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1<!--]--></ul></div><div class="col" data-v-67e720d4><h3 class="submenu-links-heading" data-v-67e720d4>AI/AGENTIC</h3><ul class="list-unstyled" data-v-67e720d4><!--[--><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/ai-data-firewall" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/5xMKeZSOKawWOaZPzyVESH/c5eef8b58cfbead26baade9dab9275cd/icon-menu-gray-aidatafirewall.svg" alt="Navigation Icon" data-v-67e720d4></span>AI Data Firewall</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/agentic-commerce-hub" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/6xCzP1AstEDWB6ql6vuRRk/132ad9c0c02ec5f8370cd8db7c3d6ca1/icon-menu-gray-foragents.svg" alt="Navigation Icon" data-v-67e720d4></span>Agents</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/agentic-commerce-hub-for-merchants" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/1kYdklHDIwSiOy1nUblils/da8b991d0008c1e865a0e765c3b0bee3/icon-menu-gray-formerchants.svg" alt="Navigation Icon" data-v-67e720d4></span>Merchants</a></li><!--]--></ul></div><div class="col" data-v-67e720d4><h3 class="submenu-links-heading" data-v-67e720d4>PCI Compliance</h3><ul class="list-unstyled" data-v-67e720d4><!--[--><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/vault" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/1JmSQUCvqnHLSYiDyGlncy/c97d6908349cc3a0ca26c1d31bd6acb6/icon-menu-gray-vault.svg" alt="Navigation Icon" data-v-67e720d4></span>Vault</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/compliance-solutions/pci" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/5sl4pYByn4mQlA7yYPpYou/2dc9c55fc6d46500a69d771ce69ca6b3/icon-menu-gray-pcicompliance.svg" alt="Navigation Icon" data-v-67e720d4></span>PCI Compliance</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/use-cases/tokenization-api" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/3KldBISsmlK8QHO7CiMwKS/99d6b0a7c3b626054369b76dfad590e8/icon-menu-gray-tokenizationapi.svg" alt="Navigation Icon" data-v-67e720d4></span>Tokenization</a></li><!--]--></ul></div><!--]--></div><div class="col card-col" data-v-67e720d4><!--[--><!----><!----><!----><!----><!----><!----><div class="card card-blue-100" data-v-b1c8b07d data-v-7f2b4731><!----><div class="card-content" data-v-7f2b4731><div class="card-body" data-v-7f2b4731><!--[-->
1<h3 class="card-subtitle" data-v-b1c8b07d>Featured Content</h3><p class="card-title custom-2" data-v-b1c8b07d>A Complete Guide to Unlocking <span class="gradient-text gradient-text-violet-blue" data-v-b1c8b07d>Agentic Commerce for Merchants</span></p><!--]--></div><div class="card-footer" data-v-7f2b4731><!--[--><a class="icon-link icon-link-hover icon-link-cta icon-link-violet-600 js-submenu-item" href="/learn/agentic-commerce-and-payments-for-merchants-guide" data-v-b1c8b07d>Learn More</a><!--]--></div></div></div><!--]--></div></div></div></div></li><li class="has-submenu js-has-submenu dropdown-toggle-container" data-v-67e720d4><a class="js-main-menu mainMenuItem" href="#" aria-expanded="false" role="button" data-v-67e720d4>Use Cases<svg class="bi" width="15" height="15" viewbox="0 0 15 15" fill="none" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" data-v-67e720d4><path fill-rule="evenodd" clip-rule="evenodd" d="M4.02246 0.741206C4.34406 0.419598 4.86549 0.419598 5.1871 0.741206L11.0722 6.62628C11.3041 6.85789 11.4344 7.17222 11.4344 7.5C11.4344 7.82778 11.3041 8.14211 11.0722 8.37372L5.1871 14.2588C4.86549 14.5804 4.34406 14.5804 4.02246 14.2588C3.70085 13.9372 3.70085 13.4158 4.02246 13.0941L9.6166 7.5L4.02246 1.90585C3.70085 1.58424 3.70085 1.06281 4.02246 0.741206Z" fill="#A300CC"></path></svg></a><div class="js-submenu submenu flex-row flex-wrap" id="UseCases" data-v-67e720d4><div class="container" data-v-67e720d4><div class="row nav-alignment" data-v-67e720d4><div class="col links" data-v-67e720d4><!--[--><div class="col" data-v-67e720d4><h3 class="submenu-links-heading" data-v-67e720d4>Use Cases</h3><ul class="list-unstyled" data-v-67e720d4><!--[--><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/card-management-platform" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/89HbTGXfcdEJkTJgd4qR0/b721461a98dd60c208ee59a01a058612/icon-menu-cardmanagement.svg" alt="Navigation Icon" data-v-67e720d4></span>Card Management</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/payment-orchestration" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/5ToPiwKbiGxMHZuvrdh3w8/59dfa31b0ae90a82233e493f0332a5d5/icon-menu-gray-paymentorchestration.svg" alt="Navigation Icon" data-v-67e720d4></span>Payment Orchestration</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/compliance-solutions/pci" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/5sl4pYByn4mQlA7yYPpYou/2dc9c55fc6d46500a69d771ce69ca6b3/icon-menu-gray-pcicompliance.svg" alt="Navigation Icon" data-v-67e720d4></span>PCI Compliance</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/use-cases/pii" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/3ckub2zucP26Gtpt2eNmaT/696eee027dee5a957590a81556a35f11/icon-menu-gray-pii.svg" alt="Navigation Icon" data-v-67e720d4></span>PII</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/use-cases/card-issuers" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/7nv9dXt9VyoTFBXlvPCvyN/9f5ccf9808024cb21dd9814130d1071d/icon-menu-gray-cardissuance.svg" alt="Navigation Icon" data-v-67e720d4></span>Card Issuance</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/use-cases/omni-channel" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/2jaoHFIQR9ZrrEpsa1TKtm/e1a491d6c0d1ba07b489660a5a6f4b48/icon-menu-gray-omnichannel.svg" alt="Navigation Icon" data-v-67e720d4></span>Omni-Channel</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/use-cases/tokenization-api" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/3KldBISsmlK8QHO7CiMwKS/99d6b0a7c3b626054369b76dfad590e8/icon-menu-gray-tokenizationapi.svg" alt="Navigation Icon" data-v-67e720d4></span>Tokenization</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/digital-wallet-payments" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/2qaUPfukLxyNV
15Vd6l9ee1/5a533b463388082fa93d3684ee4e0f6e/icon-menu-gray-walletpayments.svg" alt="Navigation Icon" data-v-67e720d4></span>Wallet Payments</a></li><!--]--></ul></div><div class="col" data-v-67e720d4><h3 class="submenu-links-heading" data-v-67e720d4>Industries</h3><ul class="list-unstyled" data-v-67e720d4><!--[--><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/industries/agentic-commerce" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/X7fQdIzx0bbU0I1uaG8TV/84f9938777974c39ca4dc5d4d7e00569/icon-agentic-commerce.svg" alt="Navigation Icon" data-v-67e720d4></span>Agentic Commerce</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/industries/gig-marketplaces" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/1adRIrmDq7uAAH5FZ3ETHR/31f8afc34268c75ac9fab97469092107/icon-menu-gray-gigeconomy.svg" alt="Navigation Icon" data-v-67e720d4></span>Delivery &amp; Marketplaces</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/industries/ecommerce" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/6U8c8aztOGm0yLGnBlsSI1/b6f667f0e5b0d383abac28c4ced1bb13/icon-menu-gray-ecommerce.svg" alt="Navigation Icon" data-v-67e720d4></span>eCommerce</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/industries/video-gaming" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/WLiTEZbBcUXRoDhkd4Kdg/9870a2c9c24fb25622cebacd9b7d7321/icon-menu-gray-gaming.svg" alt="Navigation Icon" data-v-67e720d4></span>Gaming &amp; Entertainment</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/industries/restaurants" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/4zypFuIU8QBTFZnVhuoCe/f0343560fc73fbb495a1b360ef65d206/icon-menu-gray-restaurants.svg" alt="Navigation Icon" data-v-67e720d4></span>Restaurants</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/industries/crypto" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/4KZfPExcSwPTjFyStjWHno/1a7d1514f6de7ef7cd6ab5b527a7f2d7/icon-nav-crypto.svg" alt="Navigation Icon" data-v-67e720d4></span>Crypto</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/industries/merchant-payment-enablers" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/6TwN8d8zmp2uMBD9EXjXOS/8e8c1a47a471803866892303449bf26e/icon-nav-merchantenabler.svg" alt="Navigation Icon" data-v-67e720d4></span>Merchant Enablers</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/industries/ota-and-insurers" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/1vC8X8QLJxeYu22MVIR0MP/f3995deeb7951f84d993273d3c7b6ea7/icon-menu-ota.svg" alt="Navigation Icon" data-v-67e720d4></span>OTA and Insurers</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/earned-wage-access" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/3hhPAQexwuBz1DknTgwPBY/bb83bccbd683f9c664427b9d610a5b23/icon-menu-gray-ewa.svg" alt="Navigation Icon" data-v-67e720d4></span>Earned Wage Access</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/industries/financial-institutions" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/aWHDPlSPD0mGXlYhnKMhC/7987cddcf841730d2e224091b2369ef3/icon-menu-gray-financial.svg" alt="Navigation Icon" data-v-67e720d4></span>Financial Institutions</a></li><!--]--></ul></div><!--]--></div><div class="col card-col" data-v-67e720d4><!--[--><!----><!----><!----><!----><!----><div class="card card-blue-100" data-v-b1c8b07d data-v-7f2b4731><!----><div class="card-content" data-v-7f2b4731><div class="card-body" data-v-7f2b4731><!--[-->
