Network tokens

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href="/docs/payments/store-and-manage-credentials" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer inline hover:underline link-text text-sm leading-4 font-light text-black-secondary" id="ga-breadcrumb">Store and manage credentials</a></li><span class="select-none" aria-hidden="true">/</span><li><a href="/docs/payments/store-and-manage-credentials/store-credentials" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer inline hover:underline link-text text-sm leading-4 font-light text-black-secondary" id="ga-breadcrumb">Store credentials</a></li><span class="select-none" aria-hidden="true">/</span><li><a href="/docs/payments/store-and-manage-credentials/store-credentials/network-tokens" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer inline hover:underline link-text text-sm leading-4 font-medium text-black" aria-current="page" id="ga-breadcrumb">Network tokens</a></li></ol></nav><h1 class="flex items-center gap-4 font-semibold text-black max-[376px]:text-[32px] max-[376px]:leading-10 text-[40px] leading-[48px]">Network tokens</h1></div><p class="text-sm font-light leading-4 text-black">Last updated: April 2, 2025</p></header><div class="w-full xl:max-w-[864px]"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Network tokens are unique digital identifiers used to provide symbolic placeholder data across the payment flow, instead of the primary account number (PAN). Using network tokens:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">Reduces declines due to expired or replaced cards because the card schemes automatically update the underlying card details</li><li class="[&amp;&gt;*]:mb-0">Reduces customer friction because the underlying card details are updated by the card schemes without any action by the customer</li><li class="[&amp;&gt;*]:mb-0">Provides an additional security layer and reduces the risk of fraud because sensitive card details are only ever exposed to the card scheme and issuer</li></ul><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Visa and Mastercard provision network tokens via the Visa Token Service (VTS) and Mastercard Digital Enablement Service (MDES), respectively.</p><div class="relative grid gap-6 p-6 rounded-lg text-black w-full bg-blue-500 mb-10"><div class="flex gap-4 items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 16" focusable="false" class="inline-block shrink-0 w-6 h-6"><circle cx="7.5" cy="7.5" r="7" stroke="currentColor"></circle><path fill="currentColor" d="M7 10V3h1v7zM8 12H7v-1h1z"></path></svg><h3 class="text-lg leading-6 font-semibold">Information</h3></div><div class="[&amp;&gt;*]:mb-0"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">For more information, see the <a href="https://www.checkout.com/blog/network-tokens-explained" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100" rel="noopener noreferrer">network tokens</a> blog post.</p></div></div><hr class="border-0 border-t border-grey-100 mb-10"/><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h2 class="flex items-center gap-4 font-semibold text-black text-xl">Network tokenization process</h2><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="anchor-nav-item absolute -top-[200px]" data-content="Networktokenizationprocess" id="Network_tokenization_process"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">When you request network tokenization, the transaction goes through the following process:</p><ol class="list-decimal [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">Initialization – The customer enters their full card details during checkout on your website.</li><li class="[&amp;&gt;*]:mb-0">Provisioning request – You share the full card details with Checkout.com via the payment request. Checkout.com uses the card details to request a network token from the card scheme.</li><li class="[&amp;&gt;*]:mb-0">Network token processing – The card scheme automatically generates a network token and shares this with the issuer and Checkout.com.</li><li class="[&amp;&gt;*]:mb-0">Storage – Checkout.com stores the network token in your Vault for future use.</li></ol><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">In future payment requests you can use the network token instead of the full card details. If you do so, the transaction goes through the following process:</p><ol class="list-decimal [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">Authorization – You request a payment using a card or payment instrument. If Checkout.com detects that a network token is available, we send this to the card network instead of the card details. The card network generates a cryptogram for the authorization which is unique to the combination of the network token, the merchant, and the specific transaction.</li><li class="[&amp;&gt;*]:mb-0">Decryption – The card scheme decrypts the network token to retrieve the card details. The details are shared with the issuer for verification.</li><li class="[&amp;&gt;*]:mb-0">Payment processing – The issuer verifies the card details. The transaction is processed and the payment is approved.</li></ol><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">If the customer&#x27;s card expires or is replaced, the card scheme automatically updates the network token&#x27;s underlying card details. </p><hr class="border-0 border-t border-grey-100 mb-10"/><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h2 class="flex items-center gap-4 font-semibold text-black text-xl">Asynchronous and synchronous provisioning</h2><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="anchor-nav-item absolute -top-[200px]" data-content="Asynchronousandsynchronousprovisioning" id="Asynchronous_and_synchronous_provisioning"></span></div><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Asynchronous provisioning</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="Asynchronousprovisioning" id="Asynchronous_provisioning"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">By default, network tokens are provisioned asynchronously. </p><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">The initial payment in which you request provisioning is processed with full PAN (FPAN), while the card details are tokenized in the background.