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The opportunity: making online feel like in-store

Keeping pace with the fast-changing demands of today’s customers is no easy feat, but the real challenge lies in bridging the gap between smooth in-person transactions and often complicated online payments.

Online payments face up to 4x more fraud1 and up to 10% lower authorisation rates,2 leading to checkout friction and customer frustration that ultimately impact sales.

The solution: fighting friction with tokenisation

Pay.com integrated our Token Management Service into its offering so merchants could reduce fraud, boost approval rates, and easily manage credentials and regulatory complexities.

With Visa's dedicated resources and user-friendly APIs, Pay.com was able to offer their merchants more secure, seamless, and cross-channel payment options in record time to help Pay.com stay competitive and empower their merchants to become more agile and adaptable.

Token Management Service was integrated in just 10 days. This speed and quality align with our mission of simplicity and minimal integration effort for our merchants—the hallmark of our premium service.

Tal Goldstein, Director and Head of Acquiring, Pay.com

Here’s just some of the value Token Management Service delivers:

Tokenisation made effortless

Adopt, manage, and access Visa network tokens in one centralised, streamlined solution that can boost authorization rates and fight fraud for a digital shopping experience that rivals in-person transactions.

Smart credential management

Simplifies the process of securing, updating, and managing stored payment credentials so merchants can save time and effort and reduce missed sales opportunities.

Seamless experiences

Enable Visa Passkeys and tokenisation technology to enable secure payment options like one-click and biometric checkouts so customers don’t have to re-enter payment details or manually authenticate.

Customer insights

Get a comprehensive view of customer shopping behaviour so they can craft personalised experiences that meet customers wherever they are, keeping them satisfied and coming back for more.

Network tokens

Token Management Service not only unlocks new opportunities for revenue growth, but it also helps Pay.com’s merchants future-proof their businesses for wherever they want to go next.

10

days is all it took for Pay.com to implement Token Management Service

50%

decrease in fraud for merchants that use network tokens3

4.6%

increase in approval rates for merchants that use network tokens4

1 VisaNet 2023
2 https://stripe.com/gb/guides/optimizing-authorization-rates
3 Card not present average is for set of Token participating merchants (by Merchant DBA) (PAN & Token) with digital wallet TRs February through April 2022 Issuer region: Europe; Visa Token transactions compared to PAN-based transactions online.
VisaNet, Oct-Dec 2022. Visa credit and debit global card-not-present transactions for tokenised vs non-tokenised credentials. Auth rate is defined as approved authorizations divided by total authorization attempts based upon first attempt of a unique transaction.

Disclaimer: Case studies, comparisons, statistics, research and recommendations are provided “AS IS” and intended for informational purposes only and should not be relied upon for operational, marketing, legal, technical, tax, financial or other advice. Visa Inc. neither makes any warranty or representation as to the completeness or accuracy of the information within this document, nor assumes any liability or responsibility that may result from reliance on such information. The Information contained herein is not intended as investment or legal advice, and readers are encouraged to seek the advice of a competent.

Let’s talk tokens
 

Streamlined credential management, higher approval rates, and less fraud are just the start with Token Management Service. We’d love to share how it can work for your business.