {
    "address": {
      "line1": "7272 E Indian School Rd",
      "city": "Scottsdale",
      "state": "AZ",
      "postalCode": "85251",
      "country": "USA"
    },
    "name": "John Doe",
    "email": "[email protected]",
    "phone": "5551234567"
  }
}
Response: Create Network Token
{
  "type": "card",
  "token": "054f3ce9-ad96-4306-abcc-5722e5313a71",
  "updatedAt": "2023-07-11T22:44:23.507Z",
  "createdAt": "2023-05-18T00:33:35.958Z",
  "billingDetails": {
    "email": "[email protected]",
    "name": "John Doe",
    "phone": "5551234567",
    "address": {
      "city": "Scottsdale",
      "country": "USA",
      "line1": "7272 E Indian School Rd",
      "postalCode": "85251",
      "state": "AZ"
    }
  },
  "card": {
    "brand": "visa",
    "lastFour": "1111",
    "checks": {
      "cvcCheck": "full-match",
      "addressCheck": "not-verified"
    },
    "expiry": {
      "month": 9,
      "year": 2024
    },
    "tokenType": "network"
  }
}