</p><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">If provisioning is successful, you can use the network token in subsequent payment requests.</p><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Synchronous provisioning</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="Synchronousprovisioning" id="Synchronous_provisioning"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">The initial payment in which you request provisioning is not processed until a network token is available.</p><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">If provisioning is successful, you can use the network token to process the initial payment.</p><div class="relative grid gap-6 p-6 rounded-lg text-black w-full bg-blue-500 mb-10"><div class="flex gap-4 items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 16" focusable="false" class="inline-block shrink-0 w-6 h-6"><circle cx="7.5" cy="7.5" r="7" stroke="currentColor"></circle><path fill="currentColor" d="M7 10V3h1v7zM8 12H7v-1h1z"></path></svg><h3 class="text-lg leading-6 font-semibold">Information</h3></div><div class="[&amp;&gt;*]:mb-0"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">To enable synchronous provisioning, contact your account manager or <a href="https://dashboard.checkout.com/support/new?topic=case_configuration_change&amp;issue=case_configuration_issue_operational_change_request" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100" rel="noopener noreferrer">request support</a>.</p></div></div><hr class="border-0 border-t border-grey-100 mb-10"/><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h2 class="flex items-center gap-4 font-semibold text-black text-xl">Request network token provisioning</h2><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="anchor-nav-item absolute -top-[200px]" data-content="Requestnetworktokenprovisioning" id="Request_network_token_provisioning"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">By default, Checkout.com automatically:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">Requests network token provisioning on your behalf if you request a Visa or Mastercard payment with a new card</li><li class="[&amp;&gt;*]:mb-0">Provides a network token if you request a payment with a card that was already provisioned</li></ul><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">If you do not want to request network token provisioning, set the <code class="py-[2px] px-2 rounded text-grey-800 bg-grey-100 font-code text-sm font-normal break-words">processing.provision_network_token</code> field to <code class="py-[2px] px-2 rounded text-grey-800 bg-grey-100 font-code text-sm font-normal break-words">false</code> in your payment request.</p><div class="relative grid gap-6 p-6 rounded-lg text-black w-full bg-blue-500 mb-10"><div class="flex gap-4 items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 16" focusable="false" class="inline-block shrink-0 w-6 h-6"><circle cx="7.5" cy="7.5" r="7" stroke="currentColor"></circle><path fill="currentColor" d="M7 10V3h1v7zM8 12H7v-1h1z"></path></svg><h3 class="text-lg leading-6 font-semibold">Information</h3></div><div class="[&amp;&gt;*]:mb-0"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">You can also request network token provisioning when you <a href="https://api-reference.checkout.com/#operation/createAnInstrument!path=1/type&amp;t=request" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100" rel="noopener noreferrer">Create an instrument</a> by setting the <code class="py-[2px] px-2 rounded text-grey-800 bg-grey-100 font-code text-sm font-normal break-words">network_token.provision</code> field to <code class="py-[2px] px-2 rounded text-grey-800 bg-grey-100 font-code text-sm font-normal break-words">true</code>.</p></div></div><button type="button" aria-hidden="true" style="position:fixed;top:1px;left:1px;width:1px;height:0;padding:0;margin:-1px;overflow:hidden;clip:rect(0, 0, 0, 0);white-space:nowrap;border-width:0"></button><div class=""><div class="w-full border-b border-grey-100" role="tablist" aria-orientation="horizontal"></div><div class="pt-4"><div class="" aria-hidden="false" id="headlessui-tabs-panel-:Rb9otlan6:" role="tabpanel" tabindex="0" data-headlessui-state="selected"><div class="group relative mb-10"><div class="rounded-lg bg-grey-100 p-[15px] pr-14"><div class="flex gap-2 overflow-auto whitespace-nowrap [&amp;&gt;span&gt;p]:m-0 [&amp;&gt;span&gt;p]:p-0"><p class="font-medium inline-block rounded px-1.5 tag text-[12px] whitespace-nowrap uppercase py-1 font-[Courier,_monospace] bg-blue-200 border-blue-200 text-black" type="post">post</p><span><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0"><code class="py-[2px] px-2 rounded text-grey-800 bg-grey-100 font-code text-sm font-normal break-words">https://api.checkout.com/payments</code></p></span></div><div class="absolute right-[15px] top-1/2 -translate-y-1/2 text-2xs leading-[0px]"><span><button class="whitespace-nowrap rounded-lg w-fit h-fit focus:border-blue-100 md:opacity-0 md:transition-opacity md:duration-500 md:group-hover:opacity-100" id="ga-copy-code" aria-label="Copy to Clipboard" type="button"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 16" focusable="false" class="h-6 w-6"><path fill="currentColor" d="M5.5 2c-.3 0-.5.2-.5.5a.5.5 0 0 1-1 0C4 1.7 4.7 1 5.5 1h8c.8 0 1.5.7 1.5 1.5v8c0 .8-.7 1.5-1.5 1.5a.5.5 0 0 1 0-1c.3 0 .5-.2.5-.5v-8c0-.3-.2-.5-.5-.5zM2 13.5c0 .3.2.5.5.5h8c.3 0 .5-.2.5-.5v-8c0-.3-.2-.5-.5-.5h-8c-.3 0-.5.2-.5.5zm10-8v8c0 .8-.7 1.5-1.5 1.5h-8c-.8 0-1.5-.7-1.5-1.5v-8C1 4.7 1.7 4 2.5 4h8c.8 0 1.5.7 1.5 1.5"></path></svg></button></span></div></div></div></div><div class="hidden" aria-hidden="true" id="headlessui-tabs-panel-:Rd9otlan6:" role="tabpanel" tabindex="-1" data-headlessui-state=""><div class="group relative mb-10"><div class="rounded-lg bg-grey-100 p-[15px] pr-14"><div class="flex gap-2 overflow-auto whitespace-nowrap [&amp;&gt;span&gt;p]:m-0 [&amp;&gt;span&gt;p]:p-0"><p class="font-medium inline-block rounded px-1.5 tag text-[12px] whitespace-nowrap uppercase py-1 font-[Courier,_monospace] bg-blue-200 border-blue-200 text-black" type="post">post</p><span><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0"><code