Card tokenization flow and events

Credit card tokenization converts sensitive cardholder data to a randomly-generated string of numbers called a token that can be used in payments or other financial transactions. Similar to encryption, tokenization obfuscates the original data to render it unreadable during a digital transmission breach or other exposure.

A tokenized card, stored in a digital wallet, is known as a card on file. The most significant impact you, as an issuer, can have during the tokenization process is to provide an anti-fraud webhook. To create a card on file in a Pismo digital wallet, call the Create card on file endpoint. All other requests for tokenization come from the network to Pismo.

The network communication to Pismo during tokenization involves five basic operations. Depending on network (Visa, Mastercard), they may vary slightly, but they are roughly the same.

  1. Eligibility - The token requestor, such as Samsung Pay or Android Pay, checks if a card can be digitized according to configurations the issuer previously made with the network.

  2. Authentication - The card is ready to be digitized and the authentication process begins. There are three different results depending on eligibility:

    • Approved - The card is digitized, skipping the anti-fraud check. This is the expected outcome.

    • Conditional - The card is digitized after a confirmation method - such as SMS or email challenge - is successful. This is known as ID&V (Identity and Verification).

    • Not approved - The card is not digitized and the denial reason is sent to the issuer.

  3. OTP - In the conditional flow, Pismo sends a challenge to cardholder to confirm identity. This is known as OTP (One-Time Passcode).

  4. Token activated - Once approved, the token is activated.

  5. Token update - 3rd-party entities (network, cardholder, etc.) notify Pismo of any token changes, such as a change in status.

The table below shows the operations and how the two main networks refer to them:

Token operationMastercard (MDES)Visa (VTS)
EligibilityTECheck eligibility
AuthenticationTAApprove provisioning and get cardholder verification method (CVM)
OTPACSend passcode
Token activatedTCToken create notification
Update notificationTVToken notification

Pismo provisioning refusal reasons

These appear in the tokenization events and are also detailed in the anti-fraud webhook. guide, but here are the possible Pismo reasons for refusing a tokenization request contained in the custom_code field:

  • 998 - Card Not Found
  • BNB - Card Other
  • CED - Invalid expiration date
  • CNF - Config Not Found
  • CNN - Card is not in NORMAL status
  • EXPCRD - Expired card
  • FDR - Failed Decrypt Request
  • FLE - Generic refusal
  • FR1 - Failed CVV2 validation
  • FR2 - CVV2 is invalid
  • FRB - CREATED status not allowed
  • FSC - Fail Send Challenge
  • HSE - HSM validation error
  • IRFD - Invalid Request Fields
  • IRJD - Invalid Request Json
  • NPL - Virtual card not allowed
  • OP1 - Internal Error
  • PFT - Anti Fraud Refusal
  • TNF - Token Not Found
  • VNM - Invalid card
  • WLB - Card not in whitelist

Tokenization events

The following are examples of events that occur during the card tokenization process. Except where noted, all of these are notification-1 event examples.

For information on setting up event notifications, see the Data and reporting overview .

For information on interpreting event data from the network, refer to the VISA Token Service (VTS) Issuer API Specifications (JSON) manual or the Mastercard Customer Interface Specification manual.

Mastercard Digital Enablement Service (MDES)

MDES token authorization (TA) provisioning

Important fields:

  • network_data.de48_additional_data_private_user.se26_wallet_program_data.sf1_wallet_identifier
    Wallet identifier:
    103 = apple pay
    216 = google pay
    217 = samsung pay
    327 = merchant tokenization program

  • network_data.de124_member_defined_data.mdes_data.token_authorization.sf2_primary_account_number_source
    PAN source identifier:
    1 = Card on file
    2 = Card added manually
    3 = Card added via application

