Network token
Auth & security
A scheme-issued token that replaces the underlying PAN for stored or in-transit use. Visa Token Service (VTS) and Mastercard Digital Enablement Service (MDES) issue tokens that automatically update when the underlying card is reissued, dramatically reducing recurring-billing failures and PCI scope.
In practice.
Network tokens replace the PAN with a scheme-issued token that survives card reissuance and carries richer trust signals to the issuer. For card-on-file and subscription merchants, they lift approval rates and reduce the impact of expired cards. Support depends on your gateway and acquirer, so ask for it explicitly.
Related terms: Tokenization · Card-on-File · PAN · PCI DSS
Auth & security