Network Tokens

Improve authorization rates and reduce interchange costs with network-level tokenization.

What are Network Tokens?

Network Tokens are dynamic card substitutes provisioned by card networks (Visa, Mastercard, Amex). They replace static card numbers with secure tokens, providing significant benefits:

Benefit	Impact
Higher Auth Rates	+5-10% improvement
Lower Interchange	-3-5 basis points
Auto Card Updates	Cards updated automatically when reissued
Less Fraud	-40% reduction

How It Works

Card is tokenized with Atlas
Atlas provisions a network token from Visa/Mastercard
Payments use the network token + cryptogram
Higher approval rates and lower costs

Create Network Token

curl -X POST https://api.atlas.co/functions/v1/network-tokens \
  -H "Authorization: Bearer cs_client_secret_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "session_id": "sess_abc123",
    "token_id": "tok_card_xyz",
    "request_cryptogram": true
  }'

Parameters:

Parameter	Type	Required	Description
`session_id`	string	Yes	Payment session ID
`token_id`	string	Yes	Card token from tokenization
`request_cryptogram`	boolean	No	Generate cryptogram immediately (default: false)

Response:

{
  "networkTokenId": "nt_abc123...",
  "network": "visa",
  "status": "active",
  "tokenExpiryMonth": "12",
  "tokenExpiryYear": "2028",
  "cryptogram": "AgAAAAAABk4...",
  "cryptogramType": "TAVV"
}

Generate Cryptogram

Cryptograms are single-use and required for each transaction:

curl -X POST https://api.atlas.co/functions/v1/network-tokens/nt_abc123/cryptogram \
  -H "Authorization: Bearer cs_client_secret_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "session_id": "sess_abc123"
  }'

Response:

{
  "cryptogram": "AgAAAAAABk4...",
  "cryptogramType": "TAVV",
  "expiresAt": "2025-01-21T12:10:00Z"
}

Note: Cryptograms expire after 10 minutes.

Get Network Token

curl "https://api.atlas.co/functions/v1/network-tokens/nt_abc123?session_id=sess_abc123" \
  -H "Authorization: Bearer cs_client_secret_xxx"

Delete Network Token

Suspend a network token when a customer removes their saved card:

curl -X DELETE "https://api.atlas.co/functions/v1/network-tokens/nt_abc123?session_id=sess_abc123" \
  -H "Authorization: Bearer cs_client_secret_xxx"

SDK Integration

// Create network token
const networkToken = await Atlas.createNetworkToken({
  sessionId: session.id,
  tokenId: cardToken.id,
  requestCryptogram: true
});

// Use for payment
await Atlas.confirmPayment({
  sessionId: session.id,
  networkTokenId: networkToken.networkTokenId,
  cryptogram: networkToken.cryptogram
});

// Generate new cryptogram for subsequent payment
const { cryptogram } = await Atlas.getCryptogram(networkToken.networkTokenId);

Token Lifecycle

Event	Description
Created	Network token provisioned and active
Updated	Card details changed (new expiry, etc.)
Suspended	Temporarily deactivated
Deleted	Permanently removed

Automatic Updates

Network tokens automatically update when:

Card is reissued with new expiry
Card number changes (rare)
Account status changes

You receive a webhook when tokens are updated:

{
  "type": "network_token.updated",
  "data": {
    "networkTokenId": "nt_abc123",
    "previousExpiry": "12/2025",
    "newExpiry": "12/2028"
  }
}

Supported Networks

Visa (VTS)
Mastercard (MDES)
American Express
Discover (coming soon)

Getting Started

Payments

UI Components

Billing

Data & Security

Mobile

Developer

Network Tokens

What are Network Tokens?

How It Works

Create Network Token

Generate Cryptogram

Get Network Token

Delete Network Token

SDK Integration

Token Lifecycle

Automatic Updates

Supported Networks

​What are Network Tokens?

​How It Works

​Create Network Token

​Generate Cryptogram

​Get Network Token

​Delete Network Token

​SDK Integration

​Token Lifecycle

​Automatic Updates

​Supported Networks

What are Network Tokens?

How It Works

Create Network Token

Generate Cryptogram

Get Network Token

Delete Network Token

SDK Integration

Token Lifecycle

Automatic Updates

Supported Networks