MDES TA example event
{
  "event_id": "b537543c-4aa7-4163-8566-4cc788b1390d",
  "domain": "cards-tokenization",
  "event_type": "notification",
  "schema_version": "1",
  "org_id": "TN-3a897b16-a18e-47bc-88d2-cf10fb0612b6",
  "cid": "8f4b0482-fac6-4433-8664-5db1523ad75c",
  "timestamp": "2020-12-10T22:36:56.098Z",
  "data": {
    "account_id": 100001185,
    "card_id": 4995608,
    "token_id": 17556,
    "network_call_method": "TA",
    "network_data": {
      "de3_processing_code": {
        "sf1_cardholder_transaction_type_code": "00",
        "sf2_cardholder_from_account_type_code": "00",
        "sf3_cardholder_to_account_type_code": "00"
      },
      "de4_amount_transaction": "000000000000",
      "de5_amount_settlement": "000000000000",
      "de6_amount_cardholder_billing": "000000000000",
      "de7_tranmission_date_and_time": {
        "sf1_date": "1210",
        "sf2_time": "223654"
      },
      "de9_conversion_rate_settlement": {
        "sf1_decimal_indicator": "6",
        "sf2_conversion_rate": "1000000"
      },
      "de10_conversion_rate_cardholder_billing": {
        "sf1_decimal_indicator": "6",
        "sf2_cardholderbilling_conversion_rate": "5178611"
      },
      "de11_stan": "019416",
      "de14_date_expiration": "2607",
      "de15_date_settlement": "1210",
      "de16_date_conversion": "1210",
      "de18_merchant_type": "5969",
      "de22_pos_entry_mode": {
        "sf1_pos_terminal_pan_entry_mode": "01",
        "sf2_pos_terminal_pin_entry_mode": "0"
      },
      "de28_amount_transaction_fee": {},
      "de29_amount_settlement_fee": {},
      "de30_amount_transaction_processing_fee": {},
      "de31_amount_settlement_processing_fee": {},
      "de32_acquiring_institution_id_code": "015611",
      "de37_retrieval_reference_number": {},
      "de42_card_acceptor_id_code": "CARD ACCPT IDC ",
      "de43_card_acceptor_name_location_for_all_transactions": {
        "sf1_card_acceptor_name": "Mastercard             ",
        "sf3_card_acceptor_city": "St. Louis     ",
        "sf5_card_acceptor_state_or_country_code": "MO "
      },
      "de48_additional_data_private_user": {
        "de48_tcc": "T",
        "de48_start": "194",
        "de48_size": "129",
        "de48SubElements": [
          "23",
          "26",
          "33",
          "82",
          "92",
          "56",
          "75",
          "71"
        ],
        "se11_key_exchange_block_data": {},
        "se13_mastercard_hosted_mobile_phone_top_up_request_data": {},
        "se15_authorization_system_advice_date_and_time": {},
        "se18_service_parameters": {},
        "se23_payment_initiation_channel": {
          "sf1_device_type": "21"
        },
        "se25_mastercard_cash_program_data": {},
        "se26_wallet_program_data": {
          "sf1_wallet_identifier": "216"
        },
        "se33_pan_mapping_file_information": {
          "sf1_account_number_indicator": "H",
          "sf6_token_requestor_id": "50120834693",
          "sf8_storage_technology": "01"
        },
        "se34_atc_information": {},
        "se36_visa_mmv": {},
        "se37_additional_merchant_data": {},
        "se40_eletronic_commerce_merchant_cardholder_certificate_serial_number": {},
        "se41_eletronic_commercer_certificate_qualifying_information": {},
        "se42_eletronic_commerce_indicator": {},
        "se43_ucaf": {},
        "se48_mobile_program_indicator": {},
        "se49_time_validation_information": {},
        "se51_merchant_on_behalf_services": {},
        "se55_merchant_fraud_scoring_data": {},
        "se56_security_services_additional_data_for_issuers": [
          {
            "sf1_security_services_indicator": "AIQ",
            "sf2_security_services_data": "5EZ"
          },
          {
            "sf1_security_services_indicator": "AQV",
            "sf2_security_services_data": "445"
          },
          {
            "sf1_security_services_indicator": "AQF",
            "sf2_security_services_data": "144"
          },
          {
            "sf1_security_services_indicator": "AQS",
            "sf2_security_services_data": "007"
          }
        ],
        "se57_security_services_additional_data_for_acquirers": {},
        "se58_atm_additional_data": {},
        "se61_pos_data_extended_condition_codes": {},
        "se64_transit_program": {},
        "se65_terminal_compliant_indicator": {},
        "se67_money_send_information": {},
        "se71_onbehalf_services": [
          {
            "sf1_ob_service": "18",
            "sf2_onbehalf_result1": "C",
            "sf3_onbehalf_result2": " "
          }
        ],
        "se74_additional_processing_information": {},
        "se75_fraud_scoring_data": {
          "sf1_fraud_score": "100",
          "sf2_score_reason_code": "R0",
          "sf3_rules_score": "200",
          "sf4_rules_reason_code1": "R1",
          "sf5_rules_reason_code2": "R2"
        },
        "se78_payment_service_indicator": {},
        "se79_chip_cvr_or_tvr_bit_error_results": {},
        "se82_address_verification_service_request": "52",
        "se87_card_validation_code_result_or_cvv2": "M",
        "se93_fleet_card_id_request_data": {}
      },
      "de49_currency_code_transaction": "840",
      "de50_currency_code_settlement": "840",
      "de51_currency_code_cardholder_billing": "986",
      "de60_advice_reason_code": {},
      "de61_pos_data": {
        "sf1_pos_terminal_attendance": "1",
        "sf2_reserved_for_future_use": "0",
        "sf3_pos_terminal_location": "2",
        "sf4_pos_cardholder_presence": "5",
        "sf5_pos_card_presence": "1",
        "sf6_pos_card_capture_capabilities": "0",
        "sf7_pos_transaction_status": "9",
        "sf8_pos_transaction_security": "0",
        "sf9_reserved_for_future_use": "0",
        "sf10_cardholder_activated_terminal_level": "0",
        "sf11_pos_card_data_terminal_input_capability_indicator": "0",
        "sf12_pos_authorization_life_cycle": "00",
        "sf13_pos_country_code_or_submerchant": "840",
        "sf14_postal_code_or_submerchant": "63368"
      },
      "de63_network_data": {
        "sf1_financial_network_code": "MPL",
        "sf2_banknet_reference_number": "C1WSOE"
      },
      "de90_original_data_elements": {},
      "de94_service_indicator": {},
      "de95_replacement_amounts": {},
      "de97_amount_net_settlement": {},
      "de112_additional_data_national_use": {},
      "de120_record_data": {
        "de120_start": "371",
        "de120_size": "033",
        "sf1_avs_service_indicator1": "04571090 Rua Teste           "
      },
      "de124_member_defined_data": {
        "mdes_data": {
          "sf1_message_type": "TA",
          "token_authorization": {
            "sf1_correlation_id": "D0000009418034",
            "sf2_primary_account_number_source": "2",
            "sf3_payment_application_instance_id": "I_Fdk0fO41xalfllEZl4Gq4jHiIKFPSwyn6BXBk4RzitgSMk",
            "sf4_device_source_ip": "FD8F4942    ",
            "sf5_wallet_provider_account_hash": "123CCB2F30BA420B89F9BD5E7151540EE44DDDB8B5140CDEA34AA61F625EF215",
            "sf6_cardholder_name": "Teste                      ",
            "sf7_wallet_provider_token_recomendation": "2",
            "sf8_wallet_provider_standard_token_recomendation": "01",
            "sf9_wallet_provider_device_score": "1",
            "sf10_wallet_provider_account_score": "4",
            "sf11_number_of_active_tokens": "02",
            "sf12_wallet_service_provider_reason_codes": "00080C",
            "sf13_device_location": "135E2B5D3",
            "sf14_mobile_last_4_digits": "    ",
            "sf15_token_type": "C"
          }
        }
      }
    }
  }
}

MDES activation code (AC)

The AC message brings a code from the network which we have to reply back to the user.

Event occurs if the user chooses the challenges OTPSMS or OTPEMAIL. If the user chooses other challenge methods (app-to-app OTPAPP, call center OTPCALL) the process takes place between the app/call center and the network.

Important fields

  • network_data.de124_member_defined_data.mdes_data.activation_code.sf2_activation_code
    Activation code that should be sent to the cardholder.

  • network_data.de124_member_defined_data.mdes_data.activation_code.sf3_activation_code_expiration_date_time
    Activation code expiration datetime

  • network_data.de124_member_defined_data.mdes_data.activation_code.sf4_consumer_activation_pref_method
    Authentication method choose by cardholder:
    1 - otp SMS
    2 - otp E-MAIL
    3 - otp Call center
    6 - otp APP to APP

