> 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/tokenization/readme.md).

# Tokenization

### 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.

<a href="/pages/eLq7YQNwTRBq48yTvrzG" class="button primary">Explore Docs</a>

{% columns %}
{% column %}

{% endcolumn %}

{% column %}

{% endcolumn %}
{% endcolumns %}

{% columns %}
{% column %}

{% endcolumn %}

{% column %}

{% endcolumn %}
{% endcolumns %}

<div align="left"><figure><img src="/files/j0hXDtU9E4tPU3yjGZnz" alt="" width="101"><figcaption></figcaption></figure></div>

### Why Thales for Tokenization?

{% columns %}
{% column width="25%" valign="middle" %}

<div align="center"><figure><img src="/files/JdqMjs8gXHQ1C6NEcTeS" alt=""><figcaption></figcaption></figure></div>
{% endcolumn %}

{% column width="75%" valign="middle" %}
Thales Tokenization product gives banks a smarter, safer, and fully unified way to access global tokenization.&#x20;
{% endcolumn %}
{% endcolumns %}

{% columns %}
{% column width="75%" valign="middle" %}
With one connection, issuers instantly reach all major tokenization services (MDES, VTS, and Amex TSP) without added complexity.&#x20;
{% endcolumn %}

{% column width="25%" valign="middle" %}

<div align="center"><figure><img src="/files/54wDKctOjTrq63hxvBob" alt=""><figcaption></figcaption></figure></div>
{% endcolumn %}
{% endcolumns %}

{% columns %}
{% column width="25%" %}

<div align="center"><figure><img src="/files/Nh8IIoxbIBBaocwgIJ5N" alt=""><figcaption></figcaption></figure></div>
{% endcolumn %}

{% column width="75%" valign="middle" %}
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.
{% endcolumn %}
{% endcolumns %}

{% columns %}
{% column width="75%" valign="middle" %}
With Tokenization, issuers benefit from faster token activation, stronger security, and a frictionless digital card experience for every customer.
{% endcolumn %}

{% column width="25%" valign="middle" %}

<div align="center"><figure><img src="/files/b72ZanmOX3bVZoxWcUku" alt=""><figcaption></figcaption></figure></div>
{% endcolumn %}
{% endcolumns %}

<div align="left"><figure><img src="/files/j0hXDtU9E4tPU3yjGZnz" alt="" width="101"><figcaption></figcaption></figure></div>

### Complete Tokenization ownership and management

<table data-card-size="large" data-view="cards"><thead><tr><th></th><th></th></tr></thead><tbody><tr><td><img src="/files/Pq9nOzbZVPIaHH0N5BOO" alt="" data-size="original"></td><td><p><strong>Unified API. Effortless Integration.</strong><br></p><p>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</p></td></tr><tr><td><img src="/files/tOYppb4m4jcuz4jiRkis" alt="" data-size="original"></td><td><p><strong>Truly Scheme-Agnostic. Globally Connected.</strong><br></p><p>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.</p></td></tr></tbody></table>

<table data-card-size="large" data-view="cards"><thead><tr><th></th><th></th><th data-hidden data-card-cover data-type="image">Cover image</th></tr></thead><tbody><tr><td><img src="/files/UZDQBlkePp97nf3ebOGs" alt=""></td><td><p><strong>Complete Tokenization Lifecycle Management.</strong><br></p><p>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.</p></td><td></td></tr><tr><td><img src="/files/qsaGcNniO58fjYLge20F" alt=""></td><td><p><strong>Advanced Rule Management for Fraud Prevention.</strong><br></p><p>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.</p></td><td></td></tr></tbody></table>

<div align="left"><figure><img src="/files/j0hXDtU9E4tPU3yjGZnz" alt="" width="101"><figcaption></figcaption></figure></div>