1<h3 class="card-subtitle" data-v-b1c8b07d>Featured Content</h3><p class="card-title custom-2" data-v-b1c8b07d>VGS unlocks payments in <span class="gradient-text gradient-text-violet-blue" data-v-b1c8b07d>Agentic Commerce</span></p><!--]--></div><div class="card-footer" data-v-7f2b4731><!--[--><a class="icon-link icon-link-hover icon-link-cta icon-link-violet-600 js-submenu-item" href="/blog/posts/vgs-enables-agentic-commerce" data-v-b1c8b07d>Learn More</a><!--]--></div></div></div><!----><!--]--></div></div></div></div></li><li class="has-submenu js-has-submenu dropdown-toggle-container" data-v-67e720d4><a class="js-main-menu mainMenuItem" href="#" aria-expanded="false" role="button" data-v-67e720d4>Partnerships<svg class="bi" width="15" height="15" viewbox="0 0 15 15" fill="none" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" data-v-67e720d4><path fill-rule="evenodd" clip-rule="evenodd" d="M4.02246 0.741206C4.34406 0.419598 4.86549 0.419598 5.1871 0.741206L11.0722 6.62628C11.3041 6.85789 11.4344 7.17222 11.4344 7.5C11.4344 7.82778 11.3041 8.14211 11.0722 8.37372L5.1871 14.2588C4.86549 14.5804 4.34406 14.5804 4.02246 14.2588C3.70085 13.9372 3.70085 13.4158 4.02246 13.0941L9.6166 7.5L4.02246 1.90585C3.70085 1.58424 3.70085 1.06281 4.02246 0.741206Z" fill="#A300CC"></path></svg></a><div class="js-submenu submenu flex-row flex-wrap" id="Partnerships" data-v-67e720d4><div class="container" data-v-67e720d4><div class="row nav-alignment" data-v-67e720d4><div class="col links" data-v-67e720d4><!--[--><div class="col" data-v-67e720d4><h3 class="submenu-links-heading" data-v-67e720d4>Partnerships</h3><ul class="list-unstyled" data-v-67e720d4><!--[--><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/partners" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/5pibjeqlNFLADxPcpo95Xo/cd0c386a2b2e91bac1b7dadd778926c7/icon-menu-gray-become-parter.svg" alt="Navigation Icon" data-v-67e720d4></span>Overview</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/partners/directory" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/16a84rJcz4alNnXdeOmXyF/6117f02369016d1bb48b5e7af0b570f5/icon-menu-gray-partner-directory.svg" alt="Navigation Icon" data-v-67e720d4></span>Partner Directory</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/contact" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/3GP68Wm6jT17XRyC9yTBAY/6b23519365bbe27ff88aef14446b781d/icon-menu-gray-form.svg" alt="Navigation Icon" data-v-67e720d4></span>Become a Partner</a></li><!--]--></ul></div><div class="col" data-v-67e720d4><h3 class="submenu-links-heading" data-v-67e720d4>CATEGORIES</h3><ul class="list-unstyled" data-v-67e720d4><!--[--><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/partners/directory" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/2cP6oyfZjsJMd0xv37sTaz/4024cd9a212d4324ee5d27327d79c305/icon-menu-gray-card-networks.svg" alt="Navigation Icon" data-v-67e720d4></span>Card Networks</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/partners/directory" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/5bwNkYuxqRyl938eNpVcng/2a390c0235712034111f3809c4591841/icon-menu-gray-pspprocessors.svg" alt="Navigation Icon" data-v-67e720d4></span>PSPs &amp; Processors</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/partners/directory" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/3oGJwiF3frTNhOkGFUEZ95/07e031fc0fd10672e18a9067860f50ed/icon-menu-gray-cloudpartners.svg" alt="Navigation Icon" data-v-67e720d4></span>Cloud Partners</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/partners/directory" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/3XvEbJENukIlSf6UBIuoZ/4823c728e81f933af162a4938d6498fa/icon-menu-gray-fraud-prevention.svg" alt="Navigation Icon" data-v-67e720d4></span>Fraud &amp; Risk Prevention</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/partners/directory" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/7qqGXQyOuzo93zKqBvz6F1/5d2f1c542b5e0b6486be976dc7ccee8a/icon-menu-gray-consulting.svg" alt="Navigation Icon" data-v-67e720d4></span>Services &amp; Consulting</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/partners/directory" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/aWHDPlSPD0mGXlYhnKMhC/7987cddcf841730d2e224091b2369ef3/icon-menu-gray-financial.svg" alt="Navigation Icon" data-v-67e720d4></span>Pay by Bank</a></li><li data-v-67e720d4><a class="submenu-link js-submenu-item" href="/partners/directory" data-v-67e720d4><span class="submenu-icon" data-v-67e720d4><img src="https://images.ctfassets.net/e6d9jibdbc6c/3a7MhXTtjCo3SbCdckLLGB/befbc0f50759e9f02cede7c7ac4c50b6/icon-menu-gray-qsa.svg" alt="Navigation Icon" data-v-67e720d4></span>Qualified Security Assessors (QSA)</a></li>
1<!--]--></ul></div><!--]--></div><div class="col card-col" data-v-67e720d4><!--[--><div class="card card-blue-100" data-v-b1c8b07d data-v-7f2b4731><!----><div class="card-content" data-v-7f2b4731><div class="card-body" data-v-7f2b4731><!--[--><h3 class="card-subtitle" data-v-b1c8b07d>Announcement</h3><p class="pt-5" data-v-b1c8b07d><img src="https://images.ctfassets.net/e6d9jibdbc6c/AWIc2g2gGPOlBlrijIGS6/6654b4578afee0a3e0f3508e836d7f9b/aws-color.svg" alt="AWS logo" class="aws-logo" data-v-b1c8b07d></p><!--]--></div><div class="card-footer" data-v-7f2b4731><!--[--><a class="icon-link icon-link-hover icon-link-cta icon-link-violet-600 js-submenu-item" href="/blog/posts/vgs-is-now-an-aws-financial-services-competency-partner" data-v-b1c8b07d>Learn More</a><!--]--></div></div></div><!----><!----><!----><!----><!----><!----><!--]--></div></div></div></div></li><li class="has-submenu js-has-submenu dropdown-toggle-container" data-v-67e720d4><a class="js-main-menu mainMenuItem" href="#" 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1<h3 class="card-subtitle" data-v-b1c8b07d>Featured</h3><h4 class="card-title gradient-text custom-dev" data-v-b1c8b07d><span class="gradient-text gradient-text-violet-blue" data-v-b1c8b07d>Getting Started<span class="blue-800" data-v-b1c8b07d> with VGS</span></span></h4><!--]--></div><div class="card-footer" data-v-7f2b4731><!--[--><a class="icon-link icon-link-hover icon-link-cta icon-link-violet-600 js-submenu-item" href="https://docs.verygoodsecurity.com/cmp/platform/getting-started" data-v-b1c8b07d>Get Started with Docs</a><a class="icon-link icon-link-hover icon-link-cta icon-link-violet-600 js-submenu-item" href="https://dashboard.verygoodsecurity.com/signup" data-v-b1c8b07d>Create a Sandbox</a><!--]--></div></div></div><!--]--></div></div></div></div></li><li class="has-submenu js-has-submenu dropdown-toggle-container" data-v-67e720d4><a class="js-main-menu mainMenuItem" href="#" aria-expanded="false" role="button" data-v-67e720d4>Company<svg class="bi" width="15" height="15" 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1<!--]--></ul></div><!--]--></div><div class="col card-col" data-v-67e720d4><!--[--><!----><!----><!----><!----><div class="card card-blue-100" data-v-b1c8b07d data-v-7f2b4731><!----><div class="card-content" data-v-7f2b4731><div class="card-body" data-v-7f2b4731><!--[--><h3 class="card-subtitle" data-v-b1c8b07d>Featured Content</h3><p class="card-title" data-v-b1c8b07d><span class="gradient-text gradient-text-violet-blue" data-v-b1c8b07d>Events </span>Calendar</p><!--]--></div><div class="card-footer" data-v-7f2b4731><!--[--><a class="icon-link icon-link-hover icon-link-cta icon-link-violet-600 js-submenu-item" href="/event-calendar" data-v-b1c8b07d>Learn More</a><!--]--></div></div></div><!----><!----><!--]--></div></div></div></div></li><!--]--></ul><ul class="nav navbar-nav navbar-right" data-v-67e720d4><li class="signup" data-v-67e720d4><a href="https://dashboard.verygoodsecurity.com/signup" class="btn btn-violet-600 btn-md undefined js-main-menu btn-gradient" target="_blank" data-v-67e720d4>Sign Up</a></li><li class="me-2" data-v-67e720d4><a href="/contact" class="btn btn-violet-600 btn-md undefined js-main-menu" data-v-67e720d4>Contact Us</a></li><li data-v-67e720d4><a href="https://dashboard.verygoodsecurity.com/signin" class="btn btn-link btn-md undefined js-main-menu" target="_blank" data-v-67e720d4>Log In</a></li></ul></div></div></div></nav><!--]--><!--[--><div></div><!--[--><section class="top-headersection bg-gradient-blue-purple-light-2" data-v-4359879d><div class="container d-flex gap-5 align-items-center flex-column-reverse flex-lg-row" data-v-4359879d><div class="d-flex flex-column-reverse col-lg-6" data-v-4359879d><h1 class="h2" data-v-4359879d>VGS Enables Agentic Commerce</h1><p class="text-violet-600 subhead" data-v-4359879d>April 30, 2025</p></div><div class="col-lg-6" data-v-4359879d><div data-v-4359879d><img class="featuredimage2" src="//images.ctfassets.net/e6d9jibdbc6c/5xClCCXlj7err9adAOjZS9/d4f7c58cd44340c47e231451fae1328c/vgs-enables-agentic-commerce.png" alt="VGS Enables Agentic Commerce" data-v-4359879d></div></div></div></section><div class="container pb-5" data-v-4359879d><nav class="breadcrumb-main-nav" aria-label="breadcrumb" data-v-4359879d data-v-8e54144a><ol class="breadcrumb" data-v-8e54144a><li class="breadcrumb-item" data-v-8e54144a><a class="text-gray-400" href="/" data-v-8e54144a>Home</a></li><li class="breadcrumb-item text-reset" data-v-8e54144a><a href="/blog" data-v-8e54144a>Blog</a></li><li class="breadcrumb-item active" aria-current="page" data-v-8e54144a>VGS Enables Age...</li></ol></nav><div class="mb-5 row" data-v-4359879d><div class="col-md-10 post-body" data-v-4359879d><div data-v-4359879d><div class="violet-rounded-1 mt-4">
2  <p class="pb-3">Today, one of the biggest payment challenges that exists is solving the last-mile of a purchase made using an AI agent. In agentic commerce, a truly universal platform needs to ensure a consumer can buy any product, from any merchant, using any payment method – and VGS has one of the only platforms that can make this possible.</p>
