Flexible, robust tokenization solution

Most businesses with an online presence use payment tokenization to help protect customer’s sensitive card data during transactions. But implementing a tokenization solution and securing sensitive customer data can be complex.

Our card brand–agnostic Token Management Service can help you solve this problem. As a flexible, robust tokenization solution it can help simplify tokenization for security, ease the burden of mandate PCI compliance scope and cost, and manage payment credentials.

A single solution for tokenization

Token Management Service works standalone or easily integrated with other payment solutions. This allows you to implement a single solution for tokenization in your payment environment, simplifying your payments infrastructure and technical burden of providing the benefits of tokenization to your merchant customers.

Adopt network tokenization technology

A step forward in tokenization is the emergence of network tokenization powered by the major card networks. Token Management Service helps simplify network token adoption, access, and management for merchant customers with a single integration point into the major card networks.

Network tokenization benefits


authorization rates

4.6% higher authorization rates on average for CNP transactions with tokens compared with PAN.1



Network tokenization2 can reduce fraud by an average of 28% without creating additional payment friction for customers.3

Protect sensitive data, support compliance

Tokenizing and managing sensitive cardholder information like addresses and phone numbers along with payment card data reduces risk, and Token Management Service adds further protection. Top-tier Visa security keeps sensitive data encrypted and secured, help to protect it from breaches at every step of the payment process. And because payment data never touches your own or your merchants' internal systems, the scope of your PCI DSS compliance is reduced.

Support seamless shopping experiences

Token Management Service securely manages customer data from multiple data points across payment types and channels—from traditional card brands (including Visa, Mastercard, American Express, and JCB) and alternative payment options (like eChecks and ACH). This secure data management helps provide a complete view of customer's buying behavior.

With insight into customer buying behavior, merchants can build deeper relationships with their customers and create more personalized payment experiences across multiple channels.

More on tokenization

How SevenRooms enables hotels and restaurants create better experiences for their guests

See how tokenization and integrating with Visa Acceptance Solutions helps enable better experiences for their guests.

Token Management Service product overview

Token Management Service provides integrated capabilities for multiple payment scenarios simple to complex.

Drive innovation and growth

Learn more about driving innovation and growth with Token Management Service on the Visa Acceptance Platform.

Ready to partner with us?

Learn more about partnering with Visa Acceptance Solutions.

1 VisaNet, Oct-Dec 2022. Visa credit and debit global card-not-present transactions for 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.
2 Services maybe provided by affiliates.
3 VisaNet Data, Global, YoY comparison between FY19 Q4 and FY20 Q4 share of token vs non-token PV for merchants with average 1k CNP token transactions per month. Global Risk. As of July 10, 2023.