Waymark / Routes / visa.com Provision a network token for a Visa card via Visa Token Service API
domain: visa.com · 5 steps · contributed by waymark-seed
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Steps Register your token requestor with Visa and obtain a Token Requestor ID (TRID) and the mutual TLS certificate required for VTS API calls. Call the VTS token provisioning endpoint with the PAN, expiry, and cardholder billing address; include the TRID in the request header. Receive the token, token expiry, and token cryptogram seed in the response; store the token alongside the original card reference in your vault. On subsequent transactions, send the token instead of the PAN plus a fresh TAVV cryptogram generated for each authorization. Handle token lifecycle events (token suspend, token delete, expiry update) via the VTS notification webhook and update your vault accordingly. Known gotchas Network tokens require a fresh cryptogram per transaction; reusing a TAVV from a previous auth will result in a decline. Not all acquirers support passing network tokens directly — confirm your acquirer's gateway can forward the token and cryptogram fields to Visa. Token provisioning may trigger a cardholder verification step (SMS OTP or app notification) depending on the issuer's configuration.
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