Tokenization Types
Learn about the different payment method tokenization types Payabli offers
Types
Some tokenization types are available only in certain accounts. Contact the Payabli team if you have questions.
During the integration process, the Payabli team helps you select the appropriate tokenization type for your needs.
Payabli has three different tokenization types for saved payment methods:
- Merchant Token
- Universal Token
- Network Token
Note that tokenization types for payment methods, like those described in this doc, have nothing to do with API tokens used for authentication with Payabli. For help with API tokens, see Authentication and API Tokens.
Merchant tokens
Merchant tokenization refers to a token that’s limited to use with a single merchant. This means you can use the tokenized method to make payments only with the merchant that created it. This is the default form of tokenization for most cases.
Example: A paypoint saves a customer’s card data. The paypoint isn’t configured for universal or network token types. You can use the storedMethodId only at this paypoint.
Universal tokens
Universal tokenization creates tokens that can be used across your portfolio with the same processor. This means you can use the tokenized method to make payments with your organization’s different merchants connected to the same processor with universal tokens enabled.
Example: Your Payabli organization has several paypoints as part of a franchise that are all configured for universal tokens. One paypoint saves a customer’s card data. The customer could make payments at any of your franchise locations that support universal tokens.
Network tokens
Payabli supports American Express, MasterCard, and Visa network tokens. Discover network tokens aren’t supported.
Network tokenization creates tokens that can be used across your portfolio and outside of Payabli if the external provider supports network tokens. Network tokens can also be used at a non-Payabli affiliated gateway, if they support network tokens. When you save a payment method using network tokenization, Payabli requests a token from the card network. These tokens are stored and managed at the network level.
Example: Your organization has several paypoints as part of a franchise that are all configured for network tokens. One paypoint saves a customer’s card data and uses the network token type. A customer could make payments at any of your franchise locations that are configured to support network tokens. The same token can also be used at the processor’s other merchants that support network tokens, like online retailers and service providers.
Choose a token type
After you’ve completed the integration process and you’re certified for a chosen tokenization type, Payabli configures your paypoints with this token type. When you save a payment method, Payabli automatically applies the appropriate token type (whether merchant, universal, or network) for each payment method. You don’t have to manually select the token type when you save a payment method.
Industry examples
Let’s compare merchant, universal, and network tokens for a fictional fitness club management app, called FitClub Manager, that uses Payabli for payment processing.
In this example, each club location represents a separate paypoint in Payabli.
Merchant Tokens
- When a member signs up and pays their fees at a club that uses FitClub Manager, a unique token is issued that represents the member’s card details.
- The token only works at the club (paypoint) where the member signed up.
Universal Tokens
- When the member first signs up at a club that uses FitClub Manager, a universal token is issued that represents the member’s card details.
- This single token now works for all clubs (paypoints) that use FitClub Manager, regardless of location. The member can pay dues at Club A, pay for classes at Club B, and buy from the smoothie bar at Club C, using the same token.
Network Tokens
- When the member pays club fees on FitClub Manager, the Visa card network issues a token.
- The Visa token works for future Visa transactions for that member at any club that uses FitClub Manager. The member can pay dues at Club A, pay for classes at Club B, and buy from the smoothie bar at Club C, using the same Visa token.
- The member can use the same Visa token across the Visa network where supported.
For members who transact at multiple clubs managed by FitClub Manager, universal and network tokens provide the most seamless experience. They can use one saved payment method across all clubs and transactions in the platform.
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