Increase e-commerce conversion and security by connecting merchants to issuers via aggregated scheme tokenization services.
Increase eCommerce conversion and security for card-based transactions with scheme tokenization
ToPay eCom Token Connector is a scheme agnostic enhancement for e-commerce payments to increase conversion and security with network tokenization.
eCom Token Connector is a technical platform that connects checkout systems with multiple scheme token services. The solution supports tokenization of card-on-file (CoF) and manual PAN entry by the user.
APIs for all merchant use cases: request token enrollment, get card details and card art, transact, receive notifications and handle lifecycle events.
The use of scheme tokens results in better risk scores at issuers, thus increased approval rates. Transactions are protected by an EMV cryptogram which increases the security of payment transactions to a level similar to the security of a card-present transaction.
The life-cycle of the token is fully managed by the issuer. In case the card has been blocked and released, re-issued or there has been any account update done by the issuer, the token will be linked to the updated funding PAN, thus preventing from interruptions in the payment process.