3  <p class="pb-0 mb-0">VGS is proud to announce that we are a preferred pilot partner with Visa, helping to pioneer the future of commerce. Our long-standing strategic partnership for payments tokenization is now evolving into foundational infrastructure to enable AI and Agent-driven commerce experiences, an emerging ecosystem often called Agentic Commerce.</p>
4</div>
5<div class="blue-green-rounded-1">
6  <div class="inner">
7    <div class="left-side">
8      <img class="visa-139 pb-3" src="https://images.ctfassets.net/e6d9jibdbc6c/2E5L5WG8c0SPGgPwO1IyY3/e507b907f32045eb1bf500b95b1d89cb/visa-139.svg" />
9    </div>
10    <div class="right-side">
11      <h3 class="text-blue-800">VGS is a preferred partner for the Visa Intelligent Commerce Program</h3>
12      <p class="text-blue-800 pb-2">VGS and Visa are partnering to help Agentic Commerce businesses with their payment challenges.</p>
13      <a class="btn btn-violet-600 btn-md" href="/press-releases/vgs-expands-partnership-with-visa-to-pioneer-ai-driven-commerce">Learn More</a>
14    </div>
15  </div>
16</div>
17<div class="row mt-50">
18<div class="col-lg-6">
19  <div class="voutline-icon-61">
20    <img src="https://images.ctfassets.net/e6d9jibdbc6c/5v73RYGE2MuffazX2Z7zol/485c88fd6944abde7e0a5bbe70b4c11e/icon-61-quotes.svg" class="icon" />
21    <p class="mainquote">“In order for agentic commerce to scale, <span class="fw-700">consumer payment information needs to be shared by the AI Agent, Merchant and Processors</span>,” says VGS CEO, Chuck Yu. “We're excited to empower agentic commerce businesses to 
21securely connect all of these parties and <span class="fw-700">create a unified platform</span> that connects any merchant, any product, and any payment method for seamless a checkout experience.”</p>
22  </div>
23</div>
24<div class="col-lg-6 pt-4">
25<p class="pb-3">VGS is an infrastructure platform that powers the full payment experience for agents, merchants, and processors. With VGS, AI companies and agentic commerce platforms can:</p>
26<ul class="blueg-checks">
27<li>Utilize PCI-compliant, secure and portable VGS Tokens that are built to be transmitted to third-parties, including between agents</li>
28<li>Process authenticated transactions on behalf of customers with Network Tokens</li>
29<li>Intelligently perform credential sharing with merchants and AI agents</li>
30</ul>
31</div>
32</div>
33<div class="row mb-50">
34  <div class="col-lg-12">
35    <div class="icon-lineunder-w100">
36      <img class="main-icon" src="https://images.ctfassets.net/e6d9jibdbc6c/4Jz94oJePlRx71MQl5UoSH/f03dc02e04971351ebdae3041bc247f3/icon-91-pci-compliance.svg" alt="icon">
37      <div class="line-w100">&nbsp;</div>
38    </div>
39  </div>
40</div>
41<h3 class="pb-3">PCI Compliance</h3>
42<p class="pb-3">Connecting agents, merchants, and processors requires a way to securely pass sensitive payment data between parties. Utilize <a href="/blog/posts/what-is-pci-compliance" class="violet">PCI compliant</a>, secure and portable VGS Tokens that are built to be transmitted to third-parties, including between agents. Collect, protect, and store sensitive data with the VGS Vault to mitigate risks when your agent needs to use sensitive payment data to route to merchants, agents, and payment providers.</p>
43<p class="pb-3">Agentive commerce platforms can also collect and store card information on file for future purchases, including non-human in the loop transactions. With stored data tokenized, agents can connect with merchants, other agents, and third parties to share, route, and process transactions reliably.</p>
44<div class="row mb-50">
45  <div class="col-lg-12">
46    <div class="icon-lineunder-w100">
47      <img class="main-icon" src="https://images.ctfassets.net/e6d9jibdbc6c/7cIZgyxn20KDdHJaqKWD8z/c2d0b87d727ed1b8bcbc75a3ed3b33a7/icon-91-databases.svg" alt="icon">
48      <div class="line-w100">&nbsp;</div>
49    </div>
50  </div>
51</div>
52<h3 class="pb-3">Network Tokens</h3>
53<p class="pb-4"><a href="/network-tokens" class="violet">VGS Network Tokens</a> allows agentic commerce businesses and AI-driven platforms to secure payment data by substituting card numbers (PAN) with unique tokens powered by Card Networks. When a user comes back to make a subsequent purchase, that card information on file will be ready and updated for a safely authenticated purchase. In the future, these will be combined with important security features that ensure Agents are authorized to make a transaction only directed by real users.</p>
54<div class="voutline-centered-cta">
55  <p class="pb-0 mb-0 fw-700 inner">Check out VGS Network Tokens for your AI-driven commerce business to benefit from enhanced security, reduced fraud, and higher authorization rates.</p>
56</div>
57<p class="centercta-v1"><a class="btn btn-violet-600 btn-md" href="/network-tokens">Learn More</a></p>
58<p class="pt-4 pb-3 mb-50">VGS is at the forefront of empowering agentive commerce and merchant platforms. With connections and certifications to all four global card networks, VGS is among the first to enable building blocks and scalable standards in agentic commerce alongside partners like <a href="https://payos.ai/" class="violet">PayOS</a>, a leading agentic card payment platform. We partnered with PayOS to provide them with Network Tokens and VGS PCI Tokens, enabling them to provide a seamless payment experience on all ends of the transactions with tokens.</p>
59<div class="voutline-icon-61 v2 mb-40">
60  <img src="https://images.ctfassets.net/e6d9jibdbc6c/5v73RYGE2MuffazX2Z7zol/485c88fd6944abde7e0a5bbe70b4c11e/icon-61-quotes.svg" class="icon" />
61  <p class="mainquote pb-4">"By partnering with VGS, we can offer PCI-compliant, agent-friendly vaulting that enables AI agents to safely initiate payments, billing, and transfers—at scale. Together, we're making it possible for agents to interact with money as seamlessly as humans do."</p>
62  <p>- Johnathan McGowan, CEO & Co-Founder, PayOS</p>
63  <p><img src="https://images.ctfassets.net/e6d9jibdbc6c/6sd82ko8nD3eFT8hB23aN6/c8d8ce99d465654dafc73f74a2a2aa52/PayOS-logo.svg" alt="PayOS logo" /></p>
64</div>
65<div class="violet-rounded-1 v2 mt-4">
66  <h4 class="pb-3">Generating a Network Token from VGS Card Management</h4>
67  <p class="text-center"><img class="vgscmp-diagram" src="https://images.ctfassets.net/e6d9jibdbc6c/USQHI0YAuCX7ZKOXLlaan/eed68ae9c95e93427d6f4bfb42c0aa31/vgs-cmp-diagram.png" /></p>
68</div>
69<div class="row mb-50">
70  <div class="col-lg-12">
71    <div class="icon-lineunder-w100">
72      <img class="main-icon" src="https://images.ctfassets.net/e6d9jibdbc6c/7tIr60OEmrsV1bhuHApi2F/70b977b34a37e938694eb4d78d29f07a/icon-91-pii-data-security.svg" alt="icon">
73      <div class="line-w100">&nbsp;</div>
74    </div>
75  </div>
76</div>
77<h3 class="pb-3">PII Data Security</h3>
78<p class="pb-3">Tokenizing sensitive data isn't limited to just card data, it also includes PII, <a href="https://www.ibm.com/think/topics/pii#:~:text=What%20is%20PII%3F,email%20a
78ddress%20or%20phone%20number." class="violet">personal identification information</a>. With VGS, AI agents do not need to handle sensitive user information (ie. name, email, shipping address) and instead can leverage a secure token, preventing any sensitive information from being exposed.</p>
79<p class="pb-0 mb-50">An added enhancement? Tokenizing PII ensures that AI agents aren't utilizing sensitive personal data for AI modeling. With tokens, consumer data is now protected and AI agents are trusted only with data that is necessary to complete payment.</p>
80<div class="row">
81  <div class="col-lg-12">
82    <div class="case-study-blue-purple">
83      <div class="inner text-left">
84        <h4 class="pb-3 pt-3">Why VGS?</h4>
85        <p class="pb-3">The need for a tokenization platform to unlock payments in agentic commerce is more critical than ever. VGS tokens were built to be transmitted to third parties, solving the unique problem of uniting the multiple parties needed to enable agentic commerce at scale. VGS's patented technology to securely transmit sensitive data to any authorized third-party (via VGS Proxies) powers payments data to move more than 40B+ times a year. VGS has the ability to do this across any platform or merchants' existing integrations with payment providers with no additional integrations or coding needed.</p>
86        <p class="pb-3">Tokenization is the best programmatic mechanism for trust and security in agentic commerce. VGS is one of the only providers in the world built to securely transmit data with the control and flexibility required for Agentic Commerce and AI Platforms at scale.</p>
87        <a class="btn btn-violet-600 btn-md mb-4" href="/contact">Learn More</a>
88      </div>
89    </div>
90  </div>
91</div>
