What are Network Tokens?

Tokenization is the process of protecting sensitive data by replacing it with an algorithmically generated number. When card payment methods are tokenized the cardholder’s primary account number (PAN) is converted into a series of randomly generated numbers/characters representing the card number, or a token.

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Merchant's Server

2. Card PAN

3. EMV Token

Pagos Token

Supported Networks

Coming Soon

  • American Express
  • Discover
  • JCB (pending their launch)
  • UnionPay (pending their launch)
  • Other local networks (eftpos in Australia, Interac in Canada, etc.)

Supported Merchant Countries

Any merchant location using an acquirer or payment service provider that supports Network Tokens.

Supported Merchant Countries


Higher Approval Rates


According to Visa, you can expect a 3-5% increase in approval rates using Network Tokenization.


Reduced Churn


Up to 30% of all cards are reissued each year. Using network tokens can help you avoid lost sales and unnecessary customer churn!

Better Customer Experiences

Show your customers accurate card details when they buy.


Network tokens make it easier to manage card data in your environment, build a payment processing infrastructure, and reduce your PCI scope. They also allow you to remain independent from your gateway/processor.

Why Toucan

Coverage & Support
  • Support for all relevant countries and networks
  • Knowledgeable and responsive customer support
Easy Implementation
  • Integrates quickly into existing vault architecture
  • Get started in minutes with a simple API and full EMVCo functionality
Flexibility & Performance
  • Increase authorization rates
  • We support multiple payment service providers (PSPs) so you have the freedom and control to route payments through the most optimal partners
  • Low latency
  • Cloud-based service

How it Works

  • After integrating with our service, you’ll be able to:
    • Send card details directly from your platform/payment system to Toucan and obtain a Visa, MasterCard, Amex Network Token
    • Receive a cryptogram for tokens so that you can transact with any PSP or acquirer
    • Receive easy-to-use updates about cards so you can keep your customer records updated
    • Provide a better customer experience by showing accurate card art and card details

About Us

We are a passionate team of payments veterans and technologists who know that better data can lead to better outcomes for customers, leading to higher revenue and lower costs for businesses. We know that taking advantage of Network Tokenization should be faster to implement, adaptable to your needs, and fully featured to enable the best cardholder experiences.

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