class="py-[2px] px-2 rounded text-grey-800 bg-grey-100 font-code text-sm font-normal break-words">https://api.sandbox.checkout.com/payments</code></p></span></div><div class="absolute right-[15px] top-1/2 -translate-y-1/2 text-2xs leading-[0px]"><span><button class="whitespace-nowrap rounded-lg w-fit h-fit focus:border-blue-100 md:opacity-0 md:transition-opacity md:duration-500 md:group-hover:opacity-100" id="ga-copy-code" aria-label="Copy to Clipboard" type="button"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 16" focusable="false" class="h-6 w-6"><path fill="currentColor" d="M5.5 2c-.3 0-.5.2-.5.5a.5.5 0 0 1-1 0C4 1.7 4.7 1 5.5 1h8c.8 0 1.5.7 1.5 1.5v8c0 .8-.7 1.5-1.5 1.5a.5.5 0 0 1 0-1c.3 0 .5-.2.5-.5v-8c0-.3-.2-.5-.5-.5zM2 13.5c0 .3.2.5.5.5h8c.3 0 .5-.2.5-.5v-8c0-.3-.2-.5-.5-.5h-8c-.3 0-.5.2-.5.5zm10-8v8c0 .8-.7 1.5-1.5 1.5h-8c-.8 0-1.5-.7-1.5-1.5v-8C1 4.7 1.7 4 2.5 4h8c.8 0 1.5.7 1.5 1.5"></path></svg></button></span></div></div></div></div></div></div><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Request example</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="Requestexample" id="Request_example"></span></div><pre><button type="button" aria-hidden="true" style="position:fixed;top:1px;left:1px;width:1px;height:0;padding:0;margin:-1px;overflow:hidden;clip:rect(0, 0, 0, 0);white-space:nowrap;border-width:0"></button><div class="mb-8 flex flex-col subpixel-antialiased bg-black-secondary text-white rounded-lg"><button type="button" aria-hidden="true" style="position:fixed;top:1px;left:1px;width:1px;height:0;padding:0;margin:-1px;overflow:hidden;clip:rect(0, 0, 0, 0);white-space:nowrap;border-width:0"></button><div class="flex items-center px-4 border-b rounded-t-lg bg-black border-white/10"><div class="flex gap-2 grow font-light rounded-t-lg bg-black text-xs leading-3 pr-2 overflow-x-auto border-white/10 hide-scroll" role="tablist" aria-orientation="horizontal"><button data-code-block-folder="" class="ga-tabs font-medium ui-selected:border-white ui-not-selected:border-transparent ui-selected:border-b-2 ui-not-selected: px-2 py-4 border-b-2 flex gap-1 items-center" id="headlessui-tabs-tab-:Rcpstlan6:" role="tab" type="button" aria-selected="true" tabindex="0" data-headlessui-state="selected">json</button></div><div class="relative flex items-center"><div class="flex gap-4 ml-auto"></div><div class="absolute -left-8 h-11 max-h-full w-8 bg-gradient-to-l from-black to-transparent"></div></div><button type="button" class="py-1 px-2 rounded text-xs leading-6 disable-child-pointer-events" id="ga-copy-code" aria-label="Copy current example"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 16" focusable="false" class="h-6 w-6"><path fill="currentColor" d="M5.5 2c-.3 0-.5.2-.5.5a.5.5 0 0 1-1 0C4 1.7 4.7 1 5.5 1h8c.8 0 1.5.7 1.5 1.5v8c0 .8-.7 1.5-1.5 1.5a.5.5 0 0 1 0-1c.3 0 .5-.2.5-.5v-8c0-.3-.2-.5-.5-.5zM2 13.5c0 .3.2.5.5.5h8c.3 0 .5-.2.5-.5v-8c0-.3-.2-.5-.5-.5h-8c-.3 0-.5.2-.5.5zm10-8v8c0 .8-.7 1.5-1.5 1.5h-8c-.8 0-1.5-.7-1.5-1.5v-8C1 4.7 1.7 4 2.5 4h8c.8 0 1.5.7 1.5 1.5"></path></svg></button></div><div class="relative"><pre data-line="1" style="color:#fff;background-color:transparent" class="h-full overflow-auto bg-transparent p-4 text-left grow font-code px-0 py-4 text-sm leading-6 w-full overflow-y-auto max-h-full prism-code language-json"><code class="w-full"><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">1</div></span><span class="table-cell max-w-0 pr-2"><span class="token punctuation" style="color:#999999">{</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">2</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;source&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token punctuation" style="color:#999999">{</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">3</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;type&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token string" style="color:#a6e22e">&quot;card&quot;</span><span class="token punctuation" style="color:#999999">,</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">4</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;number&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token string" style="color:#a6e22e">&quot;4242424242424242&quot;</span><span class="token punctuation" style="color:#999999">,</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">5</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;expiry_month&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token number" style="color:#ff9bbf">12</span><span class="token punctuation" style="color:#999999">,</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">6</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;expiry_year&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token number" style="color:#ff9bbf">2022</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">7</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token punctuation" style="color:#999999">}</span><span class="token punctuation" style="color:#999999">,</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">8</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;amount&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token number" style="color:#ff9bbf">6500</span><span class="token punctuation" style="color:#999999">,</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">9</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;currency&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token string" style="color:#a6e22e">&quot;USD&quot;</span><span class="token punctuation" style="color:#999999">,</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">10</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;processing&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token punctuation" style="color:#999999">{</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">11</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;provision_network_token&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token boolean" style="color:#ff9bbf">true</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">12</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token punctuation" style="color:#999999">}</span><span class="token