{% columns %}
{% column %}

{% endcolumn %}

{% column %}

{% endcolumn %}
{% endcolumns %}

## Use Cases

{% columns %}
{% column %}

{% endcolumn %}

{% column %}

{% endcolumn %}
{% endcolumns %}

<table data-card-size="large" data-view="cards"><thead><tr><th></th><th data-hidden data-card-cover data-type="image">Cover image</th></tr></thead><tbody><tr><td><p>Digitization and provision of the Apple Pay token into the mobile device wallet of the cardholder. <br></p><p>Execution of the complete tokenization flow, initiated by Apple Pay, including ID&#x26;V decisioning ruled by the issuers.</p></td><td><a href="/files/3m8hMgLCS2hzPaxGWb8q">/files/3m8hMgLCS2hzPaxGWb8q</a></td></tr><tr><td>Digitization of the payment card initiated by a e-commerce merchant (i.e Netflix, Amazon, Printemps...). <br><br>Our Tokenization product handles all tokenization steps. <br><br>Cardholders could then use their digital cards for their recurring payments with higher security and convenience.</td><td><a href="/files/J5Vx7uL0ElHKFG0KE2JS">/files/J5Vx7uL0ElHKFG0KE2JS</a></td></tr></tbody></table>

<table data-card-size="large" data-view="cards"><thead><tr><th></th><th data-hidden data-card-cover data-type="image">Cover image</th></tr></thead><tbody><tr><td>Digitization of the physical card that has been enrolled into Click to Pay (as a specific Token Requestor belonging to the payment schemes). <br><br>Cardholders own digital cards in their Click to Pay profile that could be used on e-commerce.</td><td><a href="/files/0FCk8JAvbhU00EoBzx0c">/files/0FCk8JAvbhU00EoBzx0c</a></td></tr></tbody></table>

{% columns %}
{% column %}

{% endcolumn %}

{% column %}

{% endcolumn %}
{% endcolumns %}

<div align="left"><figure><img src="/files/j0hXDtU9E4tPU3yjGZnz" alt="" width="101"><figcaption></figcaption></figure></div>

## They trust us

{% columns %}
{% column valign="middle" %}

<figure><img src="/files/sq400LAPqrqPMiFxm5Pr" alt="" width="56"><figcaption></figcaption></figure>
{% endcolumn %}

{% column valign="middle" %}

<figure><img src="/files/GePaw7Ai5G2WZKhIDelF" alt="" width="130"><figcaption></figcaption></figure>
{% endcolumn %}

{% column valign="middle" %}

<figure><img src="/files/0woxxueWR4L8QzgwzHyv" alt="" width="141"><figcaption></figcaption></figure>
{% endcolumn %}
{% endcolumns %}

{% columns %}
{% column valign="middle" %}

<figure><img src="/files/qmGViPs2Tst3D9yZp4zA" alt="" width="188"><figcaption></figcaption></figure>
{% endcolumn %}

{% column valign="middle" %}

<figure><img src="/files/g4fXNQRZioQBcgOhny1K" alt="" width="178"><figcaption></figcaption></figure>
{% endcolumn %}

{% column valign="middle" %}

<figure><img src="/files/eWresKeuEmHAOHuXrtsS" alt="" width="97"><figcaption></figcaption></figure>
{% endcolumn %}
{% endcolumns %}

<div align="left"><figure><img src="/files/j0hXDtU9E4tPU3yjGZnz" alt="" width="101"><figcaption></figcaption></figure></div>

{% columns %}
{% column width="91.66666666666666%" valign="middle" %}

### <mark style="color:$primary;">Start Building</mark> with Thales

Accelerate your payment solutions and deliver secure, scalable experiences today.

<a href="https://lp.thalesgroup.com/dev-portal" class="button primary">Contact Us</a>&#x20;

&#x20;
{% endcolumn %}

{% column width="8.333333333333343%" %}

{% endcolumn %}
{% endcolumns %}


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.payments.thalescloud.io/tokenization/readme.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.