Visa tokenization offers more seamless and secure ways to pay and be paid by turning sensitive payment details into unique values called tokens, which can help reduce fraud and support better customer experiences.
Scaling tokenization 50% of all e-commerce transactions are tokenized1
Authorization uplift 4.8% increase in authorization rates for tokenized transactions vs. primary account number (PAN)2
Reducing fraud 39.4% lower fraud rate vs. non-tokenized credentials3
Your challenge
Protecting sensitive payment data becomes more complex as fraud threats rise, compliance requirements intensify and customers expect secure transactions without added friction.
Our solution
Visa tokenization solutions replace sensitive card details with secure tokens to help reduce fraud, protect account data and create safer digital experiences across every channel.
Visa tokenization solutions provide a complete set of tokenized payments capabilities to support your business objectives.
Visa Token Service helps issuers and wallet providers enable secure contactless payments within their own iOS applications using Apple Secure Element and NFC technologies. Support token provisioning, credential protection and payment credential lifecycle management while maintaining control of your branded wallet experience.
Learn how you can seamlessly implement these in-demand digital payments experiences for your customers.
Sources/Footnotes/Disclaimer
- Visa Token Services Vault, May 2026.
- VisaNet, Jan–Dec 2025. Visa credit and debit global card-not-present (CNP) transactions for tokenized vs non-tokenized credentials.
- Visa Risk DataWarehouse, Global, FY25 Q1–Q4 fraud rates by PV for tokenized vs non- tokenized credentials. Merchant’s individual results may vary.