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587</style></div></div><div class="col-md-2 pt-5 pt-md-0 text-center text-md-start" data-v-4359879d><!--[--><div class="author mb-5" data-v-4359879d><img class="rounded-circle" src="//images.ctfassets.net/e6d9jibdbc6c/5OLBayNlBItUNsjPzjoo7A/2ec21b431f578492fd4e70ff0001d66c/laura-furlong-bio.png?w=88&amp;h=88" alt="laura-furlong-bio" data-v-4359879d><p class="name" data-v-4359879d>Laura Furlong</p><p class="bio" data-v-4359879d>Sr. Marketing Manager</p><a class="meta-socials meta-linkedin" href="https://www.linkedin.com/in/laura-furlong/" rel="noreferrer noopener nofollow" target="_blank" title="LinkedIn" data-v-4359879d><img src="https://images.ctfassets.net/e6d9jibdbc6c/5xicrNcKJO16SlQnmZgMy3/c0bdcb6dff61c15296b85a94dad6bf2d/linkedin-icon-bios.svg" alt="Linkedin Icon" data-v-4359879d></a></div><!--]--></div></div><h2 class="h3 mb-4" data-v-4359879d>You Might Also Be Interested In...</h2><div class="row row-cols-lg-3" data-v-4359879d><!--[--><div class="d-flex justify-center" data-v-4359879d><div class="blog-listing-card" data-v-4359879d><div class="featuredimage-container"><a href="/blog/posts/10-billion-tokens-the-next-chapter-in-payments-innovation" target="_self"><div><img class="featuredimage" src="//images.ctfassets.net/e6d9jibdbc6c/fV3ZmZ2HOflVkRRN3oISX/2cf1b902a684ca1d211a3095d65cf00b/10-billion-tokens-vgs-hero.png" alt="10 Billion Tokens: The Next Chapter in Payments Innovation"></div></a></div><div class="category-container"><div class="category">News</div></div><div class="card-body-container"><a class="body-title" href="/blog/posts/10-billion-tokens-the-next-chapter-in-payments-innovation" target="_self">10 Billion Tokens: The Next Chapter in Payments Innovation</a><div class="body-desc"><p>VGS surpasses 10 billion tokens stored, now adding 1B+ monthly. See how trusted infrastru
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588</div><div class="body-published">September 22, 2026</div></div></div></div><div class="d-flex justify-center" data-v-4359879d><div class="blog-listing-card" data-v-4359879d><div class="featuredimage-container"><a href="/blog/posts/mastercard-tlid-and-subscriptions-are-you-ready" target="_self"><div><img class="featuredimage" src="//images.ctfassets.net/e6d9jibdbc6c/3WCjBYP6vtXcH3MgmU9Aad/e907c5f36dad22615445d21506ff4b86/VGS-Mastercard-TLID-Subscriptions-are-you-ready-OG__1_.png" alt="Mastercard TLID and Subscriptions: Are you ready?"></div></a></div><div class="category-container"><div class="category">Payments</div></div><div class="card-body-container"><a class="body-title" href="/blog/posts/mastercard-tlid-and-subscriptions-are-you-ready" target="_self">Mastercard TLID and Subscriptions: Are you ready?</a><div class="body-desc"><p>Mastercard’s TLID mandate is reshaping subscription billing. Learn key deadlines, backfill options for existing subscriptions, and how to keep CIT/MIT transactions compliant before the October 2026 enforcement date and avoid costly declines</p>
589</div><div class="body-published">August 26, 2026</div></div></div></div><div class="d-flex justify-center" data-v-4359879d><div class="blog-listing-card" data-v-4359879d><div class="featuredimage-container"><a href="/blog/posts/what-is-a-network-token" target="_self"><div><img class="featuredimage" src="//images.ctfassets.net/e6d9jibdbc6c/6qfQTqHqGW7KSMNwTXsB7H/032dc9b80335a749cfabb1cde11486e1/beyond-the-pan-what-merchants-need-to-know-about-network-tokens-Hero.png" alt="Beyond the PAN: What Merchants Need to Know About Network Tokens"></div></a></div><div class="category-container"><div class="category">Payments</div></div><div class="card-body-container"><a class="body-title" href="/blog/posts/what-is-a-network-token" target="_self">Beyond the PAN: What Merchants Need to Know About Network Tokens</a><div class="body-desc"><p>Learn how network tokens replace PANs to cut fraud, boost authorization rates, and improve payment continuity. See how VGS helps merchants manage tokens across processors.</p>
590</div><div class="body-published">August 20, 2026</div></div></div></div><!--]--></div></div><!--]--><!--]--><footer class="footer-container" data-v-e2c3c5e0><section data-v-e2c3c5e0><div class="container" data-v-e2c3c5e0><div class="row" data-v-e2c3c5e0><div class="col-lg-12 logo-row" data-v-e2c3c5e0><div class="vgs-logo" data-v-e2c3c5e0><img src="https://images.ctfassets.net/e6d9jibdbc6c/6oOHDEeDvB89e69DLxizNK/dbe403e23718c11603bd0e513e41a0cf/vgs-footer-logo.svg" alt="VGS Logo" data-v-e2c3c5e0></div></div></div><div class="row" data-v-e2c3c5e0><div class="col-lg-5 nav-blocks left" data-v-e2c3c5e0><div class="col-6" data-v-e2c3c5e0><p class="nav-subhead" data-v-e2c3c5e0>USE CASES</p><ul class="footerlinks" data-v-e2c3c5e0><li data-v-e2c3c5e0><a href="/card-management-platform" data-v-e2c3c5e0>Card Management</a></li><li data-v-e2c3c5e0><a href="/payment-orchestration" data-v-e2c3c5e0>Payments Orchestration</a></li><li data-v-e2c3c5e0><a href="/compliance-solutions/pci" data-v-e2c3c5e0>PCI Compliance</a></li><li data-v-e2c3c5e0><a href="/use-cases/pii" data-v-e2c3c5e0>PII</a></li><li data-v-e2c3c5e0><a href="/vault" data-v-e2c3c5e0>Vault</a></li><li data-v-e2c3c5e0><a href="/use-cases/card-issuers" data-v-e2c3c5e0>Card Issuance</a></li><li data-v-e2c3c5e0><a href="/use-cases/omni-channel" data-v-e2c3c5e0>Omni-channel Loyalty</a></li><li data-v-e2c3c5e0><a href="/tokenized-account-numbers" data-v-e2c3c5e0>Open Banking</a></li><li data-v-e2c3c5e0><a href="/use-cases/tokenization-api" data-v-e2c3c5e0>Tokenization</a></li></ul></div><div class="col-6" data-v-e2c3c5e0><p class="nav-subhead" data-v-e2c3c5e0>Industries</p><ul class="footerlinks" data-v-e2c3c5e0><li data-v-e2c3c5e0><a href="/industries/agentic-commerce" data-v-e2c3c5e0>Agentic Commerce</a></li><li data-v-e2c3c5e0><a href="/industries/crypto" data-v-e2c3c5e0>Crypto</a></li><li data-v-e2c3c5e0><a href="/industries/gig-marketplaces" data-v-e2c3c5e0>Delivery &amp; Marketplaces</a></li><li data-v-e2c3c5e0><a href="/earned-wage-access" data-v-e2c3c5e0>Earned Wage Access</a></li><li data-v-e2c3c5e0><a href="/industries/ecommerce" data-v-e2c3c5e0>eCommerce</a></li><li data-v-e2c3c5e0><a href="/industries/financial-institutions" data-v-e2c3c5e0>Financial Institutions</a></li><li data-v-e2c3c5e0><a href="/industries/video-gaming" data-v-e2c3c5e0>Gaming &amp; Entertainment</a></li><li data-v-e2c3c5e0><a href="/industries/merchant-payment-enablers" data-v-e2c3c5e0>Merchant Payment Enablers</a></li><li data-v-e2c3c5e0><a href="/industries/ota-and-insurers" data-v-e2c3c5e0>OTA and Insurers</a></li><li data-v-e2c3c5e0><a href="/industries/restaurants" data-v-e2c3c5e0>Restaurants</a></li></ul></div><div class="col-6" data-v-e2c3c5e0><p class="nav-subhead" data-v-e2c3c5e0>PCI Compliance</p><ul class="footerlinks" data-v-e2c3c5e0><li data-v-e2c3c5e0><a href="/vault" data-v-e2c3c5e0>Vault</a></li><li data-v-e2c3c5e0><a href="/compliance-solutions/pci" data-v-e2c3c5e0>PCI Compliance</a></li><li data-v-e2c3c5e0><a href="/compliance-solutions/pci-audit" data-v-e2c3c5e0>PCI Audit</a></li><li data-v-e2c3c5e0><a href="/compliance-solutions/pci-assessment" data-v-e2c3c5e0>PCI Assessment</a></li><li data-v-e2c3c5e0><a href="/use-cases/tokenization-api" data-v-e2c3c5e0>Tokenization</a></li><li data-v-e2c3c5e0><a href="/learn/tokenization" data-v-e2c3c5e0>Learn about Tokenization</a></li><li data-v-e2c3c5e0>
590<a href="/learn/pci-compliance" data-v-e2c3c5e0>Learn about PCI Compliance</a></li></ul></div><div class="col-6" data-v-e2c3c5e0><p class="nav-subhead" data-v-e2c3c5e0>Payments</p><ul class="footerlinks" data-v-e2c3c5e0><li data-v-e2c3c5e0><a href="/network-tokens" data-v-e2c3c5e0>Network Tokens</a></li><li data-v-e2c3c5e0><a href="/account-updater" data-v-e2c3c5e0>Account Updater</a></li><li data-v-e2c3c5e0><a href="/payment-orchestration" data-v-e2c3c5e0>Payments Orchestration</a></li><li data-v-e2c3c5e0><a href="/tokenized-account-numbers" data-v-e2c3c5e0>Pay by Bank</a></li><li data-v-e2c3c5e0><a href="/tokenized-account-numbers" data-v-e2c3c5e0>Tokenized Account Numbers</a></li><li data-v-e2c3c5e0><a href="/use-cases/card-issuers" data-v-e2c3c5e0>Card Issuance</a></li><li data-v-e2c3c5e0><a href="/card-attributes-bin-lookup" data-v-e2c3c5e0>Card Attributes / BIN Lookup</a></li><li data-v-e2c3c5e0><a href="/account-validation" data-v-e2c3c5e0>Account Validation</a></li><li data-v-e2c3c5e0><a href="/3ds" data-v-e2c3c5e0>3DS</a></li><li data-v-e2c3c5e0><a href="/digital-wallet-payments" data-v-e2c3c5e0>Wallet Payments</a></li></ul></div></div><div class="col-lg-7 right" data-v-e2c3c5e0><div class="col-6 nav-blocks" data-v-e2c3c5e0><div class="col-6" data-v-e2c3c5e0><p class="nav-subhead" data-v-e2c3c5e0>Developers</p><ul class="footerlinks" data-v-e2c3c5e0><li data-v-e2c3c5e0><a class="light" href="https://docs.verygoodsecurity.com/cmp" data-v-e2c3c5e0>Card Management</a></li><li data-v-e2c3c5e0><a class="light" href="https://docs.verygoodsecurity.com/cmp/products-and-services/network-tokens" data-v-e2c3c5e0>Network Tokens</a></li><li data-v-e2c3c5e0><a class="light" href="https://docs.verygoodsecurity.com/cmp/products-and-services/account-updater" data-v-e2c3c5e0>Account Updater</a></li><li data-v-e2c3c5e0><a class="light" href="https://docs.verygoodsecurity.com/cmp/products-and-services/card-attributes" data-v-e2c3c5e0>Card Attributes</a></li><li data-v-e2c3c5e0><a class="light" href="https://docs.verygoodsecurity.com/cmp/products-and-services/account-validation" data-v-e2c3c5e0>Account Validation</a></li><li data-v-e2c3c5e0><a class="light" href="https://docs.verygoodsecurity.com/cmp/products-and-services/3ds" data-v-e2c3c5e0>3DS</a></li><li data-v-e2c3c5e0><a class="light" href="https://docs.verygoodsecurity.com/agentic-commerce" data-v-e2c3c5e0>Agentic Commerce</a></li><li data-v-e2c3c5e0><a class="light" href="https://docs.verygoodsecurity.com/vault" data-v-e2c3c5e0>Vault Overview</a></li></ul></div><div class="col-6" data-v-e2c3c5e0><p class="nav-subhead" data-v-e2c3c5e0>Resources</p><ul class="footerlinks" data-v-e2c3c5e0><li data-v-e2c3c5e0><a class="light" href="/learn/resource-library" data-v-e2c3c5e0>Resource Library</a></li><li data-v-e2c3c5e0><a class="light" href="/press" data-v-e2c3c5e0>Newsroom</a></li><li data-v-e2c3c5e0><a class="light" href="/blog" data-v-e2c3c5e0>Blog</a></li><li data-v-e2c3c5e0><a