punctuation" style="color:#999999">,</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">13</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;processing_channel_id&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token string" style="color:#a6e22e">&quot;processing_channel_id&quot;</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">14</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"></span><span class="token punctuation" style="color:#999999">}</span></span></div></code></pre></div></div></pre><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Response example</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="Responseexample" id="Response_example"></span></div><pre><button type="button" aria-hidden="true" style="position:fixed;top:1px;left:1px;width:1px;height:0;padding:0;margin:-1px;overflow:hidden;clip:rect(0, 0, 0, 0);white-space:nowrap;border-width:0"></button><div class="mb-8 flex flex-col subpixel-antialiased bg-black-secondary text-white rounded-lg"><button type="button" aria-hidden="true" style="position:fixed;top:1px;left:1px;width:1px;height:0;padding:0;margin:-1px;overflow:hidden;clip:rect(0, 0, 0, 0);white-space:nowrap;border-width:0"></button><div class="flex items-center px-4 border-b rounded-t-lg bg-black border-white/10"><div class="flex gap-2 grow font-light rounded-t-lg bg-black text-xs leading-3 pr-2 overflow-x-auto border-white/10 hide-scroll" role="tablist" aria-orientation="horizontal"><button data-code-block-folder="" class="ga-tabs font-medium ui-selected:border-white ui-not-selected:border-transparent ui-selected:border-b-2 ui-not-selected: px-2 py-4 border-b-2 flex gap-1 items-center" id="headlessui-tabs-tab-:Rcq0tlan6:" role="tab" type="button" aria-selected="true" tabindex="0" data-headlessui-state="selected">json</button></div><div class="relative flex items-center"><div class="flex gap-4 ml-auto"></div><div class="absolute -left-8 h-11 max-h-full w-8 bg-gradient-to-l from-black to-transparent"></div></div><button type="button" class="py-1 px-2 rounded text-xs leading-6 disable-child-pointer-events" id="ga-copy-code" aria-label="Copy current example"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 16" focusable="false" class="h-6 w-6"><path fill="currentColor" d="M5.5 2c-.3 0-.5.2-.5.5a.5.5 0 0 1-1 0C4 1.7 4.7 1 5.5 1h8c.8 0 1.5.7 1.5 1.5v8c0 .8-.7 1.5-1.5 1.5a.5.5 0 0 1 0-1c.3 0 .5-.2.5-.5v-8c0-.3-.2-.5-.5-.5zM2 13.5c0 .3.2.5.5.5h8c.3 0 .5-.2.5-.5v-8c0-.3-.2-.5-.5-.5h-8c-.3 0-.5.2-.5.5zm10-8v8c0 .8-.7 1.5-1.5 1.5h-8c-.8 0-1.5-.7-1.5-1.5v-8C1 4.7 1.7 4 2.5 4h8c.8 0 1.5.7 1.5 1.5"></path></svg></button></div><div class="relative"><pre data-line="1" style="color:#fff;background-color:transparent" class="h-full overflow-auto bg-transparent p-4 text-left grow font-code px-0 py-4 text-sm leading-6 w-full overflow-y-auto max-h-full prism-code language-json"><code class="w-full"><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">1</div></span><span class="table-cell max-w-0 pr-2"><span class="token punctuation" style="color:#999999">{</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">2</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;id&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token string" style="color:#a6e22e">&quot;pay_mbabizu24mvu3mela5njyhpit4&quot;</span><span class="token punctuation" style="color:#999999">,</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">3</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;action_id&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token string" style="color:#a6e22e">&quot;act_mbabizu24mvu3mela5njyhpit4&quot;</span><span class="token punctuation" style="color:#999999">,</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">4</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;amount&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token number" style="color:#ff9bbf">6540</span><span class="token punctuation" style="color:#999999">,</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">5</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;currency&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token string" style="color:#a6e22e">&quot;USD&quot;</span><span class="token punctuation" style="color:#999999">,</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">6</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;approved&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token boolean" style="color:#ff9bbf">true</span><span class="token punctuation" style="color:#999999">,</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">7</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;status&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token string" style="color:#a6e22e">&quot;Authorized&quot;</span><span class="token punctuation" style="color:#999999">,</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">8</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;auth_code&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token string" style="color:#a6e22e">&quot;770687&quot;</span><span class="token punctuation" style="color:#999999">,</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">9</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;response_code&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token string" style="color:#a6e22e">&quot;10000&quot;</span><span class="token punctuation" style="color:#999999">,</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">10</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;response_summary&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token string" style="color:#a6e22e">&quot;Approved&quot;</span><span class="token punctuation" style="color:#999999">,</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">11</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;processed_on&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token string" style="color:#a6e22e">&quot;2024-09-10T10:11:12Z&quot;</span><span class="token punctuation" style="color:#999999">,</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">12</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;processing&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token