Network tokenization through the schemes connects merchants with issuing banks. This results in various advantages compared to PSP proprietary tokens. Instead of storing sensitive card data like card numbers (PANs) in their Card-on-File (CoF) systems, PSPs can store scheme tokens and significantly reduce liability. Scheme tokens are processed with EMV transaction cryptograms, which increases the security of payment transactions to a level similar to the security of a card-present transaction. In addition, this increases approval rates based on risk decisions.

Why ToPay eCom Token Connector?

DRIVE INCREASED APPROVAL RATES: the use of scheme tokens results in better risk scores at issuers

EASY IMPLEMENTATION OF APIs:one interface to connect to multiple schemes with unified flows

LESS MAINTENANCE EFFORTS: the ToPay eCom Token Connector is offered as a service and hosted in Netcetera’s data center

GUARANTEED COMPLIANCE WITH PCI-DSS standards and scheme regulations

CONTINUOUS ENHANCEMENTS
of product functionalities

AUTOMATIC IMPLEMENTATION
of mandatory updates of schemes

FASTER TIME TO MARKET: scheme-agnostic and already integrated with scheme token services (MDES, VTS*, AETS*)

CONTRIBUTING TO BETTER CONVERSION RATES: token updates due to life-cycle notifications are done automatically

ToPay eCom Token Connector as a service

Technical platform to connect checkout systems with multiple scheme token services, extendable for future payment technologies
The complexity of tokenization is hidden under the hood of Netcetera’s ToPay eCom Token Connector
APIs for all merchant use cases: request token enrollment, get card details and card art, transact, receive notifications and handle lifecycle events
APIs for PSPs to manage merchants: create or delete merchant, reporting, manage Token Requestor IDs (TRIDs)
Operated as a service by Netcetera within its data centers fulfilling PCI DSS standards and on Tier 3+ level
Highly available, scalable hosting infrastructure with SLA-guaranteed uptime and 24/7 service and support.