Token
Management
Service

for Merchants

Enable merchants to process payments using Network Tokens on the Visa Acceptance Platform, or through 3rd party gateways.

Tokenization

Integrate as a Tokenization merchant to manage network tokens on TMS, whilst processing payments through your existing payments service provider. 

Register for a Sandbox Account

  • Complete the sandbox registration form
  • Verify your email address
  • Access your sandbox credentials

Register for Sandbox

Create API Keys

  • Sign into your Visa Acceptance Business Center account
  • Access Payment Configuration – Key Management
  • Generate REST API Key (REST, Shared Secret Key)
  • Generate TMS Message-Level Encryption Key

Tokenize Payment Information

  • Provision a Network Token
  • Retrieve Network Token and Cryptogram
  • Retrieve latest PAN suffix and expiration details

Token Payment Processing

  • Submit payment request using provisioned Network Token
  • Include Token Cryptogram in authorization request
  • Handle authorization response and capture payment

Network Token Subscription

  • Subscribe to token lifecycle event notifications
  • Receive updates on token status changes
  • Handle token expiry and renewal automatically

Integration steps

Register

Register for a Sandbox Account
CheckComplete the sandbox registration form
CheckVerify your email address
CheckAccess your sandbox credentials
Register for sandbox account
API Keys

Create API Keys
CheckSign into your Visa Acceptance Business Center account
CheckAccess Payment Configuration → Key Management
CheckGenerate REST API Key (REST - Shared Secret Key)
Used to authenticate requests to the TMS API
CheckGenerate TMS Message Level Encryption Key (Token Management MLE)
Used to decrypt sensitive payment information from TMS
Key management guide
Tokenize

Tokenize Payment Information
Check

2a: Create a Network Token
View API Sample Request
POST https://apitest.cybersource.com/tms/v2/tokenized-cards

{
  "source": "ONFILE",
  "card": {
    "number": "4622943123116478",
    "expirationMonth": "12",
    "expirationYear": "2026"
  }
}
View API Sample Request
POST https://apitest.cybersource.com/tms/v2/tokenized-cards

{
  "source": "ONFILE",
  "card": {
    "number": "4622943123116478",
    "expirationMonth": "12",
    "expirationYear": "2026"
  }
}
Create Instrument Identifier Create Instrument Identifier
Check

2b: Retrieve Network Token and Cryptogram
View API Sample Request
POST https://apitest.cybersource.com/tms/v2/tokens/{tokenId}/payment-credentials

{}
View API Sample Request
POST https://apitest.cybersource.com/tms/v2/tokens/{tokenId}/payment-credentials

{}
Retrieve Network Token Retrieve Network Token
Check

2c: Retrieve latest PAN suffix and expiration
View API Sample Request
GET https://apitest.cybersource.com/tms/v2/tokenized-cards/{tokenizedCardId}
View API Sample Request
GET https://apitest.cybersource.com/tms/v2/tokenized-cards/{tokenizedCardId}
Retrieve Instrument Identifier Retrieve Instrument Identifier
Check

2d: Delete a Network Token
View API Sample Request
DELETE https://apitest.cybersource.com/tms/v2/tokenized-cards/{tokenizedCardId}
View API Sample Request
DELETE https://apitest.cybersource.com/tms/v2/tokenized-cards/{tokenizedCardId}
Delete Instrument Identifier Delete Instrument Identifier
Webhooks

Subscribe to Network Token Updates
Check

3a: Create Webhook Security Keys
View API Sample Request
POST https://apitest.cybersource.com/kms/egress/v2/keys-sym

{
  "clientRequestAction": "CREATE",
  "keyInformation": {
    "provider": "nrtd",
    "tenant": "<INSERT ORGANIZATION ID HERE>",
    "keyType": "sharedSecret",
    "organizationId": "<INSERT ORGANIZATION ID HERE>"
  }
}
View API Sample Request
POST https://apitest.cybersource.com/kms/egress/v2/keys-sym