punctuation" style="color:#999999">{</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">13</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;pan_type_processed&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token string" style="color:#a6e22e">&quot;fpan&quot;</span><span class="token punctuation" style="color:#999999">,</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">14</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;cko_network_token_available&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token boolean" style="color:#ff9bbf">true</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">15</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token punctuation" style="color:#999999">}</span><span class="token punctuation" style="color:#999999">,</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">16</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;links&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token punctuation" style="color:#999999">{</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">17</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;self&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token punctuation" style="color:#999999">{</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">18</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;href&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token string" style="color:#a6e22e">&quot;https://api.sandbox.checkout.com/payments/pay_mbabizu24mvu3mela5njyhpit4&quot;</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">19</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token punctuation" style="color:#999999">}</span><span class="token punctuation" style="color:#999999">,</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">20</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;action&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token punctuation" style="color:#999999">{</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">21</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token property" style="color:#ff9bbf">&quot;href&quot;</span><span class="token operator" style="color:#ff9bbf">:</span><span class="token plain"> </span><span class="token string" style="color:#a6e22e">&quot;https://api.sandbox.checkout.com/payments/pay_mbabizu24mvu3mela5njyhpit4/actions&quot;</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">22</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token punctuation" style="color:#999999">}</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">23</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"> </span><span class="token punctuation" style="color:#999999">}</span><span class="token plain"></span></span></div><div style="color:#fff" class="w-full"><span class="table-cell select-none px-4 text-right opacity-50"><div style="width:16px">24</div></span><span class="table-cell max-w-0 pr-2"><span class="token plain"></span><span class="token punctuation" style="color:#999999">}</span></span></div></code></pre></div></div></pre><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">If provisioning is successful, Checkout.com automatically:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">Uses the network token in future <a href="/docs/payments/accept-payments/accept-a-payment-using-the-payments-api#Request_a_payment_with_a_network_token" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100">payment requests</a></li><li class="[&amp;&gt;*]:mb-0">Keeps the network tokens up to date by handling token lifecycle events from card schemes and issuers</li></ul><hr class="border-0 border-t border-grey-100 mb-10"/><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h2 class="flex items-center gap-4 font-semibold text-black text-xl">View network token provisioning results</h2><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="anchor-nav-item absolute -top-[200px]" data-content="Viewnetworktokenprovisioningresults" id="View_network_token_provisioning_results"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">You can monitor the results of your network token provisioning requests in the Dashboard.</p><ol class="list-decimal [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">Sign in to the <a href="https://dashboard.checkout.com" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100" rel="noopener noreferrer">Dashboard</a>.</li><li class="[&amp;&gt;*]:mb-0">Go to <em>Vault</em> &gt; <em>Network tokens</em>.</li></ol><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">From this page, you can view:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0">The card scheme response to a provisioning request, via a <a href="/docs/developer-resources/codes/network-token-provisioning-codes" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100">network token provisioning code</a></li><li class="[&amp;&gt;*]:mb-0">The percentage of successful and unsuccessful provisioning requests</li><li class="[&amp;&gt;*]:mb-0">The total number of provisioning requests</li><li class="[&amp;&gt;*]:mb-0">A breakdown of the success and failure rates for each card scheme</li><li class="[&amp;&gt;*]:mb-0">A breakdown of the most common failure reasons for each card scheme</li></ul><hr class="border-0 border-t border-grey-100 mb-10"/><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h2 class="flex items-center gap-4 font-semibold text-black text-xl">Full PAN fallback</h2><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="anchor-nav-item absolute -top-[200px]" data-content="FullPANfallback" id="Full_PAN_fallback"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">If a payment you requested using a network token is declined with any of the following <a href="/docs/developer-resources/testing/codes/api-response-codes" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100">API response codes</a>, Checkout.com automatically retries the payment using the full PAN (FPAN):</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&amp;&gt;*]:mb-0"><code class="py-[2px] px-2 rounded text-grey-800 bg-grey-100 font-code text-sm font-normal break-words">20003 - Invalid merchant or service provider</code></li><li class="[&amp;&gt;*]:mb-0"><code class="py-[2px] px-2 rounded text-grey-800 bg-grey-100 font-code text-sm font-normal