Fewer declines from expired cards
Card-network tokens replace stored card numbers and update automatically, so returning shoppers and subscriptions keep working.
Why it matters
Higher approval
Issuers approve network-token transactions more often.
Auto-updating
New expiry dates and numbers flow through without the shopper.
Safer
A stolen token is useless outside your merchant account.
What's inside
Provisioning
- Automatic for stored cards
- Works with the Token Vault
- Falls back to card numbers when unavailable
How it works
- 1
Save card
A shopper saves a card at checkout.
- 2
Provision
We request a network token in the background.
- 3
Charge
Future payments use the token and a cryptogram.
- 4
Update
Card changes update the token automatically.
Customer story
Parcelwise
−31%
involuntary subscription churn · Illustrative
Most of our churn was cards expiring, not customers leaving. Fixing that was mostly plumbing.
Priya Raman, Head of Revenue Operations Read the story: Parcelwise