Network Tokenization is supported globally, though adoption rates with issuing banks vary depending on region and country. At the time of writing (May 2021), we see regional adoption as such:
- North America (US and Canada) - Very Good
- Europe - Good
- Latin America Carribean - Good
- CEMEA - Very Good
- Asia Pacific - Good
Legend
Very Good > 79% Issuer Participation
Good > 50% Issuer Participation
Moderate < 50% Issuer Participation
Poor < 30% Issuer Participation
While network token adoption is rising rapidly, there are individual countries that can be ahead or behind in each region. If you’re interested in Network Tokenization for a specific region or country, please contact Spreedly support and we’ll work to get the latest country adoption information from our network partners. You can also view our Supported Card Networks section of our Network Tokenization guide for currently supported networks.
When you request a network token for a credit card, several factors determine if a token can be provisioned:
- Spreedly must support network tokenization for the card.
- 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 depends 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.
How will I know if the network token has been successfully provisioned for a payment method?
The response body will indicate whether a token has been successfully provisioned or not. For example:
“network_tokenization": {
"provisioned": true
}
As a merchant, do I need to store the network token in my database?
No. Spreedly stores the network token as part of your Spreedly token. You only need to maintain access to the Spreedly Token.
Is it possible to get access to the network token numbers?
At this point in time it is not possible to retrieve the network token. If this is of interest to you, our product team would love to hear more about your use cases. We encourage you to contact us via your customer success team member.
Can I selectively provision network tokens only for a subset of my customers?
Yes! Pass in the "provision_network_token": true flag when adding the customer's payment method to provision a network token. Otherwise, you may set "provision_network_token": false or not set it at all.
Please keep in mind the environment has to be enabled for Network Tokenization for this to work.
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 requested, the request must travel to both the card network and the issuing bank. This 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 be 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.
How can I bulk provision network tokens for my existing payment methods? And is there a separate fee for that?
Spreedly engineering is currently working on a solution to bulk provision network tokens, however it is not currently available. There is no additional fee to bulk provision tokens.
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.
While network tokens do have an expiration date, the Spreedly solution handles the updates for you. Updates will be received and processed as long as the card account is valid and active with the issuing bank.