break-words">20030 - Format error</code></li><li class="[&amp;&gt;*]:mb-0"><code class="py-[2px] px-2 rounded text-grey-800 bg-grey-100 font-code text-sm font-normal break-words">20068 - Response received too late / Timeout</code></li><li class="[&amp;&gt;*]:mb-0"><code class="py-[2px] px-2 rounded text-grey-800 bg-grey-100 font-code text-sm font-normal break-words">20091 - Issuer unavailable or switch is inoperative</code></li><li class="[&amp;&gt;*]:mb-0"><code class="py-[2px] px-2 rounded text-grey-800 bg-grey-100 font-code text-sm font-normal break-words">20096 - System malfunction</code></li></ul><div class="relative grid gap-6 p-6 rounded-lg text-black w-full bg-blue-500 mb-10"><div class="flex gap-4 items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 16" focusable="false" class="inline-block shrink-0 w-6 h-6"><circle cx="7.5" cy="7.5" r="7" stroke="currentColor"></circle><path fill="currentColor" d="M7 10V3h1v7zM8 12H7v-1h1z"></path></svg><h3 class="text-lg leading-6 font-semibold">Information</h3></div><div class="[&amp;&gt;*]:mb-0"><p class="text-base font-normal normal-case text-black mb-8 [&amp;:has(.arrow-link)]:mb-0">Using FPAN may incur a higher scheme fee in some regions. To opt out of full PAN fallback, contact your account manager or <a href="https://dashboard.checkout.com/support/new?topic=case_configuration_change&amp;issue=case_configuration_issue_operational_change_request" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100" rel="noopener noreferrer">request support</a>.</p></div></div><hr class="border-0 border-t border-grey-100 mb-10"/><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h2 class="flex items-center gap-4 font-semibold text-black text-xl">Next steps</h2><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="anchor-nav-item absolute -top-[200px]" data-content="Nextsteps" id="Next_steps"></span></div><div class="grid-cols-12 gap-6 flex md:grid flex-col mb-10"><div class="col-span-12 md:col-span-6 lg:col-span-6"><a href="/docs/developer-resources/codes/network-token-provisioning-codes" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline text-black-secondary link-text hover:no-underline"><div class="bg-white rounded-md p-6 flex flex-col gap-4 border h-full border-grey-100 transition-all hover:shadow hover:border-blue-400"><div class="w-full flex flex-col gap-4"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6"><span class="flex flex-wrap items-center gap-x-2 gap-y-1">Network token provisioning codes </span></h3></div><div class="w-full my-0 font-normal">View Mastercard and Visa responses to network token provisioning requests.</div></div></a></div><div class="col-span-12 md:col-span-6 lg:col-span-6"><a href="/docs/payments/store-and-manage-credentials/update-stored-credentials" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline text-black-secondary link-text hover:no-underline"><div class="bg-white rounded-md p-6 flex flex-col gap-4 border h-full border-grey-100 transition-all hover:shadow hover:border-blue-400"><div class="w-full flex flex-col gap-4"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6"><span class="flex flex-wrap items-center gap-x-2 gap-y-1">Update stored credentials </span></h3></div><div class="w-full my-0 font-normal">Use the Real-Time Account Updater service alongside network tokens to automatically update stored payment credentials.</div></div></a></div></div></div></div><aside class="h-fit sticky mb-3 hidden w-auto xl:flex xl:w-[240px]" style="max-height:calc(100vh - 177px);top:175px"></aside></main></div><div class="bg-black-secondary text-white"><footer class="mx-auto flex max-w-[1360px] flex-col gap-4 px-4 py-12 lg:gap-10 lg:p-16"><a href="/docs" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-white" aria-label="Home"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 188 32" focusable="false" class="h-6"><path fill="#fff" d="m14.042 8.097 3.475 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lg:hidden"><section class="flex flex-col items-start" data-headlessui-state=""><button class="py-6 w-full text-left flex gap-4 items-center justify-between pl-0 text-sm font-medium uppercase tracking-[1.4px] text-white" id="headlessui-disclosure-button-:R9lqn6:" type="button" aria-expanded="false" data-headlessui-state="">Products<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 17" focusable="false" class="transition-transform h-4 w-4 duration-200 ease-in-out"><path stroke="currentColor" d="m2.002 5.46 5.998 6 5.998-6"></path></svg></button><div aria-hidden="true" class="w-full overflow-hidden pl-4 transition-none duration-500" style="max-height:0px" id="headlessui-disclosure-panel-:Rhlqn6:" data-headlessui-state=""><div><div class="flex flex-col gap-0 pb-0 pt-0"><div class="my-2 flex flex-col gap-2"><a href="https://www.checkout.com/products/accept-online" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer 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cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Payment integrations</a><a href="https://www.checkout.com/products/integrated-platforms" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Integrated Platforms</a><a href="https://www.checkout.com/payment-methods" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Payment methods</a><a href="https://www.checkout.com/technology/payment-processing" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Payment processing</a><a 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1.7 0 0 1 1.67 0a1.7 1.7 0 0 1 1.65 1.74m0 3.13H0V16h3.33zm5.33 0H5.33V16h3.32v-5.84c0-3.25 4-3.52 4 0V16H16V8.95a4 4 0 0 0-7.35-2.57z"></path></svg></a></nav></div></div></div></footer></div></div></div></div></div></div></div><script id="__NEXT_DATA__" type="application/json" crossorigin="">{"props":{"pageProps":{"currentBreadcrumb":[{"url":"/payments","name":"Payments"},{"url":"/payments/store-and-manage-credentials","name":"Store and manage credentials"},{"url":"/payments/store-and-manage-credentials/store-credentials","name":"Store credentials"},{"url":"/payments/store-and-manage-credentials/store-credentials/network-tokens","name":"Network tokens"}],"frontmatter":{"title":"Network tokens","account":"NAS","description":"Store a payment card's tokenized primary account number (PAN).","lastUpdated":"April 2, 2025","flag":null},"source":{"compiledSource":"var d=Object.defineProperty,u=Object.defineProperties;var h=Object.getOwnPropertyDescriptors;var r=Object.getOwnPropertySymbols;var i=Object.prototype.hasOwnProperty,s=Object.prototype.propertyIsEnumerable;var p=(e,t,o)=\u003et in e?d(e,t,{enumerable:!0,configurable:!0,writable:!0,value:o}):e[t]=o,a=(e,t)=\u003e{for(var o in t||(t={}))i.call(t,o)\u0026\u0026p(e,o,t[o]);if(r)for(var o of r(t))s.call(t,o)\u0026\u0026p(e,o,t[o]);return e},c=(e,t)=\u003eu(e,h(t));var l=(e,t)=\u003e{var o={};for(var n in e)i.call(e,n)\u0026\u0026t.indexOf(n)\u003c0\u0026\u0026(o[n]=e[n]);if(e!