Increase e-Commerce conversion and security by connecting merchants to issuers via aggregated scheme tokenization services.
Maximize revenues with scheme tokenization
ToPay eCom Token Connector is a scheme agnostic enhancement for e-commerce payments to increase conversion and security by Network Tokenization.
ToPay eCom Token Connector is an easy to integrate API, which increases the security of the online payments by tokenizing the payment card and replacing the PAN with a network token. The solution supports card of file (CoF) and manual PAN entry by the user.
The security critical PAN is replace by a network token. This reduces the PCI-DSS requirements for merchant and payment security providers (PSPs).
Network tokens assigned to a specific merchant have improved acceptance rates. Transactions will be protected by an EMV cryptogram, in order to provide high security and to verify the transaction comparable to a card present security level.
The lifecycle 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 stopping any interruptions in the payment process.