Network Tokenisation

Network tokenisation is a security technology used primarily in payment processing to protect sensitive card information.

It replaces actual card details with a unique identifier or token, which can be used to process payments without exposing the original card information.

Network Tokenisation enables merchants to process payments in a more secure way, and as a result, be eligible for lower fees from schemes and achieve a higher transaction approval rate.

Supported Card Schemes:

•Mastercard: Offers Secure Card on File (SCOF) to securely tokenise Account PANs for e-commerce and in-app transactions, replacing PANs with unique tokens (issuer participation required).

•Visa: Provides Token Service (VTS), replacing the card’s 16-digit number with a secure token to protect sensitive data during payments.

Supported Gateways:

•MPGS

•Cybersource

Typical Setup

Prerequisites to using this service

Step 1: Create Network Token Registration (both Visa and Mastercard)

• Complete Network Token registration providing the following information

  • Visa:

    • Primary Legal Name (required)

    • Website URL (required)

    • City (required)

    • Country (required)

    • Acquirer Identifiers (required if Bussiness Identification Value and Bussiness Identification Type are not provided)

    • Business Identification Value (required if Aquirer Identifiers are not provided)

    • Business Identification Type (required if Aquirer Identifiers are not provided)

    • Company Address line 1 (optional)

    • Company Address line 2 (optional)

    • Company State Province Code (optional)

    • Company Postal Code (optional)

    • Company Phone (optional)

    • Dun and Bradstreet Number (optional)

    • Company Trade Name (optional)

    • Primary Contact First Name (optional)

    • Primary Contact Last Name (optional)

    • Primary Contact Email (required)

    • Duns Number (optional)

  • Mastercard:

    • Program Name (required)

    • Acquirer Identifiers (ICA, BIN, Merchant ID) (optional)

    • Primary Legal Name (optional)

    • Logo URL (optional)

    • Primary Website URL (optional)

    • Display Name (optional)

    • Merchant Category Codes (optional)

    • Company Address Name (optional)

    • Company Address line 1 (optional)

    • Company Address line 2 (optional)

    • Company Address line 3 (optional)

    • Company City (optional)

    • Company State (optional)

    • Company Postal Code (optional)

    • Company Country (optional)

    • Debit Token Requested (optional)

Step 2: Connect Network Token service to your Paydock Account

1. Log into your Paydock Production or Sandbox account;

2. Navigate to Services from the menu on the left;

3. Click on the Add New tab from the top of the page;

4. Select the Network token group from the Service Group drop-down list.

5. Navigate to or search Network Token service (Visa or Mastercard) and click on the Activate button;

6. Complete the fields below to enable the Netwotk Token service.

   1.  Label – This is for your reference only. In Paydock, you are able to add multiple instances of a service. This can be helpful for tracking campaigns or income streams.

   2. Search/Select Network Token Registration from the Registrations dropdown

   3. Based on the selected Network Token registration in (b) above, the following details would be auto-populated as derived from the Network Token registration completed in Step 1

      1. Registration ID

      2. Group

      3. Type, and

      4. Environment

   4. Set flag “Set as Default“ = true if you want Network Tokens be creates under the hood of Vault API. Note: If no service is “Set as Default“ = true Network Tokens can’t be created. To support Network Tokens for Mastercard and Visa both services should be connected with “Set as Default“ = true.

7. Click Connect to complete the Network Token service connection.