=null\u0026\u0026r)for(var n of r(e))t.indexOf(n)\u003c0\u0026\u0026s.call(e,n)\u0026\u0026(o[n]=e[n]);return o};const makeShortcode=e=\u003efunction(o){return console.warn(\"Component \"+e+\" was not imported, exported, or provided by MDXProvider as global 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Using network tokens:\"),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"Reduces declines due to expired or replaced cards because the card schemes automatically update the underlying card details\"),mdx(\"li\",{parentName:\"ul\"},\"Reduces customer friction because the underlying card details are updated by the card schemes without any action by the customer\"),mdx(\"li\",{parentName:\"ul\"},\"Provides an additional security layer and reduces the risk of fraud because sensitive card details are only ever exposed to the card scheme and issuer\")),mdx(\"p\",null,\"Visa and Mastercard provision network tokens via the Visa Token Service (VTS) and Mastercard Digital Enablement Service (MDES), respectively.\"),mdx(TipBox,{variant:\"info\",mdxType:\"TipBox\"},mdx(\"p\",null,\"For more information, see the \",mdx(\"a\",a({parentName:\"p\"},{href:\"https://www.checkout.com/blog/network-tokens-explained\"}),\"network tokens\"),\" blog post.\")),mdx(\"hr\",null),mdx(\"h2\",null,\"Network tokenization process\"),mdx(\"p\",null,\"When you request network tokenization, the transaction goes through the following process:\"),mdx(\"ol\",null,mdx(\"li\",{parentName:\"ol\"},\"Initialization \\u2013 The customer enters their full card details during checkout on your website.\"),mdx(\"li\",{parentName:\"ol\"},\"Provisioning request \\u2013 You share the full card details with Checkout.com via the payment request. Checkout.com uses the card details to request a network token from the card scheme.\"),mdx(\"li\",{parentName:\"ol\"},\"Network token processing \\u2013 The card scheme automatically generates a network token and shares this with the issuer and Checkout.com.\"),mdx(\"li\",{parentName:\"ol\"},\"Storage \\u2013 Checkout.com stores the network token in your Vault for future use.\")),mdx(\"p\",null,\"In future payment requests you can use the network token instead of the full card details. If you do so, the transaction goes through the following process:\"),mdx(\"ol\",null,mdx(\"li\",{parentName:\"ol\"},\"Authorization \\u2013 You request a payment using a card or payment instrument. If Checkout.com detects that a network token is available, we send this to the card network instead of the card details. The card network generates a cryptogram for the authorization which is unique to the combination of the network token, the merchant, and the specific transaction.\"),mdx(\"li\",{parentName:\"ol\"},\"Decryption \\u2013 The card scheme decrypts the network token to retrieve the card details. The details are shared with the issuer for verification.\"),mdx(\"li\",{parentName:\"ol\"},\"Payment processing \\u2013 The issuer verifies the card details. The transaction is processed and the payment is approved.\")),mdx(\"p\",null,\"If the customer's card expires or is replaced, the card scheme automatically updates the network token's underlying card details. \"),mdx(\"hr\",null),mdx(\"h2\",null,\"Asynchronous and synchronous provisioning\"),mdx(\"h3\",null,\"Asynchronous provisioning\"),mdx(\"p\",null,\"By default, network tokens are provisioned asynchronously. \"),mdx(\"p\",null,\"The initial payment in which you request provisioning is processed with full PAN (FPAN), while the card details are tokenized in the background.\"),mdx(\"p\",null,\"If provisioning is successful, you can use the network token in subsequent payment requests.\"),mdx(\"h3\",null,\"Synchronous provisioning\"),mdx(\"p\",null,\"The initial payment in which you request provisioning is not processed until a network token is available.\"),mdx(\"p\",null,\"If provisioning is successful, you can use the network token to process the initial payment.\"),mdx(TipBox,{variant:\"info\",mdxType:\"TipBox\"},mdx(\"p\",null,\"To enable synchronous provisioning, contact your account manager or \",mdx(\"a\",a({parentName:\"p\"},{href:\"https://dashboard.checkout.com/support/new?topic=case_configuration_change\u0026issue=case_configuration_issue_operational_change_request\"}),\"request support\"),\".\")),mdx(\"hr\",null),mdx(\"h2\",null,\"Request network token provisioning\"),mdx(\"p\",null,\"By default, Checkout.com automatically:\"),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"Requests network token provisioning on your behalf if you request a Visa or Mastercard payment with a new card\"),mdx(\"li\",{parentName:\"ul\"},\"Provides a network token if you request a payment with a card that was already provisioned\")),mdx(\"p\",null,\"If you do not want to request network token provisioning, set the \",mdx(\"inlineCode\",{parentName:\"p\"},\"processing.provision_network_token\"),\" field to \",mdx(\"inlineCode\",{parentName:\"p\"},\"false\"),\" in your payment request.\"),mdx(TipBox,{variant:\"info\",mdxType:\"TipBox\"},mdx(\"p\",null,\"You can also request network token provisioning when you \",mdx(\"a\",a({parentName:\"p\"},{href:\"https://api-reference.checkout.com/#operation/createAnInstrument!path=1/type\u0026t=request\"}),\"Create an instrument\"),\" by setting the \",mdx(\"inlineCode\",{parentName:\"p\"},\"network_token.provision\"),\" field to \",mdx(\"inlineCode\",{parentName:\"p\"},\"true\"),\".