Judopay Card Tokens are secure, system-generated tokens (strings) that replace the raw card details. The Card Token is linked to the saved card held securely in Judopay’s systems.

The card tokens represent a combination of a:

Each Card Token is unique to a card, consumer and merchant. As Card Tokens do not expose sensitive card information, Card Tokens are considered a more secure form of payment than physical cards, reducing your PCI scope and helping to keep customer data secure.

When a Card Token is used, Judopay retrieves the underlying card details from our secure vault and sends them through the normal payment flow (Judopay -> Gateway -> Acquirer -> Issuer).

Network Token

Network Tokens are 16-digit tokens issued by the card schemes (Visa, Mastercard) as a secure alternative to the Primary Account Number (PAN). Each Network Token is unique to a specific card, merchant and transaction.

Network Tokens are automatically updated by the card schemes when a card is replaced or expires, which means you can continue to process Merchant-Initiated Transactions (MIT)s without disruption. This helps reduce declines caused by outdated card details and typically increases authorisation rates.

The Network Token replaces the PAN in the payment flow (Judopay -> Gateway -> Acquirer -> Issuer), improving security and lifecycle management.