class="light" href="https://security.verygoodsecurity.com/" data-v-e2c3c5e0>Trust Center</a></li><li data-v-e2c3c5e0><a class="light" href="/learn/payments-201" data-v-e2c3c5e0>Education</a></li><li data-v-e2c3c5e0><a class="light" href="/learn/glossary" data-v-e2c3c5e0>Glossary</a></li></ul></div><div class="col-6" data-v-e2c3c5e0><p class="nav-subhead" data-v-e2c3c5e0>Support</p><ul class="footerlinks" data-v-e2c3c5e0><li data-v-e2c3c5e0><a class="light" href="https://support.verygoodsecurity.com/s/" data-v-e2c3c5e0>Help Center</a></li><li data-v-e2c3c5e0><a class="light" href="https://support.verygoodsecurity.com/s/topic/0TO1I0000013eFvWAI/setup" data-v-e2c3c5e0>Community</a></li><li data-v-e2c3c5e0><a class="light" href="https://status.verygoodsecurity.com/" data-v-e2c3c5e0>API Status</a></li><li data-v-e2c3c5e0><a class="light" href="/ras" data-v-e2c3c5e0>RAS</a></li></ul></div><div class="col-6" data-v-e2c3c5e0><p class="nav-subhead" data-v-e2c3c5e0>Company</p><ul class="footerlinks" data-v-e2c3c5e0><li data-v-e2c3c5e0><a class="light" href="/about-us" data-v-e2c3c5e0>About Us</a></li><li data-v-e2c3c5e0><a class="light" href="/careers" data-v-e2c3c5e0>Careers</a></li><li data-v-e2c3c5e0><a class="light" href="/contact" data-v-e2c3c5e0>Contact Us</a></li><li data-v-e2c3c5e0><a class="light" href="/pricing" data-v-e2c3c5e0>Pricing</a></li><li data-v-e2c3c5e0><a class="light" href="/event-calendar" data-v-e2c3c5e0>Events</a></li><li data-v-e2c3c5e0><a class="light" href="/compare-vgs-to-other-vaults" data-v-e2c3c5e0>Comparison</a></li></ul></div></div><div class="col-6 contact-us" data-v-e2c3c5e0><a class="follow-linkedin" href="https://www.linkedin.com/company/18142614/" target="_blank" data-v-e2c3c5e0><img class="icon" src="https://images.ctfassets.net/e6d9jibdbc6c/6CXJsGpyuSi26wiKAB6u7o/e7df6ed52
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590<script>window.__NUXT__={};window.__NUXT__.config={public:{dashDomain:"https://dashboard.verygoodsecurity.com"},app:{baseURL:"/blog",buildId:"be62874d-91a8-413c-8c1b-f0c141acb9aa",buildAssetsDir:"/_nuxt/",cdnURL:""}}</script>
590<script type="application/json" data-nuxt-data="nuxt-app" data-ssr="true" id="__NUXT_DATA__">[["ShallowReactive",1],{"prerenderedAt":2,"data":3,"state":493,"once":502,"_errors":503,"serverRendered":505,"path":506},1790088393895,["ShallowReactive",4],{"blogPost-vgs-enables-agentic-commerce":5},{"metadata":6,"sys":9,"fields":30},{"tags":7,"concepts":8},[],[],{"space":10,"id":15,"type":16,"createdAt":17,"updatedAt":18,"environment":19,"publishedVersion":23,"revision":24,"contentType":25,"locale":29},{"sys":11},{"type":12,"linkType":13,"id":14},"Link","Space","e6d9jibdbc6c","6oTN8V3osnfC5Y4l2Pf6nb","Entry","2025-04-30T18:43:15.597Z","2025-09-29T19:28:52.628Z",{"sys":20},{"id":21,"type":12,"linkType":22},"master","Environment",67,3,{"sys":26},{"type":12,"linkType":27,"id":28},"ContentType","blogPost","en-US",{"title":31,"slug":32,"hideFromSearch":33,"heroImage":34,"heroImage2":34,"ogImage":58,"description":80,"body":81,"author":82,"publishDate":121,"category":122,"seoDescription":139,"related":140},"VGS Enables Agentic Commerce","vgs-enables-agentic-commerce",false,{"metadata":35,"sys":38,"fields":47},{"tags":36,"concepts":37},[],[],{"space":39,"id":41,"type":42,"createdAt":43,"updatedAt":43,"environment":44,"publishedVersion":24,"revision":46,"locale":29},{"sys":40},{"type":12,"linkType":13,"id":14},"5xClCCXlj7err9adAOjZS9","Asset","2025-04-28T20:09:31.746Z",{"sys":45},{"id":21,"type":12,"linkType":22},1,{"title":32,"description":48,"file":49},"",{"url":50,"details":51,"fileName":56,"contentType":57},"\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F5xClCCXlj7err9adAOjZS9\u002Fd4f7c58cd44340c47e231451fae1328c\u002Fvgs-enables-agentic-commerce.png",{"size":52,"image":53},64065,{"width":54,"height":55},668,353,"vgs-enables-agentic-commerce.png","image\u002Fpng",{"metadata":59,"sys":62,"fields":69},{"tags":60,"concepts":61},[],[],{"space":63,"id":65,"type":42,"createdAt":66,"updatedAt":66,"environment":67,"publishedVersion":24,"revision":46,"locale":29},{"sys":64},{"type":12,"linkType":13,"id":14},"5AkQ4tiiRGS46vX2777SKE","2025-04-28T20:10:08.198Z",{"sys":68},{"id":21,"type":12,"linkType":22},{"title":70,"description":48,"file":71},"vgs-enables-agentic-commerce-og",{"url":72,"details":73,"fileName":78,"contentType":79},"\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F5AkQ4tiiRGS46vX2777SKE\u002Fe55ea8f716b29ac42a8d4184b0881392\u002Fvgs-enables-agentic-commerce-og.jpg",{"size":74,"image":75},320299,{"width":76,"height":77},1200,630,"vgs-enables-agentic-commerce-og.jpg","image\u002Fjpeg","Today, one of the biggest payment challenges that exists is solving the last-mile of a purchase made using an AI agent. In agentic commerce, a truly universal platform needs to ensure a consumer can buy any product, from any merchant, using any payment method – and VGS has one of the only platforms that can make this possible.","\u003Cdiv class=\"violet-rounded-1 mt-4\">\n  \u003Cp class=\"pb-3\">Today, one of the biggest payment challenges that exists is solving the last-mile of a purchase made using an AI agent. In agentic commerce, a truly universal platform needs to ensure a consumer can buy any product, from any merchant, using any payment method – and VGS has one of the only platforms that can make this possible.\u003C\u002Fp>\n  \u003Cp class=\"pb-0 mb-0\">VGS is proud to announce that we are a preferred pilot partner with Visa, helping to pioneer the future of commerce. Our long-standing strategic partnership for payments tokenization is now evolving into foundational infrastructure to enable AI and Agent-driven commerce experiences, an emerging ecosystem often called Agentic Commerce.\u003C\u002Fp>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"blue-green-rounded-1\">\n  \u003Cdiv class=\"inner\">\n    \u003Cdiv class=\"left-side\">\n      \u003Cimg class=\"visa-139 pb-3\" src=\"https:\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F2E5L5WG8c0SPGgPwO1IyY3\u002Fe507b907f32045eb1bf500b95b1d89cb\u002Fvisa-139.svg\" \u002F>\n    \u003C\u002Fdiv>\n    \u003Cdiv class=\"right-side\">\n      \u003Ch3 class=\"text-blue-800\">VGS is a preferred partner for the Visa Intelligent Commerce Program\u003C\u002Fh3>\n      \u003Cp class=\"text-blue-800 pb-2\">VGS and Visa are partnering to help Agentic Commerce businesses with their payment challenges.\u003C\u002Fp>\n      \u003Ca class=\"btn btn-violet-600 btn-md\" href=\"\u002Fpress-releases\u002Fvgs-expands-partnership-with-visa-to-pioneer-ai-driven-commerce\">Learn More\u003C\u002Fa>\n    \u003C\u002Fdiv>\n  \u003C\u002Fdiv>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"row mt-50\">\n\u003Cdiv class=\"col-lg-6\">\n  \u003Cdiv class=\"voutline-icon-61\">\n    \u003Cimg src=\"https:\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F5v73RYGE2MuffazX2Z7zol\u002F485c88fd6944abde7e0a5bbe70b4c11e\u002Ficon-61-quotes.svg\" class=\"icon\" \u002F>\n    \u003Cp class=\"mainquote\">“In order for agentic commerce to scale, \u003Cspan class=\"fw-700\">consumer payment information needs to be shared by the AI Agent, Merchant and Processors\u003C\u002Fspan>,” says VGS CEO, Chuck Yu. “We're excited to empower agentic commerce businesses to 
590securely connect all of these parties and \u003Cspan class=\"fw-700\">create a unified platform\u003C\u002Fspan> that connects any merchant, any product, and any payment method for seamless a checkout experience.”\u003C\u002Fp>\n  \u003C\u002Fdiv>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"col-lg-6 pt-4\">\n\u003Cp class=\"pb-3\">VGS is an infrastructure platform that powers the full payment experience for agents, merchants, and processors. With VGS, AI companies and agentic commerce platforms can:\u003C\u002Fp>\n\u003Cul class=\"blueg-checks\">\n\u003Cli>Utilize PCI-compliant, secure and portable VGS Tokens that are built to be transmitted to third-parties, including between agents\u003C\u002Fli>\n\u003Cli>Process authenticated transactions on behalf of customers with Network Tokens\u003C\u002Fli>\n\u003Cli>Intelligently perform credential sharing with merchants and AI agents\u003C\u002Fli>\n\u003C\u002Ful>\n\u003C\u002Fdiv>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"row mb-50\">\n  \u003Cdiv class=\"col-lg-12\">\n    \u003Cdiv class=\"icon-lineunder-w100\">\n      \u003Cimg class=\"main-icon\" src=\"https:\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F4Jz94oJePlRx71MQl5UoSH\u002Ff03dc02e04971351ebdae3041bc247f3\u002Ficon-91-pci-compliance.svg\" alt=\"icon\">\n      \u003Cdiv class=\"line-w100\">&nbsp;\u003C\u002Fdiv>\n    \u003C\u002Fdiv>\n  \u003C\u002Fdiv>\n\u003C\u002Fdiv>\n\u003Ch3 class=\"pb-3\">PCI Compliance\u003C\u002Fh3>\n\u003Cp class=\"pb-3\">Connecting agents, merchants, and processors requires a way to securely pass sensitive payment data between parties. Utilize \u003Ca href=\"\u002Fblog\u002Fposts\u002Fwhat-is-pci-compliance\" class=\"violet\">PCI compliant\u003C\u002Fa>, secure and portable VGS Tokens that are built to be transmitted to third-parties, including between agents. Collect, protect, and store sensitive data with the VGS Vault to mitigate risks when your agent needs to use sensitive payment data to route to merchants, agents, and payment providers.\u003C\u002Fp>\n\u003Cp class=\"pb-3\">Agentive commerce platforms can also collect and store card information on file for future purchases, including non-human in the loop transactions. With stored data tokenized, agents can connect with merchants, other agents, and third parties to share, route, and process transactions reliably.