Tokenization | Thales Payments

Our Tokenization product gives issuers unified access to all major services, enabling instant digitization from any token requestors connected to MDES, VTS, or Amex TSP.

Unlike traditional API gateways, our Tokenization product orchestrates the full end-to-end tokenization journey. Powered by one of the industry’s most advanced decision engines, it enables issuers to significantly reduce fraud, accelerate digital card adoption, improve approval rates, and make tokenization smarter, safer, and effortless to operate.

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Why Thales for Tokenization?

Thales Tokenization product gives banks a smarter, safer, and fully unified way to access global tokenization.

With one connection, issuers instantly reach all major tokenization services (MDES, VTS, and Amex TSP) without added complexity.

Tokenization doesn’t just route requests; it orchestrates the entire tokenization flow with an industry-leading decision engine that sharply reduces fraud at the point of digitization.

With Tokenization, issuers benefit from faster token activation, stronger security, and a frictionless digital card experience for every customer.

Complete Tokenization ownership and management

Unified API. Effortless Integration.

One set of APIs, one platform to access all tokenization use cases, eliminating integration complexity, accelerating deployment. All while ensuring continuous evolution and regulatory compliance with minimal operational impact

Truly Scheme-Agnostic. Globally Connected.

Seamlessly support all major international schemes (Visa, Mastercard, Amex, and Discover) along with domestic networks across 65+ countries, and scale your digital payment strategy through a single, unified approach.

Complete Tokenization Lifecycle Management.

From secure token creation to end-user verification and provisioning on any device, Thales D1 manages the full token lifecycle, enabling a seamless, secure, and consistent digital card experience across every channel for your cardholders.

Advanced Rule Management for Fraud Prevention.

Define, configure, and operate your own decision rules to maintain full control over tokenization risk, empowering your teams with transparent, issuer-owned decisioning for stronger security and reduced fraud.

Use Cases

Digitization and provision of the Apple Pay token into the mobile device wallet of the cardholder.

Execution of the complete tokenization flow, initiated by Apple Pay, including ID&V decisioning ruled by the issuers.

Digitization of the payment card initiated by a e-commerce merchant (i.e Netflix, Amazon, Printemps...). Our Tokenization product handles all tokenization steps. Cardholders could then use their digital cards for their recurring payments with higher security and convenience.

Digitization of the physical card that has been enrolled into Click to Pay (as a specific Token Requestor belonging to the payment schemes). Cardholders own digital cards in their Click to Pay profile that could be used on e-commerce.