woman receiving payment on terminal

Token Management

Ensuring secure and convenient digital payments

Contact us

Digital enablement through EMV tokenization.

With the ongoing digital acceleration, digital payments and tokenization become staple enablers for banks to stay in the race for innovation. Payments with mobile devices are an important part of the digital transformation of our clients. However, despite the convenience they offer for the cardholders, they can pose substantial challenges for security and deployment models.

point of sale token purchase

Convenience for cardholders

Cardholder’s access to seamless and secure payments with mobile/wearable devices and tokenized cards on file for e-commerce transactions. Guarantee of payment continuity even when card is lost, stolen or expired.

womand making a payment at restaurant

Increased security

Higher security and lower fraud risk of token-based payments compared to PAN-based payments thanks to EMV tokenization.

business manager discussing data displayed on monitors with colleague

Improved authorization rate

By substituting the PAN with a token, the number of risky transaction elements impacting fraud-scoring reduces, leading to higher authorization approval rates and lower false declines.

smiling business people looking at laptop in meeting

Differentiating solution

Innovative and differentiating solution for banks to compete with FinTechs and Neo banks and to keep their tech-savvy cardholders satisfied.

Token Management

Token Management is a solution for issuing banks to act as an “Issuer Token Service Provider” and enable their cardholders to benefit from token-based payments in stores, in apps and on the web. As a token orchestrator service for ITSP,  Token Management provides a wide range of offerings and options to meet the business needs of our clients.

Why Token Management?

Commercial flexibility

Stand-alone connected to existing Card Management System or sold with other issuing bricks.

Readiness

With Mastercard, Visa; Apple/Google/Samsung/Garmin/Swatch Pay etc., and an ambitious roadmap.

Expertise

1st payment processor in Europe to deliver robust, secure and compliant solutions.

Fully integrated

ITSP offering fully integrated into issuing value chain.

Established and effective connections

With other key components: front office, back office and authentication.

Token management

Full consideration of token management in the cardholder digital journey.

Choose your solution

Compliance offering

  • One card scheme Visa or MasterCard , 1 country, 1 issuer, 1 deployment phase 
  • Provisioning/orchestration of cof/ecom token (I-TSP roll)
  • Automated Card and Token lifecycle management: blocking, renewal, replacement of a card is reflected in real time on the tokens
  • Business KPI reporting

Standard offering

  • Links with the schemes (Visa VTS or Mastercard MDES) in a secure and compliant manner (PCI)
  • OEM-Pay enablement (Apple Pay and Google Pay or Samsung Pay)
  • E-commerce: Card-on-File (CoF)v
  • In-App provisioning
  • Wallet provisioning
  • Cardholder identification & verification (ID&V)
  • Cardholder notification
  • KPI and OEM reporting

Additional options

  • Automated Card and Token lifecycle management
  • SMS sending costs (on top)
  • Additional consultancy for OEM certification
  • Multi-country, multi-language
  • Additional Token advice service to inform about lifecycle events
  • Consultancy, additional support
worldline token managemen brochure

Convenient payments with mobile devices

Learn how tokenization can help cards issuing banks to improve their cardholder’s digital payment experience. 

Download the brochure Opens in a new tab

Subscribe to the Worldline Financial Services newsletter.

Subscribe

Fast and convenient token-based digital payments.

Worldline offers end-to-end, flexible solutions for secure and convenient digital payment experiences.

Woman with her tablet
  • *
  • *
  • *
  • *
  • *
  • *
  • *
  • *
  •  
     

    • You might also be interested in

    Why choose Worldline?

    Guaranteed compliance and security

    As the leading European provider of payment and transactional services, trust is critical. We have the experience to help you stay compliant with all applicable laws, industry standards, rules and regulations.

    Scalability

    We process over 20.6 billion payments transactions each year thanks to our expertise in local markets and international payment methods. 

     Trusted by big banks

    Operating for over 40 decades, we work with many of Europe’s leading financial institutions.