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Visa Cloud Token Framework (CTF)

CTF is a Visa proprietary framework that aims to enhance security and trust in the e-commerce ecosystem.

This is achieved by adding new APIs in VTS that a merchant or Token requestor can use to send specific requests to the Issuer.

In particular, CTF adds the following features:

  • Device binding.

  • Cardholder verification.

CTF applies only to Card-on-file (COF) digital cards.

Visa Cloud Token Framework overview.

The following sections provide insights regarding how the two flows are orchestrated by the D1 platform.

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