MDES AC example event
  {
    "event_id": "82352f8e-aec5-42d1-940d-c39f3b683039",
    "domain": "cards-tokenization",
    "event_type": "notification",
    "schema_version": "1",
    "org_id": "TN-3a897b16-a18e-47bc-88d2-cf10fb0612b6",
    "cid": "5e7671c2-69cd-4554-9ca5-9f49bc11629a",
    "timestamp": "2020-12-10T22:37:27.933Z",
    "data": {
        "account_id": 100001185,
        "card_id": 4995608,
        "token_id": 17556,
        "network_call_method": "AC",
        "network_data": {
            "de3_processing_code": {
                "sf1_cardholder_transaction_type_code": "00",
                "sf2_cardholder_from_account_type_code": "00",
                "sf3_cardholder_to_account_type_code": "00"
            },
            "de4_amount_transaction": "000000000000",
            "de5_amount_settlement": "000000000000",
            "de6_amount_cardholder_billing": "000000000000",
            "de7_tranmission_date_and_time": {
                "sf1_date": "1210",
                "sf2_time": "223727"
            },
            "de9_conversion_rate_settlement": {
                "sf1_decimal_indicator": "6",
                "sf2_conversion_rate": "1000000"
            },
            "de10_conversion_rate_cardholder_billing": {
                "sf1_decimal_indicator": "6",
                "sf2_cardholderbilling_conversion_rate": "5178611"
            },
            "de11_stan": "778092",
            "de14_date_expiration": "2607",
            "de15_date_settlement": "1210",
            "de16_date_conversion": "1210",
            "de18_merchant_type": "5969",
            "de22_pos_entry_mode": {
                "sf1_pos_terminal_pan_entry_mode": "01",
                "sf2_pos_terminal_pin_entry_mode": "0"
            },
            "de28_amount_transaction_fee": {},
            "de29_amount_settlement_fee": {},
            "de30_amount_transaction_processing_fee": {},
            "de31_amount_settlement_processing_fee": {},
            "de32_acquiring_institution_id_code": "015611",
            "de37_retrieval_reference_number": {},
            "de42_card_acceptor_id_code": "CARD ACCPT IDC ",
            "de43_card_acceptor_name_location_for_all_transactions": {
                "sf1_card_acceptor_name": "Mastercard             ",
                "sf3_card_acceptor_city": "St. Louis     ",
                "sf5_card_acceptor_state_or_country_code": "MO "
            },
            "de48_additional_data_private_user": {
                "de48_tcc": "T",
                "de48_start": "194",
                "de48_size": "110",
                "de48SubElements": [
                    "23",
                    "26",
                    "33",
                    "56",
                    "75",
                    "71"
                ],
                "se11_key_exchange_block_data": {},
                "se13_mastercard_hosted_mobile_phone_top_up_request_data": {},
                "se15_authorization_system_advice_date_and_time": {},
                "se18_service_parameters": {},
                "se23_payment_initiation_channel": {
                    "sf1_device_type": "21"
                },
                "se25_mastercard_cash_program_data": {},
                "se26_wallet_program_data": {
                    "sf1_wallet_identifier": "216"
                },
                "se33_pan_mapping_file_information": {
                    "sf1_account_number_indicator": "H",
                    "sf6_token_requestor_id": "50120834693"
                },
                "se34_atc_information": {},
                "se36_visa_mmv": {},
                "se37_additional_merchant_data": {},
                "se40_eletronic_commerce_merchant_cardholder_certificate_serial_number": {},
                "se41_eletronic_commercer_certificate_qualifying_information": {},
                "se42_eletronic_commerce_indicator": {},
                "se43_ucaf": {},
                "se48_mobile_program_indicator": {},
                "se49_time_validation_information": {},
                "se51_merchant_on_behalf_services": {},
                "se55_merchant_fraud_scoring_data": {},
                "se56_security_services_additional_data_for_issuers": [
                    {
                        "sf1_security_services_indicator": "AIQ",
                        "sf2_security_services_data": "5EZ"
                    },
                    {
                        "sf1_security_services_indicator": "AQV",
                        "sf2_security_services_data": "445"
                    },
                    {
                        "sf1_security_services_indicator": "AQF",
                        "sf2_security_services_data": "144"
                    },
                    {
                        "sf1_security_services_indicator": "AQS",
                        "sf2_security_services_data": "007"
                    }
                ],
                "se57_security_services_additional_data_for_acquirers": {},
                "se58_atm_additional_data": {},
                "se61_pos_data_extended_condition_codes": {},
                "se64_transit_program": {},
                "se65_terminal_compliant_indicator": {},
                "se67_money_send_information": {},
                "se71_onbehalf_services": [
                    {
                        "sf1_ob_service": "18",
                        "sf2_onbehalf_result1": "C",
                        "sf3_onbehalf_result2": " "
                    }
                ],
                "se74_additional_processing_information": {},
                "se75_fraud_scoring_data": {
                    "sf1_fraud_score": "100",
                    "sf2_score_reason_code": "R0",
                    "sf3_rules_score": "200",
                    "sf4_rules_reason_code1": "R1",
                    "sf5_rules_reason_code2": "R2"
                },
                "se78_payment_service_indicator": {},
                "se79_chip_cvr_or_tvr_bit_error_results": {},
                "se93_fleet_card_id_request_data": {}
            },
            "de49_currency_code_transaction": "840",
            "de50_currency_code_settlement": "840",
            "de51_currency_code_cardholder_billing": "986",
            "de60_advice_reason_code": {},
            "de61_pos_data": {
                "sf1_pos_terminal_attendance": "1",
                "sf2_reserved_for_future_use": "0",
                "sf3_pos_terminal_location": "2",
                "sf4_pos_cardholder_presence": "5",
                "sf5_pos_card_presence": "1",
                "sf6_pos_card_capture_capabilities": "0",
                "sf7_pos_transaction_status": "9",
                "sf8_pos_transaction_security": "0",
                "sf9_reserved_for_future_use": "0",
                "sf10_cardholder_activated_terminal_level": "0",
                "sf11_pos_card_data_terminal_input_capability_indicator": "0",
                "sf12_pos_authorization_life_cycle": "00",
                "sf13_pos_country_code_or_submerchant": "840",
                "sf14_postal_code_or_submerchant": "63368"
            },
            "de63_network_data": {
                "sf1_financial_network_code": "MPL",
                "sf2_banknet_reference_number": "C112OE"
            },
            "de90_original_data_elements": {},
            "de94_service_indicator": {},
            "de95_replacement_amounts": {},
            "de97_amount_net_settlement": {},
            "de112_additional_data_national_use": {},
            "de120_record_data": {},
            "de124_member_defined_data": {
                "mdes_data": {
                    "sf1_message_type": "AC",
                    "activation_code": {
                        "sf1_correlation_id": "D0000009418034",
                        "sf2_activation_code": "523894  ",
                        "sf3_activation_code_expiration_date_time": "2012102307",
                        "sf4_consumer_activation_pref_method": "1(###)###7728"
                    }
                }
            },
            "start": 1607639847750012370,
            "card_profile": "          "
        }
    }
}

MDES tokenization complete (TC)

Indicates the network has provisioned the token. This is when the token becomes active and can be used in a tokenized transaction

Important fields

  • network_data.de124_member_defined_data.mdes_data.tokenization_complete.sf2_number_of_active_tokens

    Identify total activated tokens

  • network_data.de124_member_defined_data.mdes_data.tokenization_complete.sf4_device_name

