Akurateco
Akurateco

Network Tokens

How Network Tokens Work

Network tokens work by replacing card details with a token generated and managed by the card network. During a transaction, the token is used instead of the card number. The network, in its turn, maps it back to the original card for authorization.

In Akurateco’s customizable and developer-friendly infrastructure, network tokens enable real-time transaction processing, secure recurring payments across different projects, and seamless integrations with multiple PSPs and payment systems.

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Why Network Tokens Matter for Your Business

Network tokens are essential for businesses processing digital payments at scale. They help reduce fraud, increase authorization rates, and improve transaction reliability across devices and channels. Network tokens also enhance customer experience by enabling faster and more secure payments.

Akurateco strengthens these benefits by offering easy API integrations, multi-PSP management, and a scalable open-source infrastructure. As a result, businesses can use a ready-made solution without building complex systems from scratch or increasing operational overhead.

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Wrapping Up / Final Note

Network tokens are a key component of modern payment security, enabling safer transactions, higher approval rates, and reduced exposure of sensitive card data.
Akurateco’s payment solutions support secure, flexible, and scalable payment processing, while keeping pricing predictable.

  • Add payment methods instantly without developing new integrations.
  • Benefit from built-in fraud protection, tokenization, smart transaction routing, and reconciliation capabilities.
  • Avoid regulatory burdens, as the main gateway will take care of compliance.

Related Terms / Services

Issuer bank

3DS payment gateway

Secure payment gateway

Sticky cards

API

Authorization rate

Secure payment gateway

PCI DSS

Payment orchestration platform

White-label payment gateway

FAQ

Why are network tokens important in payments?

They protect sensitive card data and reduce fraud while improving authorization rates. Akurateco integrates network tokenization and many other advanced features that make payments secure and reliable into a single payment orchestration platform.

Who should use network tokens?

Network tokens are ideal for those with recurring or card-on-file payments.  This includes e-commerce businesses, subscription services, marketplaces, and fintech. Akurateco supports these use cases by enabling businesses to integrate network tokens into their payment flows to enhance security and ensure more stable payments without building anything.

How do network tokens improve authorization rates?

Network tokens can improve authorization rates because issuers often trust network-issued tokens more than raw card numbers. Also, tokens can update automatically when a card expires or is reissued. Akurateco helps apply network tokens across payment flows and providers, which reduces declines and keeps approvals more consistent.

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