Visa Token Service
Unlocking growth for digital commerce
Visa Token Service (VTS) brings trust to digital commerce innovation. As consumers come to rely on digital payments, VTS provides value-added services and three essential tools to help you increase authorization, reduce fraud and lead from the front.
VTS is the foundational platform for global tokenization. By substituting Visa card numbers with tokens, VTS enables richer, more secure digital payment experiences for millions of customers every day. Through VTS, Visa is leading the token transformation by contributing to and implementing industry standards worldwide.
Powering your token strategy
Build, protect and enrich your digital experiences.
Merchants
The VTS platform, together with Visa’s value-added services, enables merchants to create innovative new digital commerce experiences with world-class security.
Potential benefits:
- Increase authorizations and loyalty, protect your cardholder data and simplify online checkout with Click to Pay
- Digital-first merchants and subscription services can safeguard revenues, reduce card-not-present fraudand improve customer experiences
Value-added services
Visa’s value-added services combine with VTS to help you increase authorization, reduce fraud and lead from the front.
Visa Card Enrollment Hub (VCEH)
VCEH helps participating merchants acquire and onboard customers by eliminating the need for customers to manually input their payment card and personal information. VCEH helps participating issuers make their card top-of-wallet and drive payment volume.
Visa Credential Enrichment Service (VCES)
VCES enhances the token provisioning process by enabling stored credentials with outdated expiry dates to be used to provision tokens. VCES leverages VisaNet data to search for the latest confirmed expiry associated with the PAN, and swaps in the newer expiry where available.
Card on File (COF) Data API
COF Data API gives issuers visibility over which merchants and service providers have stored cardholders’ payment credentials. With this insight, issuers can offer enhanced customer experiences, enabling customers to add, view and manage their Visa cards.
Payment Account Reference (PAR) Inquiry
PAR Inquiry links a PAN and its associated token transactions together to give a complete picture of cardholder spending. This ensures payment processing and value-added services like loyalty and couponing can be delivered seamlessly across payment instruments and channels.
Cloud Token Framework
Helping you ensure only authorized cardholders can make digital payments seamlessly from any device, anywhere.
Cloud Token Framework (CTF) enables digital payment security and consumer experience across multiple connected devices. Consumer identity and verification, device intelligence and multiple authentication factors link the payment credential to the consumer and device – enhancing confidence in multi-device payments, reducing friction and preventing account takeover fraud.
Click to Pay
Online checkout has evolved. Discover the easy, smart, secure way to pay online.
Click to Pay simplifies digital guest checkout by eliminating passwords and manual card entry, leading to faster checkouts and fewer abandoned carts. Click to Pay is based upon industry standards and makes online shopping easier using a single payment profile across participating merchants and various devices.
Wallets and wearables
Fast, convenient and secure. Shoppers can pay their own way, in-store or online, with their app of choice. Digital payment solutions combine with VTS to safeguard consumer data throughout the payment process, without compromising the user’s shopping experience.
Case studies
Learn more about how Visa Token Service is being used globally by reading our downloadable partner case study.
Tools and resources
Visa offers a complete, integrated set of tokenization tools to secure and enrich the world of digital commerce.
Visa Online
Your one-stop destination for doing business with Visa. Understand our payment solutions and access powerful tools to manage and grow your business.
Visa Developer Platform
Design. Build. Deliver. Open up a new, agile world of possibilities for your business with direct access to Visa’s APIs, tools and expertise.
Visa Ready
Are you ready for tomorrow’s digital commerce? Get certified or select the Visa Ready solution that meets your business needs.
Ready to get started?
Deliver richer, more secure digital payment experiences with Visa Token Service.