    Device name

MDES TC example event
{
    "event_id": "7e67766b-df74-41b8-8d5f-96f918752873",
    "domain": "cards-tokenization",
    "event_type": "notification",
    "schema_version": "1",
    "org_id": "TN-3a897b16-a18e-47bc-88d2-cf10fb0612b6",
    "cid": "290f392a-2e14-422e-9646-cfc68c0ff154",
    "timestamp": "2020-12-10T22:37:57.342Z",
    "data": {
        "account_id": 100001185,
        "card_id": 4995608,
        "token_id": 17556,
        "network_call_method": "TC",
        "network_data": {
            "de3_processing_code": {
                "sf1_cardholder_transaction_type_code": "00",
                "sf2_cardholder_from_account_type_code": "00",
                "sf3_cardholder_to_account_type_code": "00"
            },
            "de4_amount_transaction": "000000000000",
            "de5_amount_settlement": "000000000000",
            "de6_amount_cardholder_billing": "000000000000",
            "de7_tranmission_date_and_time": {
                "sf1_date": "1210",
                "sf2_time": "223756"
            },
            "de9_conversion_rate_settlement": {
                "sf1_decimal_indicator": "6",
                "sf2_conversion_rate": "1000000"
            },
            "de10_conversion_rate_cardholder_billing": {
                "sf1_decimal_indicator": "6",
                "sf2_cardholderbilling_conversion_rate": "5178611"
            },
            "de11_stan": "619104",
            "de14_date_expiration": "2607",
            "de15_date_settlement": "1210",
            "de16_date_conversion": "1210",
            "de18_merchant_type": "5969",
            "de22_pos_entry_mode": {
                "sf1_pos_terminal_pan_entry_mode": "01",
                "sf2_pos_terminal_pin_entry_mode": "0"
            },
            "de28_amount_transaction_fee": {},
            "de29_amount_settlement_fee": {},
            "de30_amount_transaction_processing_fee": {},
            "de31_amount_settlement_processing_fee": {},
            "de32_acquiring_institution_id_code": "015611",
            "de37_retrieval_reference_number": {},
            "de42_card_acceptor_id_code": "CARD ACCPT IDC ",
            "de43_card_acceptor_name_location_for_all_transactions": {
                "sf1_card_acceptor_name": "Mastercard             ",
                "sf3_card_acceptor_city": "St. Louis     ",
                "sf5_card_acceptor_state_or_country_code": "MO "
            },
            "de48_additional_data_private_user": {
                "de48_tcc": "T",
                "de48_start": "194",
                "de48_size": "144",
                "de48SubElements": [
                    "23",
                    "26",
                    "33",
                    "56",
                    "75",
                    "71"
                ],
                "se11_key_exchange_block_data": {},
                "se13_mastercard_hosted_mobile_phone_top_up_request_data": {},
                "se15_authorization_system_advice_date_and_time": {},
                "se18_service_parameters": {},
                "se23_payment_initiation_channel": {
                    "sf1_device_type": "21"
                },
                "se25_mastercard_cash_program_data": {},
                "se26_wallet_program_data": {
                    "sf1_wallet_identifier": "216"
                },
                "se33_pan_mapping_file_information": {
                    "sf1_account_number_indicator": "H",
                    "sf3_expiration_date": "2401",
                    "sf6_token_requestor_id": "50120834693",
                    "sf8_storage_technology": "01"
                },
                "se34_atc_information": {},
                "se36_visa_mmv": {},
                "se37_additional_merchant_data": {},
                "se40_eletronic_commerce_merchant_cardholder_certificate_serial_number": {},
                "se41_eletronic_commercer_certificate_qualifying_information": {},
                "se42_eletronic_commerce_indicator": {},
                "se43_ucaf": {},
                "se48_mobile_program_indicator": {},
                "se49_time_validation_information": {},
                "se51_merchant_on_behalf_services": {},
                "se55_merchant_fraud_scoring_data": {},
                "se56_security_services_additional_data_for_issuers": [
                    {
                        "sf1_security_services_indicator": "AIQ",
                        "sf2_security_services_data": "5EZ"
                    },
                    {
                        "sf1_security_services_indicator": "AQV",
                        "sf2_security_services_data": "445"
                    },
                    {
                        "sf1_security_services_indicator": "AQF",
                        "sf2_security_services_data": "144"
                    },
                    {
                        "sf1_security_services_indicator": "AQS",
                        "sf2_security_services_data": "007"
                    }
                ],
                "se57_security_services_additional_data_for_acquirers": {},
                "se58_atm_additional_data": {},
                "se61_pos_data_extended_condition_codes": {},
                "se64_transit_program": {},
                "se65_terminal_compliant_indicator": {},
                "se67_money_send_information": {},
                "se71_onbehalf_services": [
                    {
                        "sf1_ob_service": "18",
                        "sf2_onbehalf_result1": "C",
                        "sf3_onbehalf_result2": " "
                    }
                ],
                "se74_additional_processing_information": {},
                "se75_fraud_scoring_data": {
                    "sf1_fraud_score": "100",
                    "sf2_score_reason_code": "R0",
                    "sf3_rules_score": "200",
                    "sf4_rules_reason_code1": "R1",
                    "sf5_rules_reason_code2": "R2"
                },
                "se78_payment_service_indicator": {},
                "se79_chip_cvr_or_tvr_bit_error_results": {},
                "se93_fleet_card_id_request_data": {}
            },
            "de49_currency_code_transaction": "840",
            "de50_currency_code_settlement": "840",
            "de51_currency_code_cardholder_billing": "986",
            "de56_payment_account_data": "013301295001847TESXGZ22AAJD0O5UNXUWQ8",
            "de60_advice_reason_code": {},
            "de61_pos_data": {
                "sf1_pos_terminal_attendance": "1",
                "sf2_reserved_for_future_use": "0",
                "sf3_pos_terminal_location": "2",
                "sf4_pos_cardholder_presence": "5",
                "sf5_pos_card_presence": "1",
                "sf6_pos_card_capture_capabilities": "0",
                "sf7_pos_transaction_status": "9",
                "sf8_pos_transaction_security": "0",
                "sf9_reserved_for_future_use": "0",
                "sf10_cardholder_activated_terminal_level": "0",
                "sf11_pos_card_data_terminal_input_capability_indicator": "0",
                "sf12_pos_authorization_life_cycle": "00",
                "sf13_pos_country_code_or_submerchant": "840",
                "sf14_postal_code_or_submerchant": "63368"
            },
            "de63_network_data": {
                "sf1_financial_network_code": "MPL",
                "sf2_banknet_reference_number": "C16LOE"
            },
            "de90_original_data_elements": {},
            "de94_service_indicator": {},
            "de95_replacement_amounts": {},
            "de97_amount_net_settlement": {},
            "de112_additional_data_national_use": {},
            "de120_record_data": {},
            "de124_member_defined_data": {
                "mdes_data": {
                    "sf1_message_type": "TC",
                    "tokenization_complete": {
                        "sf1_correlation_id": "D0000009418034",
                        "sf2_number_of_active_tokens": "03",
                        "sf3_issuer_product_conf_id": "BTGMCPLAT ",
                        "sf3_consumer_language": "en",
                        "sf4_device_name": "!samsung!samsung!SM-",
                        "sf5_final_token_decision": "2",
                        "sf6_final_token_decision_indicator": "2",
                        "sf7_tc_indicator": "3b65cc85292b471b8225a78685a62d86",
                        "sf8_tc_date_time": "2012102236",
                        "sf9_number_of_activation_attemps": "1",
                        "sf10_token_unique_ref": "DSHRMC0000259339fc95457145a841599b4b25b6c1da653e",
                        "sf11_pan_unique_ref": "FSHRMC00002593398d3715eb2b0b4189b07e0853c37fe073",
                        "sf12_token_type": "C"
                    }
                }
            }
        }
    }
}

MDES TV (tokenization event)

Token lifecycle messages, such as token status changes. The network can send, for example, a token cancellation of a token.