{
  "clientRequestAction": "CREATE",
  "keyInformation": {
    "provider": "nrtd",
    "tenant": "<INSERT ORGANIZATION ID HERE>",
    "keyType": "sharedSecret",
    "organizationId": "<INSERT ORGANIZATION ID HERE>"
  }
}
Create Webhook Security Keys Create Webhook Security Keys
Check

3b: Create a Webhook Subscription
View API Sample Request
POST https://apitest.cybersource.com/notification-subscriptions/v2/webhooks

{
  "name": "My Custom Webhook",
  "description": "Sample Webhook from Developer Center",
  "organizationId": "<INSERT ORGANIZATION ID HERE>",
  "products": [
    {
      "productId": "tokenManagement",
      "eventTypes": [
        "tms.networktoken.provisioned",
        "tms.networktoken.updated"
      ]
    }
  ],
  "webhookUrl": "https://MyWebhookServer.com:8443/simulateClient",
  "healthCheckUrl": "https://MyWebhookServer.com:8443/simulateClientHealthCheck",
  "retryPolicy": {
    "algorithm": "ARITHMETIC",
    "firstRetry": 1,
    "interval": 1,
    "numberOfRetries": 3,
    "deactivateFlag": "false",
    "repeatSequenceCount": 0,
    "repeatSequenceWaitTime": 0
  },
  "securityPolicy": {
    "securityType": "KEY"
  }
}
View API Sample Request
POST https://apitest.cybersource.com/notification-subscriptions/v2/webhooks

{
  "name": "My Custom Webhook",
  "description": "Sample Webhook from Developer Center",
  "organizationId": "<INSERT ORGANIZATION ID HERE>",
  "products": [
    {
      "productId": "tokenManagement",
      "eventTypes": [
        "tms.networktoken.provisioned",
        "tms.networktoken.updated"
      ]
    }
  ],
  "webhookUrl": "https://MyWebhookServer.com:8443/simulateClient",
  "healthCheckUrl": "https://MyWebhookServer.com:8443/simulateClientHealthCheck",
  "retryPolicy": {
    "algorithm": "ARITHMETIC",
    "firstRetry": 1,
    "interval": 1,
    "numberOfRetries": 3,
    "deactivateFlag": "false",
    "repeatSequenceCount": 0,
    "repeatSequenceWaitTime": 0
  },
  "securityPolicy": {
    "securityType": "KEY"
  }
}
Create Webhook Subscription Create Webhook Subscription
Check

3c: Retrieve a Webhook Subscription
View API Sample Request
GET https://apitest.cybersource.com/notification-subscriptions/v2/webhooks/{webhookId}
View API Sample Request
GET https://apitest.cybersource.com/notification-subscriptions/v2/webhooks/{webhookId}
Retrieve Webhook Subscription Retrieve Webhook Subscription

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Tokenization with Payments

Integrate as a tokenization with payments merchant to manage network tokens on TMS whilst processing payments on the Visa Acceptance Platform.

Register for a Sandbox Account

  • Complete the sandbox registration form
  • Verify your email address
  • Access your sandbox credentials

Register Sandbox

Create API Keys

  • Sign into your Visa Acceptance Business Center account
  • Access Payment Configuration – Key Management
  • Generate REST API Key (REST, Shared Secret Key)
  • Generate TMS Message-Level Encryption Key

Tokenize Payment Information

  • Provision a Network Token
  • Retrieve Network Token and Cryptogram
  • Retrieve latest PAN suffix and expiration details

Token Payment Processing

  • Submit payment request using provisioned Network Token
  • Include Token Cryptogram in authorization request
  • Handle authorization response and capture payment

Network Token Subscription

  • Subscribe to token lifecycle event notifications
  • Receive updates on token status changes
  • Handle token expiry and renewal automatically

Integration steps

Register

Register for a Sandbox Account
CheckComplete the sandbox registration form
CheckVerify your email address
CheckAccess your sandbox credentials
Register for sandbox account
API Keys

