When your cardholder pays with an Adyen-issued card, the merchant receives the network token instead of the card details. The merchant then sends the network token to the card scheme and Adyen. Adyen then decodes the network token and validates the corresponding card details on behalf of the merchant.<\/p>\n
\n- Reduced friction: network tokens are maintained by card schemes, which reduces the number of declined payments.<\/li>\n
- Higher authorization rates: payments made with network tokens have higher authorization rates than payments with raw card details.<\/li>\n
- Increased security: each transaction is protected by a one-time use cryptogram.<\/li>\n<\/ul>\n
Adyen supports two types of network tokens:<\/p>\n
\n- Network tokens for digital wallets<\/a><\/strong>: This allows your cardholder to add their card to a digital wallet. Instead of storing your cardholder's raw data, the digital wallet receives a network token from Adyen.<\/li>\n
- Card-on-file network tokens<\/a><\/strong>: This allows your cardholder to make single or recurring payments to a specific merchant. Instead of processing payments using your cardholder's raw data, the merchant uses a network token provided by Adyen.<\/li>\n<\/ul>\n
Lifecycle of a network token<\/h2>\n
Adyen creates a network token upon the request of a digital wallet or merchant. After it is created, the network token passes through multiple functional statuses during its lifecycle.<\/p>\n
The lifecycle of a network token is as follows:<\/p>\n
\n- A digital wallet or merchant makes a request for a network token.<\/li>\n
- Adyen creates the network token. At this stage, the network token cannot be used and the status is inactive<\/strong><\/span>.<\/li>\n
- Adyen performs a risk analysis on the data included in the request.<\/li>\n
- Based on the outcome of the risk analysis, Adyen approves or declines the network token:\n
\n- If the network token is approved, Adyen updates the status of the token to active<\/strong><\/span>.<\/li>\n
- If the network token is declined, Adyen updates the status of the token to closed<\/strong><\/span>.<\/li>\n<\/ul><\/li>\n
- (Optional) If the network token is active<\/strong><\/span>, you or your cardholder can later update the status of the token to suspended<\/strong><\/span> or closed<\/strong><\/span>.<\/li>\n<\/ol>\n
The following diagram shows how statuses change throughout the lifecycle of a network token.<\/p>\n
![\"\"](\"\/user\/pages\/docs\/07.issuing\/18.network-tokens\/lifecycle-network-token.svg?decoding=auto&fetchpriority=auto\")
<\/p>\n
The following table describes the possible statuses of a network token.<\/p>\n
\n\n\n| Status<\/th>\n | Description<\/th>\n<\/tr>\n<\/thead>\n |
\n\ninactive<\/strong><\/span><\/td>\nThe network token has been created, but it cannot be used yet because the provisioning process has not been completed.This is the initial status of a network token before it becomes active<\/strong><\/span> or permanently closed<\/strong><\/span>.<\/td>\n<\/tr>\n\nactive<\/strong><\/span><\/td>\nThe network token can be used to make payments. The network token becomes active<\/strong><\/span> after:- Adyen approves the network token after completing the risk analysis.<\/li>
- You make a PATCH \/networkTokens\/{networkTokenId}<\/a> request to update the status of a suspended<\/strong><\/span> token.<\/li>
- Your cardholder re-enables a suspended token in their digital wallet.<\/td>\n<\/tr>\n
\nsuspended<\/strong><\/span><\/td>\nThe network token is temporarily disabled and cannot be used for payments. A network token becomes suspended when:- You make a PATCH \/networkTokens\/{networkTokenId}<\/a> request to update the status of the token.<\/li>
- Your cardholder suspends the token on their digital wallet app.<\/li><\/ul>The status of a suspended token can be updated to active<\/strong><\/span> or closed<\/strong><\/span>.<\/td>\n<\/tr>\n
\nclosed<\/strong><\/span><\/td>\nThe token is permanently deactivated and can no longer be used. This status cannot be updated.A network token becomes closed when:- The cardholder removes the card from their wallet.<\/li>
- The merchant deletes the saved card-on-file.<\/li>
- You make a PATCH \/networkTokens\/{networkTokenId}<\/a> request to update the status of the token.<\/li>
- Adyen declines the creation of the network token because the risk analysis was not completed successfully.<\/li><\/ul><\/td>\n<\/tr>\n<\/tbody>\n<\/table>","url":"https:\/\/docs.adyen.com\/pt\/issuing\/network-tokens","articleFields":{"description":"Learn how to use network tokens with your Adyen-issued card.","feedback_component":true,"section_label":"Use network tokens","filters_component":false,"next_steps":[{"title":"Network tokens for digital wallets","description":"Learn the process of creating a network token for a digital wallet.","url":"\/issuing\/tokens-digital-wallet","required":false},{"title":"Card-on-file network tokens","description":"Learn the process of creating a network token through card-on-file tokenization.","url":"\/issuing\/card-on-file-tokens","required":false},{"title":"Webhooks for network tokens","description":"Learn which webhooks Adyen sends for network token lifecycle events.","url":"\/issuing\/webhook-types\/network-tokens-events","required":false}],"parameters":{"directoryPath":"\/issuing"}},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/issuing\/network-tokens","title":"Overview of network tokens","content":"Adyen supports network tokens for Adyen-issued cards. With network tokens, you can create network tokens that your cardholders can use in place of sensitive card details. Your cardholders can use network tokens to securely make payments or add their cards to digital wallets.