Important fields

  • network_data.de124_member_defined_data.mdes_data.tokenization_event_notification.sf2_event_indicator

    Lifecycle event type:
    3 = Deleted token
    4 = Deleted from consumer device
    7 = Resumed token
    9 = Token replaced

  • network_data.de124_member_defined_data.mdes_data.tokenization_event_notification.sf4_event_requestor

    Agent that started the tokenization provisioning:
    0 = Wallet
    1 = Funding account
    2 = Cardholder
    3 = Systematically

MDES TV example event
{
    "event_id": "cd5fa2c5-5a3e-4fc7-96db-41abf848b5ab",
    "domain": "cards-tokenization",
    "event_type": "notification",
    "schema_version": "1",
    "org_id": "TN-3a897b16-a18e-47bc-88d2-cf10fb0612b6",
    "cid": "9aa65e4a-cece-4f54-a568-43473e14e9c2",
    "timestamp": "2020-12-10T22:41:32.203Z",
    "data": {
        "account_id": 100001185,
        "card_id": 4995608,
        "token_id": 17556,
        "network_call_method": "TV",
        "network_data": {
            "de3_processing_code": {
                "sf1_cardholder_transaction_type_code": "00",
                "sf2_cardholder_from_account_type_code": "00",
                "sf3_cardholder_to_account_type_code": "00"
            },
            "de4_amount_transaction": "000000000000",
            "de5_amount_settlement": "000000000000",
            "de6_amount_cardholder_billing": "000000000000",
            "de7_tranmission_date_and_time": {
                "sf1_date": "1210",
                "sf2_time": "224131"
            },
            "de9_conversion_rate_settlement": {
                "sf1_decimal_indicator": "6",
                "sf2_conversion_rate": "1000000"
            },
            "de10_conversion_rate_cardholder_billing": {
                "sf1_decimal_indicator": "6",
                "sf2_cardholderbilling_conversion_rate": "5178611"
            },
            "de11_stan": "422542",
            "de14_date_expiration": "2607",
            "de15_date_settlement": "1210",
            "de16_date_conversion": "1210",
            "de18_merchant_type": "5969",
            "de22_pos_entry_mode": {
                "sf1_pos_terminal_pan_entry_mode": "01",
                "sf2_pos_terminal_pin_entry_mode": "0"
            },
            "de28_amount_transaction_fee": {},
            "de29_amount_settlement_fee": {},
            "de30_amount_transaction_processing_fee": {},
            "de31_amount_settlement_processing_fee": {},
            "de32_acquiring_institution_id_code": "015611",
            "de37_retrieval_reference_number": {},
            "de42_card_acceptor_id_code": "CARD ACCPT IDC ",
            "de43_card_acceptor_name_location_for_all_transactions": {
                "sf1_card_acceptor_name": "Mastercard             ",
                "sf3_card_acceptor_city": "St. Louis     ",
                "sf5_card_acceptor_state_or_country_code": "MO "
            },
            "de48_additional_data_private_user": {
                "de48_tcc": "T",
                "de48_start": "194",
                "de48_size": "138",
                "de48SubElements": [
                    "23",
                    "26",
                    "33",
                    "56",
                    "75",
                    "71"
                ],
                "se11_key_exchange_block_data": {},
                "se13_mastercard_hosted_mobile_phone_top_up_request_data": {},
                "se15_authorization_system_advice_date_and_time": {},
                "se18_service_parameters": {},
                "se23_payment_initiation_channel": {
                    "sf1_device_type": "21"
                },
                "se25_mastercard_cash_program_data": {},
                "se26_wallet_program_data": {
                    "sf1_wallet_identifier": "216"
                },
                "se33_pan_mapping_file_information": {
                    "sf1_account_number_indicator": "H",
                    "sf3_expiration_date": "2401",
                    "sf6_token_requestor_id": "50120834693"
                },
                "se34_atc_information": {},
                "se36_visa_mmv": {},
                "se37_additional_merchant_data": {},
                "se40_eletronic_commerce_merchant_cardholder_certificate_serial_number": {},
                "se41_eletronic_commercer_certificate_qualifying_information": {},
                "se42_eletronic_commerce_indicator": {},
                "se43_ucaf": {},
                "se48_mobile_program_indicator": {},
                "se49_time_validation_information": {},
                "se51_merchant_on_behalf_services": {},
                "se55_merchant_fraud_scoring_data": {},
                "se56_security_services_additional_data_for_issuers": [
                    {
                        "sf1_security_services_indicator": "AIQ",
                        "sf2_security_services_data": "5EZ"
                    },
                    {
                        "sf1_security_services_indicator": "AQV",
                        "sf2_security_services_data": "445"
                    },
                    {
                        "sf1_security_services_indicator": "AQF",
                        "sf2_security_services_data": "144"
                    },
                    {
                        "sf1_security_services_indicator": "AQS",
                        "sf2_security_services_data": "007"
                    }
                ],
                "se57_security_services_additional_data_for_acquirers": {},
                "se58_atm_additional_data": {},
                "se61_pos_data_extended_condition_codes": {},
                "se64_transit_program": {},
                "se65_terminal_compliant_indicator": {},
                "se67_money_send_information": {},
                "se71_onbehalf_services": [
                    {
                        "sf1_ob_service": "18",
                        "sf2_onbehalf_result1": "C",
                        "sf3_onbehalf_result2": " "
                    }
                ],
                "se74_additional_processing_information": {},
                "se75_fraud_scoring_data": {
                    "sf1_fraud_score": "100",
                    "sf2_score_reason_code": "R0",
                    "sf3_rules_score": "200",
                    "sf4_rules_reason_code1": "R1",
                    "sf5_rules_reason_code2": "R2"
                },
                "se78_payment_service_indicator": {},
                "se79_chip_cvr_or_tvr_bit_error_results": {},
                "se93_fleet_card_id_request_data": {}
            },
            "de49_currency_code_transaction": "840",
            "de50_currency_code_settlement": "840",
            "de51_currency_code_cardholder_billing": "986",
            "de60_advice_reason_code": {},
            "de61_pos_data": {
                "sf1_pos_terminal_attendance": "1",
                "sf2_reserved_for_future_use": "0",
                "sf3_pos_terminal_location": "2",
                "sf4_pos_cardholder_presence": "5",
                "sf5_pos_card_presence": "1",
                "sf6_pos_card_capture_capabilities": "0",
                "sf7_pos_transaction_status": "9",
                "sf8_pos_transaction_security": "0",
                "sf9_reserved_for_future_use": "0",
                "sf10_cardholder_activated_terminal_level": "0",
                "sf11_pos_card_data_terminal_input_capability_indicator": "0",
                "sf12_pos_authorization_life_cycle": "00",
                "sf13_pos_country_code_or_submerchant": "840",
                "sf14_postal_code_or_submerchant": "63368"
            },
            "de63_network_data": {
                "sf1_financial_network_code": "MPL",
                "sf2_banknet_reference_number": "C23WOE"
            },
            "de90_original_data_elements": {},
            "de94_service_indicator": {},
            "de95_replacement_amounts": {},
            "de97_amount_net_settlement": {},
            "de112_additional_data_national_use": {},
            "de120_record_data": {},
            "de124_member_defined_data": {
                "mdes_data": {
                    "sf1_message_type": "TV",
                    "tokenization_event_notification": {
                        "sf1_correlation_id": "D0000009418034",
                        "sf2_event_indicator": "3",
                        "sf3_event_reason_code": "  ",
                        "sf4_event_requestor": "2"
                    }
                }
            },
            "start": 160760000000006,
            "card_profile": "          "
        }
    }
}

