Provisioning mobile and digital payments through the use of tokens minimizes the risk of fraudulent use of data if the device or account is compromised. Visa Token Service is based on the EMVCo payment tokenization standard and aligns with EMV technology—the global requirement for secure payments that also protects businesses from fraud liability.
Overview
Why Visa Token Service
Keep up with the future of digital payments
As more consumers make purchases using a mobile device, the payments industry must deliver a safe and simple purchase experience no matter the location or device.
Three turnkey tools
Token management services
- Service Enrollment: Enroll and configure your digital credit and debit products into the token service.
- Provisioning: Deliver tokens to authorized internet-connected devices and mobile applications for payment.
- Lifecycle Management: Suspend, resume or delete tokens in the payment network and on devices.
- Active Key Management: Access security and controls including domain restrictions.
- Card Metadata Manager: Manage the card data and art presented to consumers.
- Reporting: Analyze and gain insights from performance metrics and operational performance.

Visa Token Vault
Store tokens and their domain restrictions in a secure digital vault, and links tokens to a cardholder’s PAN for payment processing.

Visa Risk Manager
Place controls on digital credit and debit products that enable you to respond faster to emerging fraud schemes and stop high-risk transactions.
Get started with the Visa Digital Enablement Program
Q + A
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Payment tokenization is the process of replacing the traditional payment card account number with a unique digital token in online and mobile transactions. Tokens can be restricted for transactions with a specific mobile device, merchant, or transaction type. The tokenization process happens in the background in a way that is invisible to the consumer.
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In October 2013, Visa, MasterCard and American Express proposed a new standard for digital payments. EMVCo - the global standards organization that oversees EMV specifications to ensure interoperability and acceptance - has since built on this framework with input from EMVCo’s members and the industry to advance availability and adoption of tokens around the world. EMVCo published the initial version of the specification in March 2014. The development of a global standard will help enable a new generation of payment products, while maintaining compatibility with the existing payments infrastructure.
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We live in a “connected” world. As more consumers make purchases online with smart phones, tablets and PCs, the payments industry is focused on delivering a safe, secure, simple and consistent consumer purchasing experience, regardless of where they are and what device they are using. The development of a global standard will help enable a new generation of payment products, while maintaining compatibility with the existing payments infrastructure.
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EMVCo, the global standards organization that oversees EMV specifications, has expanded its scope to also develop tokenization specifications. EMVCo has built the framework with input from EMVCo’s members and the industry as we collectively seek to advance availability and adoption of tokens around the world. EMVCo published the initial version of the specification in March 2014.
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