Provision Network Tokens

Learn how to provision network tokens to leverage its benefits in the most optimized way.

Network tokens are typically created as a token under a payment instrument alongside the vault tokens and other token types that an instrument may have. If you are new to the concept of payment instruments and how they abstract multiple types of tokens, visit payment instruments guide for more information.

Once you can create instruments, you will be able to provision a network token. There are multiple ways to do that:

  1. Set your rules to selectively provision network tokens automatically. You can define rules based on:
    1. Network (i.e. Visa, Mastercard)
    2. BIN (i.e. 491345, 643242)
    3. Issuing country (i.e. United States of America, Italy)
    4. Card type (i.e. Credit, Debit)
  2. Use 'provision network token' parameter when creating a new instrument. Use the API endpoint to request network token provisioning for a particular instrument.
  3. Use 'provisioning network token' API endpoint to provision a network token for an existing payment instrument.

When a Network Token provision is requested, card details will be sent to the network via Payrails, and the network token which is considered sensitive data will be stored securely in Payrails Token Vault. Payrails will generate a network token reference and attach it to the payment instrument.

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The service allows merchants to tokenize cards entered by consumers during checkout or existing card held on file. That means, you can start using network tokens anytime, and benefit for including the existing customer base.