Jump to a Section:

• Token Requestor IDs (TRIDs)

• Provisioning Network Tokens

• Transacting with Network Tokens

• Network Token Statuses

• How To Begin Testing Network Tokens

• Using Network Tokens and 3DS2

• Using Network Tokens and Smart Routing

Token Requestor IDs (TRIDS)

How Long Does Will It Take to Issue TRIDs?

The amount of time it takes to issue TRIDs will depend on the amount of TRIDs the networks are currently processing.  For planning purposes, please plan for a time period between 2 weeks to 2 months.  This being the case, we recommend requesting TRIDs as soon as you are interested in using network tokenization.

I already have TRIDs from another token requestor. Can I use my existing TRIDs?

If you have TRIDs from a previous token requestor, you can use those TRIDs with your Spreedly account to issue network tokens.
Please notify your Spreedly contact or support that you have TRIDs and they will work with you to have your TRIDs associated with your Spreedly account.

What if I only have received TRIDs for a single network?  Can I start using network tokens?

While Spreedly's network solution supports multiple card networks, you do not need to have TRIDs for every network to being requesting network tokens.  Take the example that you receive your Mastercard TRID prior to your Visa TRID; in this example, you can begin provisioning and transacting with Mastercard network tokens while you wait for your Visa TRID to be issued.

Provisioning Network Tokens

What factors determine if a network token will be provisioned for a requested credit card?

When you request a network token be provisioned for a credit card, several factors determine if a token will be provisioned:

• Spreedly must support network tokenization for the card.  Currently, Spreedly supports network tokenization for Visa and Mastercard.
• Your Spreedly account must have the network-specific TRID associated.  Without the network TRID, networks and issuing banks cannot return a merchant-specific token.
• The issuing bank must participate in network tokenization. Adoption of network tokenization by issuing banks depending on the region the issuing bank is located.  North American banks currently have the highest adoption, while Latin American and European bank support is growing rapidly.

When I provision a token during a purchase transaction, will the token be used for the initial transaction? How will that impact transaction latency?

When a network token is provisioning is requested, the request must travel to both the card network and the issuing bank.  As a request, the provisioning process can take between 5-6 seconds, which is much too long for a purchase transaction.

As a result, any purchase transaction that also requests a network token provisioned will default to using the PAN for the initial transaction.  Subsequent transactions for the same Spreedly payment method token can use the network token since it will be stored with the payment method. 

What if I have network tokens from a previous token requestor?  Can the existing tokens be imported to Spreedly?

Network tokens are transferrable between token requestors. Depending on the number of existing network tokens, it is often advisable to transfer existing tokens rather than spend time reissuing tokens. 

The transfer does require coordination between Spreedly, the original token requestor, and the card networks.  If you have existing network tokens you would wish to transfer to Spreedly, please contact your Spreedly contact or support.