MDES TE refusal

Event: notification_refusal-1

Important fields

MDES TE refusal example event
{
    "event_id": "e21be45e-39a6-4909-8dec-2d6cadafe2b9",
    "domain": "cards-tokenization",
    "event_type": "notification_refusal",
    "schema_version": "1",
    "org_id": "TN-3a897b16-a18e-47bc-88d2-cf10fb0612b6",
    "cid": "c562dd34-7f76-4bad-8797-fbd392085634",
    "timestamp": "2021-02-09T18:13:16.375Z",
    "data": {
        "account_id": 100001185,
        "card_id": 4995608,
        "token_id": null,
        "network_call_method": "TE",
        "custom_codes": [
            "BNR"
        ],
        "network_data": {
            "de3_processing_code": {
                "sf1_cardholder_transaction_type_code": "00",
                "sf2_cardholder_from_account_type_code": "00",
                "sf3_cardholder_to_account_type_code": "00"
            },
            "de4_amount_transaction": "000000000000",
            "de5_amount_settlement": "000000000000",
            "de6_amount_cardholder_billing": "000000000000",
            "de7_tranmission_date_and_time": {
                "sf1_date": "0209",
                "sf2_time": "181316"
            },
            "de9_conversion_rate_settlement": {
                "sf1_decimal_indicator": "6",
                "sf2_conversion_rate": "1000000"
            },
            "de10_conversion_rate_cardholder_billing": {
                "sf1_decimal_indicator": "6",
                "sf2_cardholderbilling_conversion_rate": "5418830"
            },
            "de11_stan": "115186",
            "de14_date_expiration": "2607",
            "de15_date_settlement": "0209",
            "de16_date_conversion": "0208",
            "de18_merchant_type": "5969",
            "de22_pos_entry_mode": {
                "sf1_pos_terminal_pan_entry_mode": "01",
                "sf2_pos_terminal_pin_entry_mode": "0"
            },
            "de28_amount_transaction_fee": {},
            "de29_amount_settlement_fee": {},
            "de30_amount_transaction_processing_fee": {},
            "de31_amount_settlement_processing_fee": {},
            "de32_acquiring_institution_id_code": "015611",
            "de37_retrieval_reference_number": {},
            "de42_card_acceptor_id_code": "CARD ACCPT IDC ",
            "de43_card_acceptor_name_location_for_all_transactions": {
                "sf1_card_acceptor_name": "Mastercard             ",
                "sf3_card_acceptor_city": "St. Louis     ",
                "sf5_card_acceptor_state_or_country_code": "MO "
            },
            "de48_additional_data_private_user": {
                "de48_tcc": "T",
                "de48_start": "194",
                "de48_size": "116",
                "de48SubElements": [
                    "23",
                    "26",
                    "33",
                    "56",
                    "75",
                    "71"
                ],
                "se11_key_exchange_block_data": {},
                "se13_mastercard_hosted_mobile_phone_top_up_request_data": {},
                "se15_authorization_system_advice_date_and_time": {},
                "se18_service_parameters": {},
                "se23_payment_initiation_channel": {
                    "sf1_device_type": "21"
                },
                "se25_mastercard_cash_program_data": {},
                "se26_wallet_program_data": {
                    "sf1_wallet_identifier": "216"
                },
                "se33_pan_mapping_file_information": {
                    "sf1_account_number_indicator": "H",
                    "sf6_token_requestor_id": "50120834693",
                    "sf8_storage_technology": "01"
                },
                "se34_atc_information": {},
                "se36_visa_mmv": {},
                "se37_additional_merchant_data": {},
                "se40_eletronic_commerce_merchant_cardholder_certificate_serial_number": {},
                "se41_eletronic_commercer_certificate_qualifying_information": {},
                "se42_eletronic_commerce_indicator": {},
                "se43_ucaf": {},
                "se48_mobile_program_indicator": {},
                "se49_time_validation_information": {},
                "se51_merchant_on_behalf_services": {},
                "se55_merchant_fraud_scoring_data": {},
                "se56_security_services_additional_data_for_issuers": [
                    {
                        "sf1_security_services_indicator": "AIQ",
                        "sf2_security_services_data": "5EZ"
                    },
                    {
                        "sf1_security_services_indicator": "AQV",
                        "sf2_security_services_data": "445"
                    },
                    {
                        "sf1_security_services_indicator": "AQF",
                        "sf2_security_services_data": "144"
                    },
                    {
                        "sf1_security_services_indicator": "AQS",
                        "sf2_security_services_data": "007"
                    }
                ],
                "se57_security_services_additional_data_for_acquirers": {},
                "se58_atm_additional_data": {},
                "se61_pos_data_extended_condition_codes": {},
                "se64_transit_program": {},
                "se65_terminal_compliant_indicator": {},
                "se67_money_send_information": {},
                "se71_onbehalf_services": [
                    {
                        "sf1_ob_service": "18",
                        "sf2_onbehalf_result1": "C",
                        "sf3_onbehalf_result2": " "
                    }
                ],
                "se74_additional_processing_information": {},
                "se75_fraud_scoring_data": {
                    "sf1_fraud_score": "100",
                    "sf2_score_reason_code": "R0",
                    "sf3_rules_score": "200",
                    "sf4_rules_reason_code1": "R1",
                    "sf5_rules_reason_code2": "R2"
                },
                "se78_payment_service_indicator": {},
                "se79_chip_cvr_or_tvr_bit_error_results": {},
                "se93_fleet_card_id_request_data": {}
            },
            "de49_currency_code_transaction": "840",
            "de50_currency_code_settlement": "840",
            "de51_currency_code_cardholder_billing": "986",
            "de60_advice_reason_code": {},
            "de61_pos_data": {
                "sf1_pos_terminal_attendance": "1",
                "sf2_reserved_for_future_use": "0",
                "sf3_pos_terminal_location": "2",
                "sf4_pos_cardholder_presence": "5",
                "sf5_pos_card_presence": "1",
                "sf6_pos_card_capture_capabilities": "0",
                "sf7_pos_transaction_status": "9",
                "sf8_pos_transaction_security": "0",
                "sf9_reserved_for_future_use": "0",
                "sf10_cardholder_activated_terminal_level": "0",
                "sf11_pos_card_data_terminal_input_capability_indicator": "0",
                "sf12_pos_authorization_life_cycle": "00",
                "sf13_pos_country_code_or_submerchant": "840",
                "sf14_postal_code_or_submerchant": "63368"
            },
            "de63_network_data": {
                "sf1_financial_network_code": "MPL",
                "sf2_banknet_reference_number": "QRV7O0"
            },
            "de90_original_data_elements": {},
            "de94_service_indicator": {},
            "de95_replacement_amounts": {},
            "de97_amount_net_settlement": {},
            "de112_additional_data_national_use": {},
            "de120_record_data": {},
            "de124_member_defined_data": {
                "mdes_data": {
                    "sf1_message_type": "TE",
                    "token_eligibility": {
                        "sf1_correlation_id": "D0000009790684",
                        "sf2_primary_account_number_source": "2",
                        "sf3_payment_application_instance_id": "2ph-0sOsCvQcvxrLpYbCdm3WuLtLinwXfhvbZxgOa6bWYJ0h",
                        "sf4_number_of_active_tokens": "03",
                        "sf5_wallet_provider_account_hash": "                                                                ",
                        "sf6_cardholder_name": "                           ",
                        "sf7_token_type": "C"
                    }
                }
            },
            "start": 161289000000000,
            "card_profile": "          ",
            "messageType": "TE",
            "correlationId": "",
            "panSource": null,
            "paymentApplicationInstanceId": "",
            "numberOfActiveTokens": "0",
            "walletProviderAccountHash": "",
            "cardholderName": "",
            "tokenType": null,
            "token": "",
            "numberOfActivationAttempts": "",
            "finalTokenDecision": "",
            "tcIdentifier": "",
            "tcDateTime": "",
            "tokenUniqueRef": "",
            "panUniqueRef": "",
            "expiryDate": "",
            "eventIndicator": null,
            "eventReasonCode": null,
            "eventRequestor": "",
            "last4MobileDigits": "",
            "deviceLocation": "",
            "activationCode": "",
            "activationCodeExpiration": "",
            "preferencialActivationMethod": ""
        }
    }
}