\nRequirements\nBefore you begin, make sure that you fulfill the following requirements:\n\n\n\nRequirement\nDescription\n\n\n\n\nIntegration type\nYou must have an integration that supports Issuing.\n\n\nSetup steps\nReach out to your Adyen contact to make sure that you have set up a card manufacturing profile.\n\n\n\nNetwork tokens\nNetwork tokens are unique identifiers that replace and represent sensitive card details, such as: \n\nThe 16-digit primary account number (PAN)\nThe card verification code (CVC)\nThe expiry date\n\nWhen your cardholder pays with an Adyen-issued card, the merchant receives the network token instead of the card details. The merchant then sends the network token to the card scheme and Adyen. Adyen then decodes the network token and validates the corresponding card details on behalf of the merchant.\nUsing network tokens has the following benefits:\n\nReduced friction: network tokens are maintained by card schemes, which reduces the number of declined payments.\nHigher authorization rates: payments made with network tokens have higher authorization rates than payments with raw card details.\nIncreased security: each transaction is protected by a one-time use cryptogram.\n\nAdyen supports two types of network tokens:\n\nNetwork tokens for digital wallets: This allows your cardholder to add their card to a digital wallet. Instead of storing your cardholder's raw data, the digital wallet receives a network token from Adyen.\nCard-on-file network tokens: This allows your cardholder to make single or recurring payments to a specific merchant. Instead of processing payments using your cardholder's raw data, the merchant uses a network token provided by Adyen.\n\nLifecycle of a network token\nAdyen creates a network token upon the request of a digital wallet or merchant. After it is created, the network token passes through multiple functional statuses during its lifecycle.\nThe lifecycle of a network token is as follows:\n\nA digital wallet or merchant makes a request for a network token.\nAdyen creates the network token. At this stage, the network token cannot be used and the status is inactive.\nAdyen performs a risk analysis on the data included in the request.\nBased on the outcome of the risk analysis, Adyen approves or declines the network token:\n\nIf the network token is approved, Adyen updates the status of the token to active.\nIf the network token is declined, Adyen updates the status of the token to closed.\n\n(Optional) If the network token is active, you or your cardholder can later update the status of the token to suspended or closed.\n\nThe following diagram shows how statuses change throughout the lifecycle of a network token.\n\nThe following table describes the possible statuses of a network token.\n\n\n\nStatus\nDescription\n\n\n\n\ninactive\nThe network token has been created, but it cannot be used yet because the provisioning process has not been completed.This is the initial status of a network token before it becomes active or permanently closed.\n\n\nactive\nThe network token can be used to make payments. The network token becomes active after:Adyen approves the network token after completing the risk analysis.You make a PATCH \/networkTokens\/{networkTokenId} request to update the status of a suspended token.Your cardholder re-enables a suspended token in their digital wallet.\n\n\nsuspended\nThe network token is temporarily disabled and cannot be used for payments. A network token becomes suspended when:You make a PATCH \/networkTokens\/{networkTokenId} request to update the status of the token.Your cardholder suspends the token on their digital wallet app.The status of a suspended token can be updated to active or closed.\n\n\nclosed\nThe token is permanently deactivated and can no longer be used. This status cannot be updated.A network token becomes closed when:The cardholder removes the card from their wallet.The merchant deletes the saved card-on-file.You make a PATCH \/networkTokens\/{networkTokenId} request to update the status of the token.Adyen declines the creation of the network token because the risk analysis was not completed successfully.\n\n\n","type":"page","locale":"pt","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Adyen Issuing","lvl2":"Overview of network tokens"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/issuing","lvl2":"\/pt\/issuing\/network-tokens"},"levels":3,"category":"Issuing","category_color":"green","tags":["Overview","network","tokens"]},"articleFiles":{"lifecycle-network-token.svg":"
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