> For the complete documentation index, see [llms.txt](https://docs.payments.thalescloud.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.payments.thalescloud.io/classic-tokenization/use-cases/card-enrolment/e-commerce-enrolment-flow/generic-e-commerce-enrollment-flow.md).

# Generic e-commerce enrollment flow

Most merchants that support Tokenization do not support Step-up authentication. This includes ID\&V methods provided by the issuer.

As a temporary workaround, the payment network TSP **automatically** activates the token. This can happen even if the ID\&V flow is not completed.

Return a yellow decision when you require Step-up authentication. If the merchant cannot support ID\&V, the payment network TSP may skip it. Use this only until merchants support Step-up authentication.

<figure><img src="/files/ghHPh8fALNAQMCE2nMl2" alt=""><figcaption><p>Generic e-commerce enrollment flow when the merchant does not support Step-up authentication.</p></figcaption></figure>

### Authorization impact

Some TSPs may update the Token Assurance Level in the detokenized authorization request. They use dedicated values for tokens provisioned with Step-up authentication. They may also use dedicated values when ID\&V is skipped. Use these values in the issuer backend to manage risk accordingly.


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