\u003C\u002Fp>\n\u003Cdiv class=\"row mb-50\">\n  \u003Cdiv class=\"col-lg-12\">\n    \u003Cdiv class=\"icon-lineunder-w100\">\n      \u003Cimg class=\"main-icon\" src=\"https:\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F7cIZgyxn20KDdHJaqKWD8z\u002Fc2d0b87d727ed1b8bcbc75a3ed3b33a7\u002Ficon-91-databases.svg\" alt=\"icon\">\n      \u003Cdiv class=\"line-w100\">&nbsp;\u003C\u002Fdiv>\n    \u003C\u002Fdiv>\n  \u003C\u002Fdiv>\n\u003C\u002Fdiv>\n\u003Ch3 class=\"pb-3\">Network Tokens\u003C\u002Fh3>\n\u003Cp class=\"pb-4\">\u003Ca href=\"\u002Fnetwork-tokens\" class=\"violet\">VGS Network Tokens\u003C\u002Fa> allows agentic commerce businesses and AI-driven platforms to secure payment data by substituting card numbers (PAN) with unique tokens powered by Card Networks. When a user comes back to make a subsequent purchase, that card information on file will be ready and updated for a safely authenticated purchase. In the future, these will be combined with important security features that ensure Agents are authorized to make a transaction only directed by real users.\u003C\u002Fp>\n\u003Cdiv class=\"voutline-centered-cta\">\n  \u003Cp class=\"pb-0 mb-0 fw-700 inner\">Check out VGS Network Tokens for your AI-driven commerce business to benefit from enhanced security, reduced fraud, and higher authorization rates.\u003C\u002Fp>\n\u003C\u002Fdiv>\n\u003Cp class=\"centercta-v1\">\u003Ca class=\"btn btn-violet-600 btn-md\" href=\"\u002Fnetwork-tokens\">Learn More\u003C\u002Fa>\u003C\u002Fp>\n\u003Cp class=\"pt-4 pb-3 mb-50\">VGS is at the forefront of empowering agentive commerce and merchant platforms. With connections and certifications to all four global card networks, VGS is among the first to enable building blocks and scalable standards in agentic commerce alongside partners like \u003Ca href=\"https:\u002F\u002Fpayos.ai\u002F\" class=\"violet\">PayOS\u003C\u002Fa>, a leading agentic card payment platform. We partnered with PayOS to provide them with Network Tokens and VGS PCI Tokens, enabling them to provide a seamless payment experience on all ends of the transactions with tokens.\u003C\u002Fp>\n\u003Cdiv class=\"voutline-icon-61 v2 mb-40\">\n  \u003Cimg src=\"https:\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F5v73RYGE2MuffazX2Z7zol\u002F485c88fd6944abde7e0a5bbe70b4c11e\u002Ficon-61-quotes.svg\" class=\"icon\" \u002F>\n  \u003Cp class=\"mainquote pb-4\">\"By partnering with VGS, we can offer PCI-compliant, agent-friendly vaulting that enables AI agents to safely initiate payments, billing, and transfers—at scale. Together, we're making it possible for agents to interact with money as seamlessly as humans do.\"\u003C\u002Fp>\n  \u003Cp>- Johnathan McGowan, CEO & Co-Founder, PayOS\u003C\u002Fp>\n  \u003Cp>\u003Cimg src=\"https:\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F6sd82ko8nD3eFT8hB23aN6\u002Fc8d8ce99d465654dafc73f74a2a2aa52\u002FPayOS-logo.svg\" alt=\"PayOS logo\" \u002F>\u003C\u002Fp>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"violet-rounded-1 v2 mt-4\">\n  \u003Ch4 class=\"pb-3\">Generating a Network Token from VGS Card Management\u003C\u002Fh4>\n  \u003Cp class=\"text-center\">\u003Cimg class=\"vgscmp-diagram\" src=\"https:\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002FUSQHI0YAuCX7ZKOXLlaan\u002Feed68ae9c95e93427d6f4bfb42c0aa31\u002Fvgs-cmp-diagram.png\" \u002F>\u003C\u002Fp>\n\u003C\u002Fdiv>\n\u003Cdiv class=\"row mb-50\">\n  \u003Cdiv class=\"col-lg-12\">\n    \u003Cdiv class=\"icon-lineunder-w100\">\n      \u003Cimg class=\"main-icon\" src=\"https:\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F7tIr60OEmrsV1bhuHApi2F\u002F70b977b34a37e938694eb4d78d29f07a\u002Ficon-91-pii-data-security.svg\" alt=\"icon\">\n      \u003Cdiv class=\"line-w100\">&nbsp;\u003C\u002Fdiv>\n    \u003C\u002Fdiv>\n  \u003C\u002Fdiv>\n\u003C\u002Fdiv>\n\u003Ch3 class=\"pb-3\">PII Data Security\u003C\u002Fh3>\n\u003Cp class=\"pb-3\">Tokenizing sensitive data isn't limited to just card data, it also includes PII, \u003Ca href=\"https:\u002F\u002Fwww.ibm.com\u002Fthink\u002Ftopics\u002Fpii#:~:text=What%20is%20PII%3F,email%20a
590ddress%20or%20phone%20number.\" class=\"violet\">personal identification information\u003C\u002Fa>. With VGS, AI agents do not need to handle sensitive user information (ie. name, email, shipping address) and instead can leverage a secure token, preventing any sensitive information from being exposed.\u003C\u002Fp>\n\u003Cp class=\"pb-0 mb-50\">An added enhancement? Tokenizing PII ensures that AI agents aren't utilizing sensitive personal data for AI modeling. With tokens, consumer data is now protected and AI agents are trusted only with data that is necessary to complete payment.\u003C\u002Fp>\n\u003Cdiv class=\"row\">\n  \u003Cdiv class=\"col-lg-12\">\n    \u003Cdiv class=\"case-study-blue-purple\">\n      \u003Cdiv class=\"inner text-left\">\n        \u003Ch4 class=\"pb-3 pt-3\">Why VGS?\u003C\u002Fh4>\n        \u003Cp class=\"pb-3\">The need for a tokenization platform to unlock payments in agentic commerce is more critical than ever. VGS tokens were built to be transmitted to third parties, solving the unique problem of uniting the multiple parties needed to enable agentic commerce at scale. VGS's patented technology to securely transmit sensitive data to any authorized third-party (via VGS Proxies) powers payments data to move more than 40B+ times a year. VGS has the ability to do this across any platform or merchants' existing integrations with payment providers with no additional integrations or coding needed.\u003C\u002Fp>\n        \u003Cp class=\"pb-3\">Tokenization is the best programmatic mechanism for trust and security in agentic commerce. VGS is one of the only providers in the world built to securely transmit data with the control and flexibility required for Agentic Commerce and AI Platforms at scale.\u003C\u002Fp>\n        \u003Ca class=\"btn btn-violet-600 btn-md mb-4\" href=\"\u002Fcontact\">Learn More\u003C\u002Fa>\n      \u003C\u002Fdiv>\n    \u003C\u002Fdiv>\n  \u003C\u002Fdiv>\n\u003C\u002Fdiv>\n\u003Cstyle>\n.vgscmp-diagram{\n  width: 387px;\n  max-width: 100%;\n}\n.violet-rounded-1.v2{\n  width: 695px;\n  max-width: 100%;\n  margin-left: auto;\n  margin-right: auto;\n  padding: 55px 48px;\n}\n.voutline-centered-cta{\n  border-radius: 52px;\n  border: 1px solid #6653DB;\n  background: #FFF;\n  text-align: center;\n  padding: 27px 27px 27px 27px;\n  width: 788px;\n  max-width: 100%;\n  margin-left: auto;\n  margin-right: auto;\n}\n.voutline-centered-cta .inner{\n  width: 710px;\n  max-width: 100%;\n  margin-left: auto;\n  margin-right: auto;\n  line-height: 158%;\n}\n.voutline-centered-cta p{\n  color: #000000;\n}\n.centercta-v1 {\n  text-align: center;\n  margin-top: -18px;\n}\n.blueg-checks li{\n  font-size: 16px;\n}\n.voutline-icon-61{\n  border-radius: 30px;\n  border: 1px solid #7864F5;\n  padding: 0px 34px 29px 34px;\n  margin-top: 32px;\n}\n.voutline-icon-61.v2{\n  border-radius: 30px;\n  border: 1px solid #7864F5;\n  padding: 0px 34px 29px 34px;\n  margin-top: 32px;\n  width: 695px;\n  max-width: 100%;\n  margin-left: auto;\n  margin-right: auto;\n}\n.voutline-icon-61 .icon {\n    margin-bottom: 20px;\n    margin-top: -32px;\n}\n.visa-139{\n  width: 139px;\n  min-width: 139px;\n}\n.blue-green-rounded-1{\n  border-radius: 30px;\n  background: linear-gradient(90deg, #B3F2DE 2.46%, #CBE2FE 100%);\n  padding: 40px 40px;\n  width: 881px;\n  max-width: 100%;\n  margin-left: auto;\n  margin-right: auto;\n  margin-top: -21px;\n}\n.blue-green-rounded-1 .inner{\n  border-radius: 30px;\n  background: #FFF;\n  display: flex;\n  padding: 40px 40px;\n  @media screen and (max-width:991px) {\n    flex-wrap: wrap;\n  }\n  @media screen and (max-width:500px) {\n    padding: 20px 20px;\n  }\n}\n.blue-green-rounded-1 .inner .left-side{\n  width: 139px;\n  margin-right: 63px;\n  margin-top: auto;\n  margin-bottom: auto;\n}\n.text-blue-800{\n  color: #002270 !important;\n}\n.text-grey-500{\n  color: #778999;\n}\n.blueoutline-no-icon{\n  position: relative;\n  border-radius: 30px;\n  border: 1px solid #99C4FF;\n  padding: 42px 42px;\n  margin-bottom: 50px;\n  @media screen and (max-width:600px) {\n    padding: 42px 20px;\n  }\n}\n.historical-uptime-img{\n  width: 721px;\n  max-width: 100%;\n  margin-bottom: 10px;\n  margin-top: 25px;\n}\n.helm-release-1{\n  width: 770px;\n  max-width: 100%;\n  margin-bottom: 40px;\n  margin-top: 25px;\n}\n.canary-code-ex1{\n  width: 686px;\n  max-width: 100%;\n  margin-bottom: 40px;\n  margin-top: 25px;\n}\n.helm-chart{\n  width: 848px;\n  max-width: 100%;\n  margin-bottom: 40px;\n  margin-top: 25px;\n}\n.helm-chart-2{\n  width: 746px;\n  max-width: 100%;\n  margin-bottom: 40px;\n  margin-top: 25px;\n}\n.pool-model-image{\n  width: 772px;\n  max-width: 100%;\n  margin-bottom: 40px;\n  margin-top: 25px;\n}\n.isolated-failure-img{\n  width: 611px;\n  max-width: 100%;\n  margin-bottom: 40px;\n  margin-top: 25px;\n}\n.case-study-blue-purple{\n  margin-top: 10px;\n}\n.nt-flow-desktop{\n  max-width: 100%;\n  @media screen and (max-width:600px) {\n    display: none;\n  }\n}\n.nt-flow-mobile{\n  max-width: 100%;\n  @media screen and (min-width:601px) {\n    display: none;\n  }\n}\n.paymentnet-logos{\n  max-width: 100%;\n  width: 389px; 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590,19146,{"width":117,"height":117},88,"laura-furlong-bio.png","Sr. Marketing