\")),mdx(Tabs,{mdxType:\"Tabs\"},mdx(Tab,{title:\"Live\",mdxType:\"Tab\"},mdx(APILineCodeWrapper,{type:\"post\",mdxType:\"APILineCodeWrapper\"},mdx(\"p\",null,mdx(\"inlineCode\",{parentName:\"p\"},\"https://api.checkout.com/payments\")))),mdx(Tab,{title:\"Sandbox\",mdxType:\"Tab\"},mdx(APILineCodeWrapper,{type:\"post\",mdxType:\"APILineCodeWrapper\"},mdx(\"p\",null,mdx(\"inlineCode\",{parentName:\"p\"},\"https://api.sandbox.checkout.com/payments\"))))),mdx(\"h3\",null,\"Request example\"),mdx(\"pre\",null,mdx(\"code\",a({parentName:\"pre\"},{className:\"language-json\"}),`{\n \"source\": {\n \"type\": \"card\",\n \"number\": \"4242424242424242\",\n \"expiry_month\": 12,\n \"expiry_year\": 2022\n },\n \"amount\": 6500,\n \"currency\": \"USD\",\n \"processing\": {\n \"provision_network_token\": true\n },\n \"processing_channel_id\": \"processing_channel_id\"\n}\n`)),mdx(\"h3\",null,\"Response example\"),mdx(\"pre\",null,mdx(\"code\",a({parentName:\"pre\"},{className:\"language-json\"}),`{\n \"id\": \"pay_mbabizu24mvu3mela5njyhpit4\",\n \"action_id\": \"act_mbabizu24mvu3mela5njyhpit4\",\n \"amount\": 6540,\n \"currency\": \"USD\",\n \"approved\": true,\n \"status\": \"Authorized\",\n \"auth_code\": \"770687\",\n \"response_code\": \"10000\",\n \"response_summary\": \"Approved\",\n \"processed_on\": \"2024-09-10T10:11:12Z\",\n \"processing\": {\n \"pan_type_processed\": \"fpan\",\n \"cko_network_token_available\": true\n },\n \"links\": {\n \"self\": {\n \"href\": \"https://api.sandbox.checkout.com/payments/pay_mbabizu24mvu3mela5njyhpit4\"\n },\n \"action\": {\n \"href\": \"https://api.sandbox.checkout.com/payments/pay_mbabizu24mvu3mela5njyhpit4/actions\"\n }\n }\n}\n`)),mdx(\"p\",null,\"If provisioning is successful, Checkout.com automatically:\"),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"Uses the network token in future \",mdx(\"a\",a({parentName:\"li\"},{href:\"/payments/accept-payments/accept-a-payment-using-the-payments-api#Request_a_payment_with_a_network_token\"}),\"payment requests\")),mdx(\"li\",{parentName:\"ul\"},\"Keeps the network tokens up to date by handling token lifecycle events from card schemes and issuers\")),mdx(\"hr\",null),mdx(\"h2\",null,\"View network token provisioning results\"),mdx(\"p\",null,\"You can monitor the results of your network token provisioning requests in the Dashboard.\"),mdx(\"ol\",null,mdx(\"li\",{parentName:\"ol\"},\"Sign in to the \",mdx(\"a\",a({parentName:\"li\"},{href:\"https://dashboard.checkout.com\"}),\"Dashboard\"),\".\"),mdx(\"li\",{parentName:\"ol\"},\"Go to \",mdx(\"em\",{parentName:\"li\"},\"Vault\"),\" \u003e \",mdx(\"em\",{parentName:\"li\"},\"Network tokens\"),\".\")),mdx(\"p\",null,\"From this page, you can view:\"),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"The card scheme response to a provisioning request, via a \",mdx(\"a\",a({parentName:\"li\"},{href:\"/developer-resources/codes/network-token-provisioning-codes\"}),\"network token provisioning code\")),mdx(\"li\",{parentName:\"ul\"},\"The percentage of successful and unsuccessful provisioning requests\"),mdx(\"li\",{parentName:\"ul\"},\"The total number of provisioning requests\"),mdx(\"li\",{parentName:\"ul\"},\"A breakdown of the success and failure rates for each card scheme\"),mdx(\"li\",{parentName:\"ul\"},\"A breakdown of the most common failure reasons for each card scheme\")),mdx(\"hr\",null),mdx(\"h2\",null,\"Full PAN fallback\"),mdx(\"p\",null,\"If a payment you requested using a network token is declined with any of the following \",mdx(\"a\",a({parentName:\"p\"},{href:\"/developer-resources/testing/codes/api-response-codes\"}),\"API response codes\"),\", Checkout.com automatically retries the payment using the full PAN (FPAN):\"),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},mdx(\"inlineCode\",{parentName:\"li\"},\"20003 - Invalid merchant or service provider\")),mdx(\"li\",{parentName:\"ul\"},mdx(\"inlineCode\",{parentName:\"li\"},\"20030 - Format error\")),mdx(\"li\",{parentName:\"ul\"},mdx(\"inlineCode\",{parentName:\"li\"},\"20068 - Response received too late / Timeout\")),mdx(\"li\",{parentName:\"ul\"},mdx(\"inlineCode\",{parentName:\"li\"},\"20091 - Issuer unavailable or switch is inoperative\")),mdx(\"li\",{parentName:\"ul\"},mdx(\"inlineCode\",{parentName:\"li\"},\"20096 - System malfunction\"))),mdx(TipBox,{variant:\"info\",mdxType:\"TipBox\"},mdx(\"p\",null,\"Using FPAN may incur a higher scheme fee in some regions. To opt out of full PAN fallback, contact your account manager or \",mdx(\"a\",a({parentName:\"p\"},{href:\"https://dashboard.checkout.com/support/new?topic=case_configuration_change\u0026issue=case_configuration_issue_operational_change_request\"}),\"request support\"),\".\")),mdx(\"hr\",null),mdx(\"h2\",null,\"Next steps\"),mdx(CardGrid,{cardsInRow:{desktop:2,mobile:1},mdxType:\"CardGrid\"},mdx(Card,{href:\"/developer-resources/codes/network-token-provisioning-codes\",mdxType:\"Card\"},mdx(CardHeader,{mdxType:\"CardHeader\"},mdx(CardTitle,{mdxType:\"CardTitle\"},\"Network token provisioning codes\")),mdx(CardBody,{mdxType:\"CardBody\"},\"View Mastercard and Visa responses to network token provisioning requests.\")),mdx(Card,{href:\"/payments/store-and-manage-credentials/update-stored-credentials\",mdxType:\"Card\"},mdx(CardHeader,{mdxType:\"CardHeader\"},mdx(CardTitle,{mdxType:\"CardTitle\"},\"Update stored credentials\")),mdx(CardBody,{mdxType:\"CardBody\"},\"Use the Real-Time Account Updater service alongside network tokens to automatically update stored payment credentials.\"))))}MDXContent.isMDXComponent=!0;\n","scope":{"title":"Network tokens","account":"NAS","description":"Store a payment card's tokenized primary account number (PAN).","lastUpdated":"April 2, 2025","flag":null}},"childrenArticles":[],"showAuthorSection":true,"menuNavigationItems":[{"id":"/payments","title":"Payments","path":"/payments","children":[{"id":"/payments/accept-payments","title":"Accept payments","path":"/payments/accept-payments","children":[{"id":"/payments/accept-payments/payments-solution-comparison","title":"Payments solution comparison","path":"/payments/accept-payments/payments-solution-comparison","children":[]},{"id":"/payments/accept-payments/accept-a-payment-using-the-payments-api","title":"Accept a payment using the Payments 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