Canceled tokenization

The End User can cancel Tokenization during step-up authentication.

This happens when the End User deletes the inactive digital card.

In this case, the payment network TSP deletes the digital card.

D1 reports the DIGITIZE operation as FAILED to your issuer backend.

Sequence diagram

End User cancels Tokenization during step-up authentication

Integration notes

1. The payment network TSP deletes the inactive digital card.
2. D1 receives the deletion event from the payment network.
3. D1 notifies your issuer backend using Notify Card Operation:

   • operation=DIGITIZE
   • status=FAILED
4. If End User notifications are enabled, D1 can inform the End User.

What happens next

• Treat this as an End User–initiated cancellation. No digital card is available for LCM.
• If your issuer application shows a user-facing status, map this to “canceled”.
• If you want reminders instead of immediate cancellation handling, see Unfinished tokenization.

This outcome differs from a D1 decision-based Decline.

Here, D1 returned APPROVE with STEP-UP.

The End User then cancels the flow.