Manager","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Flaura-furlong\u002F","2025-04-30T00:00-06:00",{"metadata":123,"sys":126,"fields":137},{"tags":124,"concepts":125},[],[],{"space":127,"id":129,"type":16,"createdAt":130,"updatedAt":130,"environment":131,"publishedVersion":133,"revision":46,"contentType":134,"locale":29},{"sys":128},{"type":12,"linkType":13,"id":14},"h1AZp0Zr9V4xIe1yI1r95","2025-09-29T19:27:18.709Z",{"sys":132},{"id":21,"type":12,"linkType":22},2,{"sys":135},{"type":12,"linkType":27,"id":136},"5KMiN6YPvi42icqAUQMCQe",{"title":138},"Agentic","VGS is proud to announce that we are a preferred pilot partner with Visa, helping to pioneer the future of commerce. ",[141,255,372],{"metadata":142,"sys":145,"fields":155},{"tags":143,"concepts":144},[],[],{"space":146,"id":148,"type":16,"createdAt":149,"updatedAt":149,"environment":150,"publishedVersion":152,"revision":46,"contentType":153,"locale":29},{"sys":147},{"type":12,"linkType":13,"id":14},"yLhGcPFtjN4d4hXngWgGw","2026-09-22T14:46:05.788Z",{"sys":151},{"id":21,"type":12,"linkType":22},19,{"sys":154},{"type":12,"linkType":27,"id":28},{"title":156,"slug":157,"hideFromSearch":33,"heroImage":158,"heroImage2":158,"ogImage":177,"description":196,"body":197,"author":198,"publishDate":238,"category":239,"seoDescription":196},"10 Billion Tokens: The Next Chapter in Payments Innovation","10-billion-tokens-the-next-chapter-in-payments-innovation",{"metadata":159,"sys":162,"fields":169},{"tags":160,"concepts":161},[],[],{"space":163,"id":165,"type":42,"createdAt":166,"updatedAt":166,"environment":167,"publishedVersion":133,"revision":46,"locale":29},{"sys":164},{"type":12,"linkType":13,"id":14},"fV3ZmZ2HOflVkRRN3oISX","2026-09-16T21:16:17.700Z",{"sys":168},{"id":21,"type":12,"linkType":22},{"title":170,"file":171},"10-billion-tokens-vgs-hero",{"url":172,"details":173,"fileName":176,"contentType":57},"\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002FfV3ZmZ2HOflVkRRN3oISX\u002F2cf1b902a684ca1d211a3095d65cf00b\u002F10-billion-tokens-vgs-hero.png",{"size":174,"image":175},63788,{"width":54,"height":55},"10-billion-tokens-vgs-hero.png",{"metadata":178,"sys":181,"fields":188},{"tags":179,"concepts":180},[],[],{"space":182,"id":184,"type":42,"createdAt":185,"updatedAt":185,"environment":186,"publishedVersion":133,"revision":46,"locale":29},{"sys":183},{"type":12,"linkType":13,"id":14},"4izQjP4R9RBhMqu5aQc0xh","2026-09-16T21:16:17.698Z",{"sys":187},{"id":21,"type":12,"linkType":22},{"title":189,"file":190},"10-billion-tokens-vgs-og",{"url":191,"details":192,"fileName":195,"contentType":79},"\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F4izQjP4R9RBhMqu5aQc0xh\u002Fadd1fcf4539fabb3a29b4d45f21a153a\u002F10-billion-tokens-vgs-og.jpg",{"size":193,"image":194},300857,{"width":76,"height":77},"10-billion-tokens-vgs-og.jpg","VGS surpasses 10 billion tokens stored, now adding 1B+ monthly. See how trusted infrastructure is powering the next wave of agentic commerce.","\u003Cdiv class=\"blog-body-content\">\n  \u003Cdiv class=\"violet-rounded-1\">\n    \u003Cp>VGS has just crossed \u003Cstrong>10 billion tokens stored\u003C\u002Fstrong>, and the shape of that growth curve is the real headline.\u003C\u002Fp>\n    \u003Cp class=\"mb-0\">It took us seven years to reach our first 5 billion tokens. It took twelve months to double that. We now add \u003Cstrong>more than 1 billion tokens to the vault each month\u003C\u002Fstrong>. The numbers alone are the clearest signals yet that the market for trusted agentic infrastructure has hit its inflection point.\u003C\u002Fp>\n  \u003C\u002Fdiv>\n  \u003Cdiv class=\"tokens-growth-chart\">\n    \u003Cimg src=\"https:\u002F\u002Fassets.ctfassets.net\u002Fe6d9jibdbc6c\u002F3Ggz14acARRZudFwr8LVqd\u002F95393a0ad2391df9be0e5c1aae433afe\u002FVGS-10B-Tokens-Infographic__1_.png\" alt=\"VGS surpasses 10 billion tokens stored\">\n  \u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Cp>We spent the necessary time laying the foundation. From earning the trust of enterprise merchants and AI platforms, to hardening compliance, and becoming embedded in the payment flows of the world&rsquo;s most demanding businesses, followed by a compounding acceleration curve. Now that the foundation is paying off at an exponential rate.\u003C\u002Fp>\n    \u003Cp class=\"mb-0\">The velocity defines the difference between a company riding a hype cycle and one that has quietly become load-bearing infrastru
590cture.\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"blog-divider\">&nbsp;\u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>Right now, agentic commerce is rewriting the payments stack\u003C\u002Fh2>\n    \u003Cp>The acceleration is a direct result of a structural shift in how enterprises think about commerce. agents are increasingly transacting on behalf of businesses and consumers. That shift breaks the assumptions on which most legacy payments and data infrastructure were built.\u003C\u002Fp>\n    \u003Cp>Agentic commerce has three demands simultaneously, at scale.\u003C\u002Fp>\n    \u003Col class=\"standard-list ordered-list\">\n      \u003Cli>Control: Data ownership that doesn&rsquo;t disappear into a black box when an agent is transacting.\u003C\u002Fli>\n      \u003Cli>Compliance: A regulatory posture that holds up across jurisdictions as transaction volume and complexity multiply.\u003C\u002Fli>\n      \u003Cli>Experience: Zero-friction performance because agents don&rsquo;t tolerate latency or broken flows.\u003C\u002Fli>\n    \u003C\u002Fol>\n    \u003Cp class=\"mb-0\">Historically, these have been trade-offs. VGS&rsquo;s growth is evidence that the market is rewarding the platform that turns those three key factors into table stakes.\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"blog-divider\">&nbsp;\u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>Reading the growth signal\u003C\u002Fh2>\n    \u003Cp>A few things stand out from this milestone for VGS. First, this milestone shows compounding growth, not cyclical growth. Doubling in 12 months what once took years is not a one-off. A 1B\u002Fmonth run rate is now the standard.\u003C\u002Fp>\n    \u003Cp>Second, VGS is scaling without diluting trust. Every token stored is another enterprise choosing to offload liability rather than carry sensitive data themselves. With that, the core VGS value proposition gets stronger with scale.\u003C\u002Fp>\n    \u003Cp class=\"mb-0\">Third, VGS is positioned at the center of the next wave. This was by design. As agentic and global commerce expand into new markets, payment rails, and regulatory regimes, VGS&rsquo;s infrastructure enables enterprises to move quickly without relinquishing ownership of their data. We&rsquo;re the trusted solution to the bottleneck that enterprise clients have faced in moving toward the next generation of commerce.\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"tokens-monthly-graphic\">\n    \u003Cimg src=\"https:\u002F\u002Fassets.ctfassets.net\u002Fe6d9jibdbc6c\u002FY05GJPrRYWCe5AK2QaM71\u002F5ea05bf2b1b6814e3af77a1223d7d536\u002F10B_tokens_blog_-_monthly.png\" alt=\"+1 billion tokens stored each month\">\n  \u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>What&rsquo;s next\u003C\u002Fh2>\n    \u003Cp>As agentic commerce scales, the infrastructure layer that makes it safe, secure, and fast becomes more valuable. VGS is that valued, trusted layer and intends to remain so.\u003C\u002Fp>\n    \u003Cp class=\"mb-0\">The next chapter of agentic is evolving, so the next chapter of VGS will evolve and be bigger than the last. We just expect this chapter to accelerate even faster than before.\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"bluviol-cta-1 mb-50\">\n    \u003Ch4>Want to be a part of the next billion tokens?\u003C\u002Fh4>\n    \u003Cp>Experience how CMP, the unified solution for AI credential data, is revolutionizing the way payments are stored, secured, and moved.\u003C\u002Fp>\n    \u003Ca href=\"\u002Fcontact\" class=\"btn btn-violet-600 btn-md mb-0\">Contact Us\u003C\u002Fa>\n  \u003C\u002Fdiv>\n\u003C\u002Fdiv>\n\u003Cstyle>\n.blog-body-content{\n  color:#293846;\n  font-family:AvertaRegular,sans-serif;\n  font-size:18px;\n  line-height:34px;\n  padding-top:30px;\n  padding-bottom:50px;\n}\n.blog-body-content p{\n  margin:0 0 14px;\n}\n.blog-body-content .mb-0{\n  margin-bottom:0!important;\n}\n.blog-body-content .mb-50{\n  margin-bottom:50px!important;\n}\n.blog-body-content .blog-section{\n  margin-bottom:35px;\n}\n.blog-body-content .violet-rounded-1{\n  background:#f1eefe;
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Jones",{"metadata":216,"sys":219,"fields":227},{"tags":217,"concepts":218},[],[],{"space":220,"id":222,"type":42,"createdAt":223,"updatedAt":223,"environment":224,"publishedVersion":226,"revision":46,"locale":29},{"sys":221},{"type":12,"linkType":13,"id":14},"VaTwm8blu0moYyWWCmqII","2018-07-18T09:41:30.031Z",{"sys":225},{"id":21,"type":12,"linkType":22},4,{"title":228,"file":229},"marshall-jones-r",{"url":230,"details":231,"fileName":235,"contentType":57},"\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002FVaTwm8blu0moYyWWCmqII\u002Fdfe670ccfeba41eb89dc41b1991ca03b\u002Fmarshall-jones-r.png",{"size":232,"image":233},176586,{"width":234,"height":234},660,"marshall-jones-r.png","CTO at VGS","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fmarshalljones2\u002F","2026-09-22T00:00-07:00",{"metadata":240,"sys":243,"fields":253},{"tags":241,"concepts":242},[],[],{"space":244,"id":246,"type":16,"createdAt":247,"updatedAt":248,"environment":249,"publishedVersion":226,"revision":133,"contentType":251,"locale":29},{"sys":245},{"type":12,"linkType":13,"id":14},"5onnkc7yfYCwiAEeK2y0OI","2018-08-28T07:46:17.986Z","2023-07-13T20:48:08.212Z",{"sys":250},{"id":21,"type":12,"linkType":22},{"sys":252},{"type":12,"linkType":27,"id":136},{"title":254},"News",{"metadata":256,"sys":259,"fields":270},{"tags":257,"concepts":258},[],[],{"space":260,"id":262,"type":16,"createdAt":263,"updatedAt":264,"environment":265,"publishedVersion":267,"revision":226,"contentType":268,"locale":29},{"sys":261},{"type":12,"linkType":13,"id":14}
