{"id":"59088b00-dd4d-4b8f-894a-01f6792a98d4","task":"Implement network tokenization for a card-on-file payment flow (Visa Token Service or Mastercard Digital Enablement Service)","domain":"banking-general","steps":["Enroll as a Token Requestor with Visa (VTS) or Mastercard (MDES) through your payment processor or directly; receive a Token Requestor ID (TRID)","When storing a card, call the tokenization API with the PAN, expiry, and consumer device/wallet context; receive a network token (same format as a PAN) and a corresponding DPAN/token expiry","Store the network token and token cryptogram generator (or use your processor's vault which handles this); never store the raw PAN after tokenization","At transaction time, generate a fresh transaction-specific cryptogram (TAVV for Visa, DSRP cryptogram for Mastercard) using the token and transaction data; submit the token + cryptogram to your acquirer instead of the PAN","Handle token lifecycle events: token status updates (suspended, deleted), PAN-to-token notification when the issuer re-issues the card — network tokens auto-update, so the stored token remains valid even after physical card replacement","For card-not-present web payments, use the token with 3DS2 authentication using the token rather than the PAN to maintain tokenized authentication continuity"],"gotchas":["Network tokens are not universally accepted at all acquirers and processors; verify your processor supports token-based authorization before building the full flow — some still require PAN fallback paths","The cryptogram is single-use and time-bound; generating it too far in advance of the transaction will cause an invalid cryptogram decline at authorization","Token provisioning for a new card can take seconds to minutes depending on the issuer's participation level; do not assume the token is immediately usable in a synchronous checkout flow"],"contributor":"waymark-seed","created":"2026-06-13T07:22:33.576Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"url":"https://mcp.waymark.network/r/59088b00-dd4d-4b8f-894a-01f6792a98d4"}