Tap to Add Card

The Tap to Add Card feature provides the cardholder with the ability to save their card credentials with you by tapping their contactless card to the back of their compatible device when using your application. You can then send a token provisioning request that contains EMV chip data to TMS. This reduces token provisioning fraud, proves possession of the card, and reduces room for manual errors.

Tap to Add Card is available for Visa card brands.

Prerequisites

Before using Tap to Add Card, you must meet these requirements:

• You must be configured for TMS. See Get Started with Token Management Service.
• Network tokens must be enabled. For more information, see Network Token Enablement.

Tap to Add Card Workflow

This workflow illustrates the process of using the Tap to Add Card feature.

1. The cardholder navigates to add a new payment method in your application.
2. You provide the cardholder with a list of payment options, including Tap to Add Card.
3. The cardholder selects Tap to Add Card and taps their card against the device.
4. You read the PAN and EMV data from your application.
5. You send all of the required EMV data to TMS.
   1. Create an instrument identifier using the EMV data.
   2. (Optional) Your application prompts the cardholder to enter their card verification value (CVV2) data.
6. TMS creates a TMS token and a network token with EMV tags.
7. Visa performs cryptogram validation on your behalf. When the cryptogram validation is successful, Visa forwards the provision request to the card issuer with PAN Source = 6 and the CVV2 (if available).
8. The card issuer approves or declines the provision request.
9. Visa generates a token upon issuer approval and sends the token to TMS.
10. You notify the cardholder that the card-on-file (COF) token was provisioned.