Boost acceptance and reduce fraud with network tokens
The future of payments is tokenized. Primer unifies and streamlines token generation, application, and management, enabling token use across multiple processors.
3%
Scheme approved
26%
7%
+20%
Reduce fraud
One token to secure them all. Generate a secure token that safeguards transactions and reduces payment declines stemming from suspected fraud.
Optimize experience
A smooth operator. Keep your customers’ card details current to avoid missing out on revenue from churned subscriptions, all while providing your customers with a seamless, hassle-free experience.
Decrease fees
If you can’t beat them, join them. Lower interchange fees by processing payments using network tokens.
"We achieved the flexibility of using a single token across a diverse range of PSPs while exceeding our performance using network tokens."
Vytautas Šernas
Former Head of Payments
Features
Secure and compliant
Save your customers’ details for secure, seamless, one-click repeat purchases or recurring payments with our PCI-L1-compliant vault.
Agnostic tokenization
Centralize card information and provision network tokens for any card. Use them with any processor without the effort.
Card scheme verified
Primer is a Visa and Mastercard-approved partner for the provisioning of network tokens worldwide, giving you complete confidence.
Data insights
Access insights into your network tokens. Visualize key metrics like count, authorization rate, and more. Pinpoint growth opportunities or delve deeper with Observability Pro.
One small switch for you,
one giant uplift for payments
FAQs
What is the current state of issuer adoption of network tokens?
Inconsistent issuer adoption hinders merchant uptake of network tokens. However, Visa and Mastercard have actively collaborated with the issuer community to enhance issuer readiness in recent years. As a result, there has been a substantial increase in token transactions over the past 12 months.
During this transition, using Primer for Network Tokenization lets merchants easily adopt tokens for payments and switch back to PAN when needed. This means merchants can realize all the benefits of network tokens without the risk.
Should a merchant adopt network tokens if it's already using Account Updater?
Combining Account Updater with network tokens offers merchants several advantages. For instance, as network tokens still don’t have 100% coverage, Account Updater bridges any gaps in coverage.
Additionally, network tokens cannot be provisioned if the original card is blocked, lost, stolen, or expired. In such cases, Account Updater ensures merchants can prepare cards accurately before provisioning network tokens.
What options should merchants consider when implementing network tokens?
The most common approach currently used is to use a payment gateway for network tokens, enabling merchants to leverage this technology without undertaking any development efforts.
However, as more merchants explore infrastructure layers, like Primer, there's a growing inclination towards having the infrastructure platform act as the network token provider. This approach offers distinct benefits by enabling the utilization of network tokens across multiple gateways—a capability unavailable when a gateway serves as the token requestor.
The smartest payment decision you’ve ever made
Connect your favorite payment and commerce services, create beautiful customer journeys and expand into new markets fast.
