Provision and use Checkout.com network tokens to improve authorization rates on stored cards

Steps

1. Ensure network tokenization is enabled on your Checkout.com account (it is enabled by default for Visa and Mastercard); confirm your account's `{prefix}` base URL from the Dashboard under API endpoints.
2. Request asynchronous provisioning (the default) by including `processing.provision_network_token: true` in a standard `POST /payments` request; the initial payment processes via full PAN while the card is tokenized in the background.
3. For synchronous provisioning (initial payment held until token is ready), contact your Checkout.com account manager to enable it, then call `POST /network-tokens` with the instrument ID or full card details.
4. On subsequent payments, Checkout.com automatically swaps the stored card for its network token; inspect `processing.pan_type_processed` in the response to confirm `fpan` vs network token usage.
5. To export a token and cryptogram for use with a third-party acquirer, call `GET /network-tokens/{id}` to retrieve the `tokenNumber`, then `POST /network-tokens/{id}/cryptograms` with the `transaction_type` to obtain a single-use cryptogram.
6. Subscribe to the network token lifecycle webhook to receive token update events; Checkout.com auto-retries on specific error codes (20003, 20030, 20068, 20091, 20096) using FPAN fallback.