Take Control of the Payment Journey

Eliminate risk, scope, complexity, and other constraints


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Removing the "Pain" from Payments

Tokenization can cure lots of PCI pain. Because TokenEx intercepts the credit card PAN at all entry points into your IT environment, you can benefit from a data-centric approach to security that reduces risk and PCI compliance scope. Plus, our low-code solution is API-driven, so there's no heavy-lifting required.  ​

But TokenEx does far more than alleviate pain. We also help you create value. Indeed, our third-party agnostic tokens remove the restraints of working with individual payment processors, allowing for independence and control over the entire payment life cycle.

Additionally, Network Tokens and 3DS provide greater control over the payment process so you can improve authorization rates, lower IT overhead, and reduce friction for the consumer. The only ones who don’t win are the fraudsters!



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  • Agnostic PCI tokens replace the primary account number (PAN), dramatically reducing PCI scope.
  • Post the payment to any processor.
  • Build your own cascading and dynamic routing of the payment.
  • Persistent tokens enable dynamic and flexible business utility.

What are network tokens?

Network tokens are payment tokens provided by the card brand ( Visa, Mastercard, AMEX, etc.). Network tokens provide a secure payment flow between the consumer, merchant, acquirer, and issuing bank.​

Network tokens are issued by individual card brands to reduce fraud in the booming sector of ecommerce (card not present).​

TokenEx is an agnostic provider of network tokens and collects these on behalf of the card brand.​

Benefits of Network Tokens

Increased security by minimizing PCI scope​

To generate a network token, the merchant needs the PAN, which can be obtained via a TokenEx token to preserve minimal risk and PCI compliance scope.

Decreased payment processing authorization declines​

Increase authorization rates up to 2.2%.  Why? Because the token is “approved” by the consumer's bank and the card brand, there is less chance of fraud as opposed to the credit card PAN being processed.​

Reduced fraud and associated knock-on costs​

Eliminates the failed payments due to cards expiring, making it an excellent option for merchant-initiated transactions and other subscription payments.

Enhanced checkout experience for the consumer

Agnostic network tokens will work with all accepting processors. If the processor does not accept the network token, then you simply work with the TokenEx token/PAN.  No single point of failure. Reduction of risk to our clients.​

Lower interchange fees for those merchants embracing network tokens 

Visa is already talking about a lower transaction rate for merchants using embracing network tokens, in addition to reduced fraud risk and higher acceptance rates. 

Eliminates the requirement of CVV for recurring payments

A simple cryptogram call is all that is required, and reauthorization for recurring payments are needed only if a new PSP is being used.​


Network Tokenization — Easy as 1, 2, 3


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  1. Merchant client sends TokenEx a PAN or TokenEx token in a request for a network token.
  2. TokenEx, as an approved provider, generates the request for a network token and passes it to the card network (Visa, Mastercard, etc.).
  3. The card network sends the network token request to the card issuer (the consumer's bank).
  4. The card issuer validates the token request and provisions the network token, which is then returned to the merchant client via TokenEx.



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  1. Merchant client sends a payment authorization to TokenEx with a TokenEx token or a network token.
  2. TokenEx passes the payment authorization with the network token and cryptogram to the merchant client’s payment gateway.
  3. The payment gateway passes the payment authorization to the payments network.
  4. The issuer (consumer's bank) approves the payment transaction.


  • Remove the friction of payment authorization
  • Reduce fraud
  • Increase authorization rates by 2%
  • Improve the consumer experience

What is 3-D Secure?

3-D Secure (3DS) is a security protocol used to authenticate users. More specifically, it is a method to enable strong customer authentication (SCA), which is required by PSD2, by having the consumer register their credit card with their issuing bank. 

If 3DS is enabled, when a consumer makes a Card Not Present ecommerce purchase, the consumer can be notified via 3DS and acknowledges the purchase.

This provides an extra layer of protection for payment card transactions in card-not-present scenarios.

3DS was designed to allow a cardholder to authenticate its identity to prevent payment fraud, stymie unauthorized transactions, and reduce chargebacks. The customer’s authentication via 3DS shifts the fraud risk and liability from the merchant to the issuing bank.

3DS — Simple, Low-Friction SCA


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  1. TokenEx client sends authentication request to TokenEx.
  2. TokenEx forwards the request to the 3DS server.
  3. If a challenge is necessary, TokenEx receives it and routes it to the end user via the client.
  4. If the challenge is successfully completed, the transaction is approved for processing.

If you need to comply with PSD2, why overcomplicate things with multiple complex 3DS integrations. TokenEx offers a simple solution that, when paired with network tokens, is far less likely to introduce friction.

Layering Complementary Technologies

More Successful Payments are as easy as 1, 2, 3

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