Visa Token Service

A unifying platform for mobile and digital payments.

Offer more ways to pay

Visa Token Service can help you build and maintain your digital payment experiences while protecting consumers’ sensitive information from fraud. As more consumers come to expect mobile payment solutions, Visa Token Service provides three essential tools to help you meet the demand.

Custom payment solutions

Visa offers standards, specifications, development tools, and turnkey mobile solutions to help partners build and deploy their own tokenized apps to cardholders.

Visa Developer Platform

• Work with us to create your own mobile payment application with the Visa Token Service SDK
• Develop payment solutions that integrate directly with token management tools.

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Contactless payment solutions

Contactless mobile transactions are leading the next wave of digital payments, and Visa Token Service can make them simple and secure. With Near Field Communication (NFC) technology and Visa payWave, secure purchases are as easy as the wave of a hand.

Apple Pay

Make convenient, on-the-go purchases with compatible iOS devices.

Google Pay

Google Pay is a fast, simple way to pay with your Visa in stores and in-app.

Samsung Pay

A safe and simple way to make purchases with your Visa compatible Samsung devices.

Fitbit Pay

Pay right from your wrist with Fitbit Ionic, no phone or wallet necessary.

Garmin pay

Garmin Vivoactive 3 offers contactless payment capabilities on a GPS smartwatch.

eCommerce solutions

Make it easier for cardholders to pay online with a secure, simplified process that quickly moves customers from cart to conversion.

New Ways to Pay Online

Card on File securely stores tokenized accounts and updates card data captured from online consumers for a better checkout experience.

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Internet of things

Makers of devices like wearables, connected cars, clothing and home appliances – even city infrastructure – can now bring secure payments to life across the Internet of Things with Visa Token Service.

Wearables

Wearable devices with contactless payment technology allow consumers to leave their wallets at home.

Connected Cars

Drivers can easily make secure, contactless payments from their in-dash entertainment system.

Other connected devices

Visa technology makes secure payments easy and accessible from almost any device with an internet connection.

Developing payment experiences

Visa offers standards, specifications and development tools to help partners build and deploy their own mobile payment apps.

Visa payWave

Secure, contactless mobile purchases made with the wave of a hand.

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QR Code

Purchases made by scanning a QR code on a mobile device screen.

BLE

Bluetooth® Low Energy (BLE) allows purchase from anywhere in the store.

Three essential tools

Visa Token Service is a complete, integrated set of tokenization tools: Visa Token Vault, Token Management and Visa Risk Manager.

Visa Token Vault

• Stores tokens and their domain restrictions in a secure digital vault
• Link tokens to a cardholder's PAN for payment processing
• Provisioning: Deliver tokens to authorize internet-connected devices and mobile applications for payment

Token Management Tools

• Lifecycle Management: Suspend, resume or delete tokens in the payment network and on devices
• Card Metadata Manager: Manage the card data and art presented to consumers
• Other key tools for digital payment platform management — Reporting for performance insights and APIs

Visa Risk Manager

• Places controls on digital credit and debit products to stop high-risk transactions and enables faster response to emerging fraud schemes
• Provides access to extensive fraud risk management functionality and Visa’s comprehensive transaction and compromise alert data
• Use VRM to configure risk decisioning rules that Visa will apply to incoming token provisioning requests on your behalf

Get started with the Visa Digital Enablement Program

Visa’s Digital Enablement Program (VDEP) simplifies the way you offer innovative payment solutions. With streamlined access to Visa Token Service, VDEP connects financial institutions and technology companies so that you can offer payment options with Google Pay, Samsung Pay and Visa Checkout all in one go.

One-time integration

Connect quickly and easily with no need for multiple technology integrations.

Simple and scalable framework

Drive growth through a simple, scalable plan with no pass-through fees.

Robust protection

Receive a powerful combination of security and consumer data protections.

Access to partnerships

Participate with a fast-growing number of technology partners.

Q + A

Answers to commonly asked questions about Visa Token Service.

What is payment tokenization?

Payment tokenization is the process of replacing the traditional payment card account number with a unique digital token in online and mobile transactions. Tokens can be restricted for transactions with a specific mobile device, merchant or transaction type. The tokenization process happens in the background in a way that is invisible to the consumer.

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Is there an industry standard for tokenization?

In October 2013, Visa, MasterCard and American Express proposed a new standard for digital payments. EMVCo - the global standards organization that oversees EMV specifications to ensure interoperability and acceptance - has since built on this framework with input from EMVCo’s members and the industry to advance availability and adoption of tokens around the world. EMVCo published the initial version of the specification in March 2014.

Why was a new industry standard needed?

We live in a “connected” world. As more consumers make purchases online with smart phones, tablets and PCs, the payments industry is focused on delivering a safe, secure, simple and consistent consumer purchasing experience, regardless of where they are and what device they are using.

How will the standard be managed?

EMVCo, the global standards organization that oversees EMV specifications, has expanded its scope to also develop tokenization specifications.

Why are payment tokens important to the payments community?

Tokens help to simplify the purchasing experience for consumers by largely eliminating the need to enter and re-enter the account number when shopping on a smart phone, tablet or PC. Tokens can also help prevent fraud in e-commerce and m-commerce transactions by removing sensitive card account information from the payment process.

What is Visa doing with regard to tokenization?

Industry standard
Visa participated in the development of a cross-industry standard which provides a globally consistent approach to payment tokens.

VisaNet processing
In April, Visa published mandatory changes by June 2014.

Visa Payment Token Service
Visa has developed a token service which is expected to be available to issuers in late 2014.