Create API Keys
CheckSign into your Visa Acceptance Business Center account
CheckAccess Payment Configuration → Key Management
CheckGenerate REST API Key (REST - Shared Secret Key)
Used to authenticate requests to the TMS API
CheckGenerate TMS Message Level Encryption Key (Token Management MLE)
Used to decrypt sensitive payment information from TMS
Key management guide
Tokenize

Tokenize Payment Information
Check

2a: Authorization with Customer Token Creation
View API Sample Request
POST https://apitest.cybersource.com/pts/v2/payments

{
  "clientReferenceInformation": {
    "code": "TC50171_3"
  },
  "processingInformation": {
    "actionList": ["TOKEN_CREATE"],
    "actionTokenTypes": ["customer", "paymentInstrument"]
  },
  "orderInformation": {
    "billTo": {
      "firstName": "John",
      "lastName": "Deo",
      "address1": "201 S. Division St.",
      "locality": "Ann Arbor",
      "administrativeArea": "MI",
      "postalCode": "48104-2201",
      "country": "US",
      "email": "[email protected]"
    },
    "amountDetails": {
      "totalAmount": "102.00",
      "currency": "USD"
    }
  },
  "paymentInformation": {
    "card": {
      "number": "4895379987X11515",
      "expirationMonth": "12",
      "expirationYear": "2031",
      "securityCode": "089"
    }
  }
}
View API Sample Request
POST https://apitest.cybersource.com/pts/v2/payments

{
  "clientReferenceInformation": {
    "code": "TC50171_3"
  },
  "processingInformation": {
    "actionList": ["TOKEN_CREATE"],
    "actionTokenTypes": ["customer", "paymentInstrument"]
  },
  "orderInformation": {
    "billTo": {
      "firstName": "John",
      "lastName": "Deo",
      "address1": "201 S. Division St.",
      "locality": "Ann Arbor",
      "administrativeArea": "MI",
      "postalCode": "48104-2201",
      "country": "US",
      "email": "[email protected]"
    },
    "amountDetails": {
      "totalAmount": "102.00",
      "currency": "USD"
    }
  },
  "paymentInformation": {
    "card": {
      "number": "4895379987X11515",
      "expirationMonth": "12",
      "expirationYear": "2031",
      "securityCode": "089"
    }
  }
}
Create Customer Token Create Customer Token
Check

2b: Retrieve a Customer Token

 
GET https://apitest.cybersource.com/tms/v2/customers/{customerTokenId}

GET https://apitest.cybersource.com/tms/v2/customers/{customerTokenId}
Retrieve Customer Token Retrieve Customer Token
Check

2c: Delete a Customer Token
View API Sample Request
DELETE https://apitest.cybersource.com/tms/v2/customers/{customerTokenId}
View API Sample Request
DELETE https://apitest.cybersource.com/tms/v2/customers/{customerTokenId}
Delete Customer Token Delete Customer Token
Process Payment

Process a Payment using a Token
Check

3a: Authorization using a Customer Token
View API Sample Request
POST https://apitest.cybersource.com/pts/v2/payments

{
  "clientReferenceInformation": {
    "code": "12345678"
  },
  "paymentInformation": {
    "customer": {
      "id": "F45FB3E443AC3C57E053A2598D0A9CFF"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "currency": "USD",
      "totalAmount": "10.00"
    }
  }
}
View API Sample Request
POST https://apitest.cybersource.com/pts/v2/payments

{
  "clientReferenceInformation": {
    "code": "12345678"
  },
  "paymentInformation": {
    "customer": {
      "id": "F45FB3E443AC3C57E053A2598D0A9CFF"
    }
  },
  "orderInformation": {
    "amountDetails": {
      "currency": "USD",
      "totalAmount": "10.00"
    }
  }
}
Authorize with Customer Token Authorize with Customer Token
Check

3b: Capture an Authorization
View API Sample Request
POST https://apitest.cybersource.com/pts/v2/payments/{id}/captures

{
  "clientReferenceInformation": {
    "code": "ABC123"
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "100.00",
      "currency": "EUR"
    }
  }
}
View API Sample Request
POST https://apitest.cybersource.com/pts/v2/payments/{id}/captures