Visa Token Service (VTS)

VTS approve provisioning

Important fields

  • deviceInfo.deviceBrand

    Identify device’s brand

  • panSource

    Identify PAN source

VTS approve example event
 {
    "event_id": "56c9db26-94b9-4d86-9c2f-aabffbe8eba6",
    "domain": "cards-tokenization",
    "event_type": "notification",
    "timestamp": "2020-12-19T12:37:31.837Z",
    "data": {
        "card_id": 5271995,
        "token_id": 17579,
        "network_data": {
            "cardholderInfo": {
                "billingAddress": {},
                "cvv2": "*****",
                "expirationDate": {
                    "month": "11",
                    "year": "2026"
                },
                "highValueCustomer": false,
                "name": "Daniel Kanczuk",
                "primaryAccountNumber": "*****",
                "riskAssessmentScore": "9"
            },
            "clientWalletAccountID": "hWg9hRxCSOCCBm1qiXFxZQ",
            "cvv2ResultsCode": "M",
            "deviceInfo": {
                "deviceBrand": "samsung",
                "deviceID": "MTUwMjIyMDEwNjAwMzA3MDUz",
                "deviceIDType": "Derived",
                "deviceIPAddressV4": "189.121.201.167",
                "deviceLanguageCode": "eng",
                "deviceLocation": "-19.9388/-43.9327",
                "deviceManufacturer": "samsung",
                "deviceModel": "SM-G928G",
                "deviceName": "R2FsYXh5IFM2IGVkZ2Ur",
                "deviceType": "MOBILE_PHONE",
                "locationSource": "GPS",
                "osBuildID": "G928GUBU5CSJ2",
                "osType": "ANDROID",
                "osVersion": "7.0",
                "tokenProtectionMethod": "TRUSTED_EXECUTION_ENVIRONMENT"
            },
            "encryptedData": "*****",
            "lifeCycleTraceID": 87373737,
            "panReferenceID": "V-00000000089935214",
            "panSource": "KEY_ENTERED",
            "riskInformation": {
                "accountHolderName": "Daniel Kanczuk",
                "accountToDeviceBindingAge": "65",
                "activeTokensOnAllDeviceForAccount": "0",
                "daysSinceConsumerDataLastAccountChange": "0",
                "daysSinceLastAccountActivity": "0",
                "deviceBluetoothMac": "02:00:00:00:00:00",
                "deviceCountry": "BR",
                "deviceSerialNumber": "8425434b344e3034",
                "deviceTimeZoneSetting": "NETWORK_SET",
                "deviceWithActiveTokens": "0",
                "distinctCardholderNames": "1",
                "numberOfActiveTokens": "0",
                "numberOfTransactionsInLast12months": "0",
                "provisioningAttemptsOnDeviceIn24Hours": "3",
                "riskAssessmentScore": "9",
                "simSerialNumber": "8425434b344e3034",
                "suspendedCardsInAccount": "0",
                "userAccountAge": "1105",
                "visaTokenDecisioning": "00",
                "visaTokenScore": "08",
                "walletAccountAge": "65",
                "walletAccountCountry": "BR",
                "walletProviderAccountScore": "3",
                "walletProviderDeviceScore": "3",
                "walletProviderPANAge": "31",
                "walletProviderReasonCodes": "AC,A0"
            },
            "tokenInfo": {
                "numberOfActiveTokensForPAN": 1,
                "numberOfInactiveTokensForPAN": 0,
                "numberOfSuspendedTokensForPAN": 0,
                "tokenType": "HCE"
            },
            "walletAccountEmailAddressHash": "DF7C1D317DF3A83838BBAB39F0844FD86F42774EA17AEB06C500DEB95345199B"
        },
        "network_call_method": "VTS_APPROVE_PROVISIONING"
    },
    "schema_version": 1,
    "org_id": "TN-ddce7e50-0485-49ec-a910-866dff0bfd0f",
    "cid": "996e933f-4fc4-44ef-9c4c-e75a02378ba1"
}

VTS get cardholder verification method (CVM)

