Network tokenization that lifts approvals
Replace card numbers with network tokens from Visa and Mastercard to raise authorization rates, cut declines on recurring payments, and keep cards up to date automatically — through a European PCI DSS Level 1 vault.
What is network tokenization?
Network tokenization replaces the card number (PAN) with a token issued by the card network itself — Visa, Mastercard and others — instead of by a gateway. The token is domain-restricted and stays in sync with the underlying card, so it keeps working even after the physical card is reissued.
Higher authorization rates
Issuer-trusted token data means more legitimate transactions are approved — especially on card-on-file and recurring charges.
Cards stay current
Lifecycle updates keep tokens valid when a card is renewed, replaced or reissued — fewer failed renewals.
Lower fraud exposure
Domain-restricted tokens are useless if stolen, reducing the value of a breach and cutting fraud-related declines.
Fewer involuntary churns
Subscriptions and saved cards don't break when a card expires, protecting recurring revenue.
European custody
Cards are vaulted in the EU under PCI DSS Level 1, with network tokens provisioned on top.
Works with your PSP
Use network tokens with our acquiring engine or route them to your existing processor.
Network tokens vs PSP tokens
| Dimension | PSP / gateway token | Network token |
|---|---|---|
| Issued by | Gateway / processor | Card network (Visa/MC) |
| Works across providers | Single provider | Ecosystem-wide |
| Auto-updates on reissue | Manual / account updater | Built in |
| Authorization uplift | Baseline | Higher |
| With PCI Proxy | Portable vault token | Provisioned on top |
With PCI Proxy you keep a portable vault token for independence, and provision network tokens on top for higher approvals — the best of both.
From card capture to network token
Capture & vault
Collect the card via hosted fields, SDK, MOTO or API. It is stored as a token in our PCI DSS Level 1 EU vault.
Provision a network token
We request a network token from Visa or Mastercard for the stored card, linked to your merchant.
Keep it current
Lifecycle updates keep the token valid through card reissues — no failed renewals, no manual updater chasing.
Process with uplift
Use the network token for payments through our acquiring engine or your PSP, with higher approval rates.
Network tokenization, answered
01 What is network tokenization?
Network tokenization replaces a card number with a token issued by the card network itself — Visa, Mastercard and others — rather than by a gateway. The token is domain-restricted and is kept in sync with the underlying card, so it keeps working even when the physical card is reissued.
02 How do network tokens improve authorization rates?
Because network tokens carry richer, issuer-trusted data and stay current through lifecycle updates, issuers approve more transactions. This is especially valuable for recurring and card-on-file payments, where expired or reissued cards are a common cause of declines.
03 What is the difference between network tokens and PSP tokens?
A PSP or gateway token is a reference that only works inside that provider. A network token is issued by the card scheme, works across the payment ecosystem and is automatically updated when the card changes. PCI Proxy stores cards as portable vault tokens and can provision network tokens on top, so you get both portability and higher approval rates.
04 Do I still reduce PCI scope with network tokenization?
Yes. Card data is captured and stored in our PCI DSS Level 1 vault, so raw PAN never touches your systems and most merchants stay on SAQ A. Network tokens are provisioned and used through the vault, keeping your scope reduced.
Approve more payments with network tokens
Tell us about your recurring and card-on-file volume, and we'll map a network tokenization setup for you.