Higher approval rates, lower fees, less churn
Lift authorization rates by 2-3%, cut fraud and stop losing customers to expired cards. With Evervault, you own your network tokens and they work across PSPs.
What are network tokens?
Network tokens are the new standard for processing online transactions. They improve the security of cardholder data, increase acceptance rates, and decrease processing costs.
Network tokens act as a substitute for card numbers. Directly issued by card networks, they’re designed to work across processors and are automatically updated whenever cards change or expire.
Reduce fraud rates
Unlike card numbers, network tokens are bound to the merchant. To a hacker, a merchant token is useless. Network tokens have been shown to reduce fraud by 26%.
Maximize revenue
Network tokens increase authorization rates by 2-3%, lower interchange fees (under Visa DCAP), and reduce churn from expired or reissued cards. Plus, they’re compatible with most PSPs.
Enhance user experience
Network tokens ensure that customers do not need to manually update card information. This, as well as higher acceptance rates, means they provide a frictionless, world-class payment experience for your customers.
Implement network tokens with ease
Skip months of negotiation, integration, and delays. Evervault’s integration with Visa and Mastercard lets you get up and running with network tokens instantly.
Onboard a merchant
Use the Evervault API to onboard a merchant. Just provide basic metadata about the merchant, and Evervault can directly enroll them with the token schemes and obtain a Token Requestor ID on your behalf.
Create a network token
Send us the card data (or Evervault tokens) and we’ll create a token with the relevant network for you.
Generate a cryptogram
For customer-initiated transactions, a cryptogram is required to authorize a transaction. Simply send Evervault a cryptogram request and we’ll return the token and the cryptogram.
Process a transaction
Send the network token and cryptogram to any gateway of your choice. Take advantage of the reduced fees and higher authorization rates.
Webinar
A practical guide to network tokens
Curious about network tokens but unsure how they work or how to get started? Watch this 1-hour webinar with our CEO, Shane Curran, to get practical advice on network tokens.
Unify your network tokenization setup with Evervault
One integration
Immediate access to Visa and Mastercard network tokens. American Express support is coming soon.
Flexible
Use Evervault network tokens alongside standard Evervault Tokens to control your own payment data and use any PSP.
Instant onboarding
Avoid months of negotiations, phone calls, and project fees with each payment network. Integrate immediately with Evervault’s pre-existing connections.
Compliance cost savings
Network tokens do not fall under PCI DSS. Offload the burden of PCI compliance to Evervault and the card networks.
Reduce churn
Network tokens are automatically updated when a card expires or is reissued, significantly reducing churn from failed recurring or card-on-file payments.
Independent
Unlike competitors, Evervault is not affiliated with any payment gateway, processor, or network. We operate independently and ensure you’re not locked into one payment provider.
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Compatible with each Evervault Primitive
Primitives are building blocks for developers. They're fundamental, interoperable products for constructing any data security or compliance workflow.
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Meet compliance requirements. Build customer trust.
Use Evervault’s flexible building blocks to keep your customers’ data secure and compliant at all times.
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