How TMS Works

Tokenization Workflows

Tokenization workflows show the process for converting payment card data into secure tokens.

PAN Tokenization Process Using TMS

This workflow shows the tokenization process for TMS tokens:

1. The customer makes a purchase on the merchant's website using a PAN.
2. The merchant sends the PAN to the gateway.
3. TMS creates a token for the merchant to store.
4. The gateway detokenizes the TMS token when it is used in a transaction.
5. The detokenized PAN is exchanged across the payment ecosystem.

Network Token Tokenization Process

This workflow shows the tokenization process for network tokens:

1. The customer makes a purchase on the merchant's website using a PAN.
2. The merchant sends the PAN to the gateway.
3. TMS creates a token.
4. TMS provisions a network token and links it to the TMS token.
5. The merchant stores the TMS token for subsequent transactions.
6. The network token and cryptogram are exchanged throughout the payment ecosystem.