Get more out of tokenization
Stand up to the friction triple threat
Payment friction at checkout, authentication, and authorization can have a big impact on your merchants. If customers are unable to use their preferred payment method, payment details are incorrect or incomplete, or transactions are declined or fail, the result is the same: abandoned carts, lost customers, and lost revenue.
By managing customer credentials effectively, you can:
Create possibilities with credentials
Help merchants become a checkout champion by uncovering opportunities to increase profits, attract more customers, and accelerate business growth with a strong credentials strategy.
Our latest blog looks at three ways merchants can boost revenue and digital payment success with tokenization.
Getting started with credentials management
Credentials can be complex. Our guide can help you understand how a credentials strategy is foundational for better payment experiences and offers some steps to get you started.
Pay.com: offering their merchants faster, better online checkout
See how Pay.com integrated our tokenization solution in just 10 days to help their merchants make customers’ online experiences feel as smooth and secure as in-store.*
Our solutions: your engine for growth
Enhance your checkout experience by adding these items to your basket.
Token Management Service
Simplify payments by managing tokens across networks and card schemes to improve customer experience and reduce fraud while boosting revenue. 10B+ Visa network tokens—and counting.4
Click to Pay
Reduce friction and streamline checkouts with Click to Pay. Our Drop-in UI slots Click to Pay directly into your existing checkout page with minimal coding for maximum reward.
Visa Account Updater
Update your card-on-file portfolio automatically5—so you can keep payments flowing without diverting time and resources.
Account Verification
Validate payment information when it is first saved on file to maximize payment success and protect against fraud without adding unnecessary friction at checkout.
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Integrating with Token Management Service was super simple and easy! We generated our first token in less than 10 days and immediately noticed the change in approval rates.
Pay.com
Connect with our team
Our experts can help you design a more effective credentials management strategy to fight payment friction.
1 Checkout Conversion Index 2021, PYMNTS.com, 2021.
2 2024 Global Digital Shopping Index, Visa Acceptance Solutions and PYMNTS.
3 VisaNet (October-December 2022). Visa credit and debit card-not-present transactions of tokenized vs non-tokenized credentials. Auth rate is defined as approved authorizations divided by total authorization attempts based upon first attempt of a unique transaction.
4 Cybersource Token Management Service and Secure Storage token metrics on 13 September 2022 as calculated by Cybersource Database Engineering team.
5 The card issuer must be enrolled in the Visa Account Updater programme, Mastercard Automatic Billing Updater, or American Express Refresher.
* Disclaimer: Case studies, statistics, research and recommendations are provided “AS IS” and intended for informational purposes only and should not be relied upon for operational, marketing, legal, technical, tax, financial or other advice. Visa Inc. does not make any warranty or representation as to the completeness or accuracy of the Information within this document, nor assume any liability or responsibility that may result from reliance on such Information. The Information contained herein is not intended as legal advice, and readers are encouraged to seek the advice of a competent legal professional where such advice is required.