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.
-
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.
-
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.
-
-
OTP - In the conditional flow, Pismo sends a challenge to cardholder to confirm identity. This is known as OTP (One-Time Passcode).
-
Token activated - Once approved, the token is activated.
-
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 operation | Mastercard (MDES) | Visa (VTS) |
|---|---|---|
| Eligibility | TE | Check eligibility |
| Authentication | TA | Approve provisioning and get cardholder verification method (CVM) |
| OTP | AC | Send passcode |
| Token activated | TC | Token create notification |
| Update notification | TV | Token notification |
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_tokensIdentify total activated tokens
-
network_data.de124_member_defined_data.mdes_data.tokenization_complete.sf4_device_nameDevice 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_indicatorLifecycle 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_requestorAgent 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
custom_codes[]- Array of codes from Pismo indicating reasons for rejection. See Third-party wallets (such as Apple Pay) for list of codes.
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.deviceBrandIdentify device’s brand
-
panSourceIdentify 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
-
otpValueOne time passcode value
-
otpMethodIdentifierOne 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"
}
Updated 4 months ago