Reduce the risk of fraud by using tokens

The Visa Token Service (VTS), a new security technology from Visa, replaces sensitive account information, such as the 16-digit primary account number, with a unique digital identifier called a token. The token allows payments to be processed without exposing actual account details that could potentially be compromised. Issuers, merchants, and wallet providers can deliver secure mobile payment applications, gain access to third-party digital payment experiences, or securely maintain cards on file in order to offer their customers safe ways to shop online and with mobile devices.

Visa Token Service provides the payment ecosystem with a flexible and scalable way to securely provision and manage digital credentials (tokens) across remote (e-Commerce and m-Commerce) and mobile contactless form factors. In order for payment tokens to provide improved protection against misuse, the token is limited to use in a specific domain, such as token requester, mobile device, merchant, transaction type, or channel.