Tokenize a card

Overview

Tokenization creates a digital card from a funding card (FPAN) and provisions it in your digital wallet application.

During Tokenization, you typically:

• Capture card credentials.

• Check card eligibility.

• Present the terms and conditions (T&C) and record the end user’s acceptance.

• Digitize the card to create a digital card.

Depending on your program, the terms and conditions (T&C) might not be required.

Capture card credentials

Card credentials can be provided by:

• Issuer backend. For example, when the digital wallet application is an issuer application.

• End user, via manual entry or camera scan. For example, when your digital wallet application is an open wallet (supporting cards from multiple issuers).

Treat FPAN, expiry date, and CSC as sensitive data. Never log them. Only send them in encrypted form.

Issuer Tokenization decision

During digitization, the issuer approves or declines Tokenization.

The issuer Tokenization decision can be:

• Green: Approve Tokenization without step-up authentication.

• Yellow: Approve Tokenization with step-up authentication (ID&V).

• Red: Decline Tokenization.

When the end user enters card details manually, the issuer Tokenization decision is typically Yellow and requires step-up authentication (ID&V).

User experiences

Green flow

Typical flow:

1. End user selects a card to digitize.

2. End user accepts the terms and conditions (optional).

3. Issuer backend approves Tokenization with no conditions.

4. The digital wallet application shows the digital card, ready to pay.

Yellow flow

Typical flow:

1. The end user enters card information (manual entry or camera scan).

2. The end user accepts the terms and conditions.

3. The issuer backend approves Tokenization with conditions (step-up authentication required).

4. The digital wallet application displays the available ID&V methods.

5. The end user selects an ID&V method and completes ID&V

6. After successful ID&V, the digital wallet application displays the digital card, ready to pay.

Implementation guides

Implement these steps in order:

1. Check card eligibility

   Check whether the card is eligible and retrieve the applicable T&C.

2. Digitize a card

   Digitize the card to create a digital card.

Complete wallet enrollment before you start Tokenization. See Enroll wallet.