Network Tokens enhance payment profitability while providing updated, detailed card data to improve your customer experience. Generate Network Tokens with IXOPAY to prevent exposure to raw cardholder data while enabling seamless transactions with increased authorization rates.
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How it Works
Generating Network Tokens
IXOPAY requests a network token on your behalf to prevent your exposure to the raw cardholder data. Once we receive the token, we return it to you for future use.
Using Network Tokens in a Transaction
When you need to use network tokens in a transaction, you send the token to IXOPAY to be delivered with the cryptogram to your payment gateway for authorization.
Network Tokens are available as part of the Payment Orchestration Platform or as a standalone Payment Optimization Module.
FAQ
IXOPAY Universal Tokens use tokenization to replace sensitive payment card information with a non-sensitive payment token. This prevents companies from storing card information in their own internal systems, thereby reducing PCI scope. Universal Tokens can be used to protect payment information collected via multiple channels (in-person, web, mobile app) and are compatible with any payment processor.
Network Tokens also use tokenization to replace sensitive card data, but these tokens are issued by the card brands (e.g. Visa, Mastercard). Additionally, they are also authenticated by the credit card issuing banks, providing another layer of security. Processors are therefore more likely to approve transactions with a Network Token. However, not all issuing banks and payment processors support Network Tokens. With IXOPAY, you can use Universal Tokens as a fallback if Network Tokens are not supported for a transaction.