Guidance Printed On New Methods EMV® Payment Tokens Can Be Used – EMVCo

Publication and upkeep of the EMV Fee Tokenisation Specification – Technical Framework, to outline the roles, capabilities and requirements that should be adhered to when introducing EMV Payment Tokens to work with the fee ecosystem.

Management of registration programmes to ensure world interoperability and assist transparency of: Token Service Providers, who they are and what tokens they are issuing.

BIN Controllers, to make sure that inside the supporting context of EMV Fee Tokenisation, they’ll successfully implement fee account reference (PAR) without clashes or conflicts using the globally unique EMVCo assigned BIN Controller ID.

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It should be noted that whereas tokens can facilitate many things inside a merchant’s setting, including disparate environments or databases, they can’t be used to authorize a cost. It’s because a token solely represents the current cardholder’s PAN and requires the actual PAN be searched by their third-occasion supplier in the token vault earlier than submitting for fee. For instance, if I changed your Visa card quantity with the token “cookie,” what would an acquirer do if I requested a $100 payment from the cookie? The acquirer would not even know it’s a Visa card, not to mention your PAN.

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