Network token provisioning is a secure method for generating card network payment credentials. This process enables cardholders to make online payments while keeping their actual card details protected. Network tokens replace sensitive card data with unique, encrypted tokens that can only be used for authorized transactions.

Use Cases

• Processor Flexibility: Pass tokens between processors for increased flexibility and network redundancy
• Subscription & Recurring Payments: Securely store tokens for recurring charges, to process recurring payments without recollecting payment credentials
• Account Funding: Process network tokens for account funding transactions without storing the underlying PAN
• Cross-Border Payments: Facilitate international transactions with reduced fraud risk and compliance overhead

Token Provisioning Flow

Raw Card Token Provisioning Flow

You are PCI Certified and can handle card in the clear.

1. You add the raw card information to your Create a Token API request.
2. TabaPay returns with a network token ID.
3. You can now save the network token ID to send to TabaPay in the future using Retrieve Token to receive the full token number.

Token Provisioning Flow with Account ID

1. You use a pre-existing TabaPay Token (accountID) to add to your Create a Token API request.

How Token Provisioning Works

Prerequisites

All requests require your FQDN and your ClientID in the URL endpoint. For more information on creating a request, refer to Make Your First API Call.

Any client handling sensitive card information is required to meet a specified level of Payment Card Industry Data Security Standards (PCI-DSS).

Optional: Help confirm your card payment instrument and customer with Query Card API with AVS + ANI.

Network token provisioning leverages the infrastructure of major card networks to create a secure bridge between cardholders, issuers, and merchants. When a cardholder provisions a card, Primary Account Numbers (PANs) remain secure and are never exposed as raw card information:

Create Token

Request

For request body field descriptions, refer to Create Token API Body Params.

{
  "type": "Network",
  "account": {
    "card": {
      "accountNumber": "4111111111111111",
      "expirationDate": "202912",
      "securityCode": "123"
    }
  }
}

{
  "type": "Network",
  "account": {
    "accountID": "22CharTabaPayAccountID"
  }
}

Response

For response body field descriptions, refer to Create Token API Responses.

{
  "SC": 200,
  "EC": "0",
  "tokenID": "<id>"
}

Frequently Asked Questions

Recipes