Network Tokenization

Network Tokenization enables merchants to create and manage network tokens for card-on-file transactions. Network tokens replace the actual card PAN with a token issued by the card network (Visa, Mastercard), improving authorization rates and security.

All Network Tokenization endpoints use V2 API conventions and require Basic Auth authentication.

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Network Tokenization must be enabled for your merchant account. Contact your onboarding manager to configure a tokenization provider.

Setup Requirements

To get started, contact your onboarding manager. As part of the setup, you will need to provide a Network Token Postback URL — a dedicated endpoint for receiving network token lifecycle updates (e.g., token status changes, card-on-file updates). This is separate from transaction postback URLs — transaction postback URLs can change per request, while the network token postback URL must be a stable, persistent endpoint.

Hosted Payment Page Integration

When Network Tokenization is enabled, all card payments on the hosted payment page follow this flow:

1. Card data is tokenized during checkout.
2. The network token is used for processing instead of the raw card number.
3. The first transaction postback includes the network_token_id used for the payment.
4. The merchant can save this ID and use it to retrieve token information or manage the token going forward.

Testing

To test the end-to-end Network Tokenization flow:

1. Ensure Network Tokenization has been enabled for your account (see Setup Requirements).
2. Process a card payment through the hosted payment page.
3. Observe the network_token_id in the transaction postback.
4. Use the management API endpoints to query or manage the token.