VTS get CVM example event
{
    "event_id": "64c95af7-61ad-4e67-80ac-8c0fc82dca3c",
    "domain": "cards-tokenization",
    "event_type": "notification",
    "timestamp": "2020-12-19T12:37:33.931Z",
    "data": {
        "card_id": 5271995,
        "token_id": 17579,
        "network_data": {
            "clientWalletAccountID": "hWg9hRxCSOCCBm1qiXFxZQ",
            "deviceInfo": {
                "deviceID": "MTUwMjIyMDEwNjAwMzA3MDUz",
                "deviceType": "MOBILE_PHONE"
            },
            "encryptedData": "*****",
            "lifeCycleTraceID": 87788,
            "otpMaxReached": false,
            "otpReason": "PROVISIONING",
            "panReferenceID": "V-00000000089935214",
            "tokenReferenceID": "DNITHE0000000003963",
            "tokenRequestorID": 40010043095
        },
        "network_call_method": "VTS_GET_CVM"
    },
    "schema_version": 1,
    "org_id": "TN-ddce7e50-0485-49ec-a910-866dff0bfd0f",
    "cid": "ecb2d4a7-cc39-4b08-9707-eec5dab671ed"
}

VTS passcode verification

Important fields

  • otpValue

    One time passcode value

  • otpMethodIdentifier

    One time passcode method:

        kdaufuf783jnch = otpSMS
        kda74290fjfn84 = otpEmail
        jjfa8f7jnfyfgg = otp App to App
        kfa87fjrnnyuvy = otp call center
    
VTS passcode example event
{
    "event_id": "84eb4b8a-a86e-454a-b756-c01c0975e6a6",
    "domain": "cards-tokenization",
    "event_type": "notification",
    "timestamp": "2020-12-19T12:37:43.659Z",
    "data": {
        "card_id": 5271995,
        "token_id": 17579,
        "network_data": {
            "cardholderInfo": {
                "cvv2": "*****",
                "name": "",
                "primaryAccountNumber": "*****"
            },
            "clientWalletAccountID": "hWg9hRxCSOCCBm1qiXFxZQ",
            "deviceInfo": {
                "deviceID": "MTUwMjIyMDEwNjAwMzA3MDUz",
                "deviceType": "MOBILE_PHONE"
            },
            "encryptedData": "*****",
            "lifeCycleTraceID": 878889,
            "otpExpirationDate": "2020-12-19T13:07:43.000Z",
            "otpMethodIdentifier": "kdaufuf783jnch",
            "otpValue": "927945",
            "panReferenceID": "V-00000000089935214",
            "tokenInfo": {
                "token": "",
                "tokenType": ""
            },
            "tokenReferenceID": "DNITHE0000000003963",
            "tokenRequestorID": 40010043095
        },
        "network_call_method": "VTS_PASSCODE"
    },
    "schema_version": 1,
    "org_id": "TN-ddce7e50-0485-49ec-a910-866dff0bfd0f",
    "cid": "09723795-ef60-43cd-97f0-f12c773e9293"
}

VTS token deactivated

VTS token deactivated example event
{
    "event_id": "938285b2-6deb-46d8-871a-5d149c549368",
    "domain": "cards-tokenization",
    "event_type": "notification",
    "timestamp": "2020-12-19T12:35:50.943Z",
    "data": {
        "card_id": 5272036,
        "token_id": 17577,
        "network_data": {
            "actionCode": "00",
            "cardholderInfo": {
                "primaryAccountNumber": "*****"
            },
            "dateTimeOfEvent": "2020-12-19T12:35:49.000Z",
            "deviceID": "MTUwMjIyMDEwNjAwMzA3MDUz",
            "encryptedData": "*****",
            "lifeCycleTraceID": 87887,
            "messageReason": "*CUSTOMER_CONFIRMED||Delete initiated by device.",
            "messageReasonCode": "TOKEN_DEACTIVATED",
            "panReferenceID": "V-00000000057824435",
            "tokenInfo": {
                "token": "000000000",
                "tokenExpirationDate": {
                    "month": "11",
                    "year": "2029"
                },
                "tokenStatus": "DEACTIVATED",
                "tokenType": "HCE"
            }
        },
        "network_call_method": "VTS_STATUS_UPDATED_TOKEN_DEACTIVATED"
    },
    "schema_version": 1,
    "org_id": "TN-ddce7e50-0485-49ec-a910-866dff0bfd0f",
    "cid": "9e57c38b-481e-48f0-bc34-96ee0659acde"
}

VTS token suspended

VTS token suspended example event
{
    "event_id": "3c4fdf08-d9bb-4982-ab8a-0a31abcbce06",
    "domain": "cards-tokenization",
    "event_type": "notification",
    "timestamp": "2020-12-23T10:15:55.378Z",
    "data": {
        "card_id": 5271995,
        "token_id": 17580,
        "network_data": {
            "actionCode": "00",
            "cardholderInfo": {
                "primaryAccountNumber": "*****"
            },
            "dateTimeOfEvent": "2020-12-23T10:15:53.000Z",
            "deviceID": "MTUwMjIyMDEwNjAwMzA3MDUz",
            "encryptedData": "*****",
            "lifeCycleTraceID": 952828,
            "messageReason": "*a reason",
            "messageReasonCode": "TOKEN_SUSPEND",
            "panReferenceID": "V-00000000089935214",
            "tokenInfo": {
                "token": "000000000",
                "tokenExpirationDate": {
                    "month": "11",
                    "year": "2029"
                },
                "tokenStatus": "SUSPENDED",
                "tokenType": "HCE"
            }
        },
        "network_call_method": "VTS_STATUS_UPDATED_TOKEN_SUSPEND"
    },
    "schema_version": 1,
    "org_id": "TN-ddce7e50-0485-49ec-a910-866dff0bfd0f",
    "cid": "b15a4ff4-ad69-4ca3-be92-3488ec8d37f3"
}

VTS token resume

VTS token resume example event
{
    "event_id": "1e7fde7c-0b7c-4d26-91af-c2b35dedceb4",
    "domain": "cards-tokenization",
    "event_type": "notification",
    "timestamp": "2020-12-23T10:22:18.384Z",
    "data": {
        "card_id": 5271995,
        "token_id": 17580,
        "network_data": {
            "actionCode": "00",
            "cardholderInfo": {
                "primaryAccountNumber": "*****"
            },
            "dateTimeOfEvent": "2020-12-23T10:22:15.000Z",
            "deviceID": "MTUwMjIyMDEwNjAwMzA3MDUz",
            "encryptedData": "*****",
            "lifeCycleTraceID": 76788866,
            "messageReason": "*a reason",
            "messageReasonCode": "TOKEN_RESUME",
            "panReferenceID": "V-00000000089935214",
            "tokenInfo": {
                "token": "000000000",
                "tokenExpirationDate": {
                    "month": "11",
                    "year": "2029"
                },
                "tokenStatus": "ACTIVE",
                "tokenType": "HCE"
            }
        },
        "network_call_method": "VTS_STATUS_UPDATED_TOKEN_RESUME"
    },
    "schema_version": 1,
    "org_id": "TN-ddce7e50-0485-49ec-a910-866dff0bfd0f",
    "cid": "61820b68-9e9c-4608-a072-94918f9c6bf3"
}