Network Tokens

what are network tokens? a network token is a secure, digital replacement for a card’s primary account number (pan), issued by a card scheme (visa, mastercard) by replacing the consumer’s actual card details, means any intercepted data will be useless to bad actors network tokens can only be used with a designated merchant card network tokens are currently available for visa and mastercard transactions only benefits of network tokens pci dss compliant reduces the scope of the sensitive data to be protected enhances security network tokens replace the consumer’s actual card details, making intercepted data useless to cybercriminals improves authorisation rate network tokens are automatically updated by the card network, allowing you to continue to process merchant initiated transations even after the physical card expires reducing fraud limiting the use of the card information to specific transactions, devices or merchants, network tokens helps to prevent unauthorised transactions, reducing fraud judopay card tokens vs network tokens what is the difference between a judopay card token and a network token? judopay card token the judopay card token is generated by judopay and represents a combination of a card number locator id consumer reference it represents and is unique to a card, consumer and merchant the card token is used by judopay to look up the real card number from our card vault, passing the card number between judopay > gateway > acquirer > issuer network token a token generated by the card scheme it represents and is unique to a card and merchant the network token is used between judopay > gateway > acquirer > issuer to benefit from the enhanced reporting features related to network tokens, we recommend upgrading to the latest version of our api how network tokens work there will be an additional step in the payment processing journey in our backend start the consumer enters card details to make a payment request and creation judopay sends the card details to our tokenisation service, which in turn requests a network token from the card schemes authorisation for each transaction the token is sent along with a unique cryptogram, adding an extra layer of security decryption and verification the card scheme decrypts the network token to retrieve the card details and sends them to the issuer to verify the details are correct final step once approved, the transaction proceeds, with the original card details only being shared between the card scheme and issuing bank utilising network tokens prerequisite network tokens are suitable for use for all integation types no integration work is required to request network tokens to be enabled on your account, contact your account manager or customer support network tokens are currently available for visa and mastercard transactions only managing your transactions disabling network tokens for any transactions where you do not want to use a network token, set the disablenetworktokenisation flag this is only required to be set when generating the payment session this flag is suitable for use on all integration types tracking network tokens to track whether a network token was created , or created and used for a transaction, check the status of these two new fields network token provisioned – indicates if a network token was generated network token used – indicates if the transaction was processed using a network token these fields can be accessed in the following ways judopay portal transaction details page csv download csv download api transaction response