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.

• 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.

*Scheme integrations are in progress