Visa Token Service

The platform that unifies mobile and digital commerce.

View the VTS Fact Sheet

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.

View the latest facts and figures on Visa Token Service

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

Payment service providers (PSPs)

The VTS platform helps PSPs differentiate and deliver added value to merchants and acquirers, strengthening business relationships for the long-term.

Potential benefits:

Create seamless customer checkout flows and increase authorization rates for your merchant customers, without compromising security
Keep pace with the latest network tokenization and authentication standards, by default

Technology partners

The VTS platform brings the trust of tokens to digital device payments and enables a vital interface with banks and merchants.

Potential benefits:

Fast, convenient and secure. Shoppers can pay their own way, in-store or online, with their app of choice
The world’s largest ‘OEM Pay’ services work with VTS to safeguard consumer payment data, at rest and in transit, throughout the payment process

Issuers

The VTS platform helps issuers give cardholders the confidence to pay digitally, wherever and however they like.

Potential benefits:

Increase authorization, reduce fraud and deliver more diverse payment options to improve your customers’ shopping experiences
Offer digital payments with Visa security built-in. VTS is the central point, connecting banks, merchants and digital wallets

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.

Read the Visa Card Enrollment Hub PDF

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.

Read the Visa Credential Enrichment Service PDF

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.

Read the Card on File Data API PDF

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.

Read the Payment Account Reference Inquiry PDF

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.

Read the Cloud Token Framework PDF

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.

Learn more about Click to Pay

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.

Read the Visa Adyen Case Study

Read the Visa Thales 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.

Learn more about Visa Online

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.

Learn more about Visa Developer Platform

Visa Ready

Are you ready for tomorrow’s digital commerce? Get certified or select the Visa Ready solution that meets your business needs.

Learn more about Visa Ready

Ready to get started?

Deliver richer, more secure digital payment experiences with Visa Token Service.