{
  "clientReferenceInformation": {
    "code": "ABC123"
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "100.00",
      "currency": "EUR"
    }
  }
}
Capture an Authorization Capture an Authorization
Check

3c: Refund a Payment
View API Sample Request
POST https://apitest.cybersource.com/pts/v2/payments/{id}/refunds

{
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "100.00",
      "currency": "EUR"
    }
  }
}
View API Sample Request
POST https://apitest.cybersource.com/pts/v2/payments/{id}/refunds

{
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "100.00",
      "currency": "EUR"
    }
  }
}
Refund a Payment Refund a Payment
Webhooks

Subscribe to Network Token Updates
Check

3a: Create Webhook Security Keys
View API Sample Request
POST https://apitest.cybersource.com/kms/egress/v2/keys-sym

{
  "clientRequestAction": "CREATE",
  "keyInformation": {
    "provider": "nrtd",
    "tenant": "<INSERT ORGANIZATION ID HERE>",
    "keyType": "sharedSecret",
    "organizationId": "<INSERT ORGANIZATION ID HERE>"
  }
}
View API Sample Request
POST https://apitest.cybersource.com/kms/egress/v2/keys-sym

{
  "clientRequestAction": "CREATE",
  "keyInformation": {
    "provider": "nrtd",
    "tenant": "<INSERT ORGANIZATION ID HERE>",
    "keyType": "sharedSecret",
    "organizationId": "<INSERT ORGANIZATION ID HERE>"
  }
}
Create Webhook Security Keys Create Webhook Security Keys
Check

3b: Create a Webhook Subscription
View API Sample Request
POST https://apitest.cybersource.com/notification-subscriptions/v2/webhooks

{
  "name": "My Custom Webhook",
  "description": "Sample Webhook from Developer Center",
  "organizationId": "<INSERT ORGANIZATION ID HERE>",
  "products": [
    {
      "productId": "tokenManagement",
      "eventTypes": [
        "tms.networktoken.provisioned",
        "tms.networktoken.updated"
      ]
    }
  ],
  "webhookUrl": "https://MyWebhookServer.com:8443/simulateClient",
  "healthCheckUrl": "https://MyWebhookServer.com:8443/simulateClientHealthCheck",
  "retryPolicy": {
    "algorithm": "ARITHMETIC",
    "firstRetry": 1,
    "interval": 1,
    "numberOfRetries": 3,
    "deactivateFlag": "false",
    "repeatSequenceCount": 0,
    "repeatSequenceWaitTime": 0
  },
  "securityPolicy": {
    "securityType": "KEY"
  }
}
View API Sample Request
POST https://apitest.cybersource.com/notification-subscriptions/v2/webhooks

{
  "name": "My Custom Webhook",
  "description": "Sample Webhook from Developer Center",
  "organizationId": "<INSERT ORGANIZATION ID HERE>",
  "products": [
    {
      "productId": "tokenManagement",
      "eventTypes": [
        "tms.networktoken.provisioned",
        "tms.networktoken.updated"
      ]
    }
  ],
  "webhookUrl": "https://MyWebhookServer.com:8443/simulateClient",
  "healthCheckUrl": "https://MyWebhookServer.com:8443/simulateClientHealthCheck",
  "retryPolicy": {
    "algorithm": "ARITHMETIC",
    "firstRetry": 1,
    "interval": 1,
    "numberOfRetries": 3,
    "deactivateFlag": "false",
    "repeatSequenceCount": 0,
    "repeatSequenceWaitTime": 0
  },
  "securityPolicy": {
    "securityType": "KEY"
  }
}
Create Webhook Subscription Create Webhook Subscription
Check

3c: Retrieve a Webhook Subscription
View API Sample Request
GET https://apitest.cybersource.com/notification-subscriptions/v2/webhooks/{webhookId}
View API Sample Request
GET https://apitest.cybersource.com/notification-subscriptions/v2/webhooks/{webhookId}
Retrieve Webhook Subscription Retrieve Webhook Subscription

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