590,"6M2of5sGiQrYnsByk2uBjI","2026-08-26T15:11:56.832Z","2026-08-26T15:49:59.600Z",{"sys":266},{"id":21,"type":12,"linkType":22},17,{"sys":269},{"type":12,"linkType":27,"id":28},{"title":271,"slug":272,"hideFromSearch":33,"heroImage":273,"heroImage2":273,"ogImage":294,"description":313,"body":314,"author":315,"publishDate":356,"category":357,"seoDescription":313},"Mastercard TLID and Subscriptions: Are you ready?","mastercard-tlid-and-subscriptions-are-you-ready",{"metadata":274,"sys":277,"fields":284},{"tags":275,"concepts":276},[],[],{"space":278,"id":280,"type":42,"createdAt":281,"updatedAt":281,"environment":282,"publishedVersion":24,"revision":46,"locale":29},{"sys":279},{"type":12,"linkType":13,"id":14},"3WCjBYP6vtXcH3MgmU9Aad","2026-08-26T15:49:05.595Z",{"sys":283},{"id":21,"type":12,"linkType":22},{"title":285,"file":286},"VGS-Mastercard-TLID-Subscriptions-are-you-ready-OG (1)",{"url":287,"details":288,"fileName":293,"contentType":57},"\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F3WCjBYP6vtXcH3MgmU9Aad\u002Fe907c5f36dad22615445d21506ff4b86\u002FVGS-Mastercard-TLID-Subscriptions-are-you-ready-OG__1_.png",{"size":289,"image":290},277636,{"width":291,"height":292},1336,706,"VGS-Mastercard-TLID-Subscriptions-are-you-ready-OG (1).png",{"metadata":295,"sys":298,"fields":305},{"tags":296,"concepts":297},[],[],{"space":299,"id":301,"type":42,"createdAt":302,"updatedAt":302,"environment":303,"publishedVersion":24,"revision":46,"locale":29},{"sys":300},{"type":12,"linkType":13,"id":14},"p34i2pHaWTFknBe4MZNM3","2026-08-26T15:49:45.849Z",{"sys":304},{"id":21,"type":12,"linkType":22},{"title":306,"file":307},"VGS-Mastercard-TLID-Subscriptions-are-you-ready-hero (1)",{"url":308,"details":309,"fileName":312,"contentType":79},"\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002Fp34i2pHaWTFknBe4MZNM3\u002Fb26b49d17221a4e0a06a1dbae2ea282a\u002FVGS-Mastercard-TLID-Subscriptions-are-you-ready-hero__1_.jpg",{"size":310,"image":311},265496,{"width":76,"height":77},"VGS-Mastercard-TLID-Subscriptions-are-you-ready-hero (1).jpg","Mastercard's TLID mandate is reshaping subscription billing. Learn key deadlines, backfill options for existing subscriptions, and how to keep CIT\u002FMIT transactions compliant before the October 2026 enforcement date and avoid costly declines","\u003Cdiv class=\"blog-body-content\">\n  \u003Cdiv class=\"violet-rounded-1\">\n    \u003Cp class=\"mb-0\">For those of us who have run a subscription business, we&rsquo;re intimately familiar with the impact of the CIT\u002FMIT 2017-2018 launch of network-stored credential mandates and the complexity they can introduce. Since the inception, one of the core requirements has been to link subsequent transactions to a prior instance via a prior Transaction ID or TraceID. Seems simple, right?\u003C\u002Fp>\n  \u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Cp>Unfortunately, it was anything but simple. PSP-specific handling, subcategories with varying schemas, and messaging contradictions introduced significant complexity. Merchants had to determine when and how to use identifiers, and how to handle cases where they were missing. This was further exacerbated by the emergence of new credential-format use cases, such as toggling or recycling between PAN and COF network tokens.\u003C\u002Fp>\n    \u003Cp>To illustrate a small snapshot of the known challenges merchants experience, many of you who have heard me speak about \u003Ca class=\"violet\" href=\"\u002Fnetwork-tokens\">network tokens\u003C\u002Fa> have likely heard my familiar mantra about &ldquo;fixing or restarting the string&rdquo; when credentials are swapped between \u003Ca class=\"violet\" href=\"\u002Flearn\u002Fglossary\u002Fwhat-is-a-pan\">PAN\u003C\u002Fa> and COF network token formats. In some cases, this even requires fetching a cryptogram mid-stream, along with the ID, to repair the transaction string.\u003C\u002Fp>\n    \u003Cp>That brings us to today, with \u003Ca class=\"violet\" href=\"https:\u002F\u002Fwww.mastercard.com\u002Fus\u002Fen.html\" target=\"_blank\" rel=\"noopener noreferrer\">Mastercard\u003C\u002Fa>&rsquo;s release of the new Transaction Link Identifier (\u003Ca class=\"violet\" href=\"https:\u002F\u002Ftrc-techresource.mastercard.com\u002Fr\u002Fbundle\u002Fm_mctlidig_en-us\u002Fpage\u002Fd\u002Fen-US\u002Fflu1760551727469.html\" target=\"_blank\" rel=\"noopener noreferrer\">TLID\u003C\u002Fa>), introduced in announcement \u003Ca class=\"violet\" href=\"https:\u002F\u002Ftrc-techresource.mastercard.com\u002Fr\u002Fbundle\u002Fm_an12940_en-us\u002Fpage\u002Fd\u002Fen-US\u002Fcxd6119237671353.html\" target=\"_blank\" rel=\"noopener noreferrer\">GLB 12940.1.\u003C\u002Fa> It is the latest installment in the endeavor to accurately connect transactions. The TLID effectively replaces the intent of the old TraceID (although you still have to send both temporarily) and hopes to address some of the questions that plagued subscription merchants:\u003C\u002Fp>\n    \u003Col class=\"standard-list ordered-list mb-0\">\n      \u003Cli>How can I ensure accurate tracing between auth and clearing WITHIN a transaction?\u003C\u002Fli>\n      \u003Cli>How can I ensure I&rsquo;m using the correct transaction ID? Is it the prior transaction or the original transaction on an MIT?\u003C\u002Fli>\n      \u003Cli>How do I ensure continuity between the PAN and network token credential formats when toggling between prior and current transactions in the string or during recycling activities?\u003C\u002Fli>\n    \u003C\u002Fol>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"blog-divider\">&nbsp;\u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>So, what is TLID, and what are the revised standards for CIT\u002FMIT?\u003C\u002Fh2>\n    \u003Cp>Mastercard&rsquo;s Transaction Link Identifier (\u003Ca class=\"violet\" href=\"https:\u002F\u002Ftrc-techresource.mastercard.com\u002Fr\u002Fbundle\u002Fm_mctlidig_en-us\u002Fpage\u002Fd\u002Fen-US\u002Fflu1760551727469.html\" target=\"_blank\" rel=\"noopener noreferrer\">TLID\u003C\u002Fa>) is a 22-character reference code used to link related payments after a merchant authorizes the credential for storage for subsequent transactions. It serves as an agreement-level tracker that c
590onnects subsequent Merchant-Initiated Transactions (\u003Ca class=\"violet\" href=\"\u002Flearn\u002Fglossary#merchantinitiatedtransaction\">MITs\u003C\u002Fa>) to the initial Customer-Initiated Transaction (\u003Ca class=\"violet\" href=\"\u002Flearn\u002Fglossary#customerinitiatedtransaction\">CIT\u003C\u002Fa>).\u003C\u002Fp>\n    \u003Cp>\u003Cstrong>Specifically, the new TLID framework has been suggested by industry insiders to now include:\u003C\u002Fstrong>\u003C\u002Fp>\n    \u003Cul class=\"standard-list unordered-list\">\n      \u003Cli>\u003Cstrong>Lifecycle Tracking:\u003C\u002Fstrong> Connecting an authorization with future settlement\u002Fclearing activity within the same transaction\u003C\u002Fli>\n      \u003Cli>\u003Cstrong>Agreement-Level Tracking:\u003C\u002Fstrong> Directly links recurring billing, installments, and renewals to the original transaction, establishing customer consent. Mastercard refers to this as Economically Related transactions.\u003C\u002Fli>\n      \u003Cli>\u003Cstrong>Parallel Integration (Temporary):\u003C\u002Fstrong> Operating alongside legacy trace IDs and network references without altering or overwriting account and token data.\u003C\u002Fli>\n      \u003Cli>\u003Cstrong>Ecosystem Portability:\u003C\u002Fstrong> Streamlining dispute management and ensuring seamless subscription continuity across different payment service providers (\u003Ca class=\"violet\" href=\"\u002Flearn\u002Fglossary\u002Fwhat-is-a-psp\">PSPs\u003C\u002Fa>).\u003C\u002Fli>\n    \u003C\u002Ful>\n    \u003Cp class=\"mb-0\">For a complete list of Mastercard-identified benefits, please see \u003Ca class=\"violet\" href=\"https:\u002F\u002Ftrc-techresource.mastercard.com\u002Fr\u002Fbundle\u002Fm_mctlidig_en-us\u002Fpage\u002Fd\u002Fen-US\u002Fflu1760551727469.html\" target=\"_blank\" rel=\"noopener noreferrer\">here\u003C\u002Fa>.\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"blog-divider\">&nbsp;\u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>The timeline and what dates you need to pay attention to!\u003C\u002Fh2>\n    \u003Cul class=\"standard-list unordered-list\">\n      \u003Cli>\u003Cstrong>October 17, 2025:\u003C\u002Fstrong> Issuers and processors must begin passing the TLID (Lifecycle only- link clearing to authorization only).\u003C\u002Fli>\n      \u003Cli>\u003Cstrong>December, 2025:\u003C\u002Fstrong> Most recent update to GLB 8701 which included the spec announcement\u003C\u002Fli>\n      \u003Cli>\u003Cstrong>January, 2026:\u003C\u002Fstrong> \u003Ca class=\"violet\" href=\"https:\u002F\u002Ftrc-techresource.mastercard.com\u002Fr\u002Fbundle\u002Fm_an12940_en-us\u002Fpage\u002Fd\u002Fen-US\u002Fcxd6119237671353.html\" target=\"_blank\" rel=\"noopener noreferrer\">GLB 12940.1\u003C\u002Fa> is released including the details for Economic Linking (CIT-MIT)\u003C\u002Fli>\n      \u003Cli>\u003Cstrong>June 2, 2026:\u003C\u002Fstrong> Merchants and acquirers must begin capturing and retaining the TLID returned on initial CITs for cards stored on file.\u003C\u002Fli>\n      \u003Cli>\u003Cstrong>October 23, 2026:\u003C\u002Fstrong> Enforcement begins. Merchants must pass the retained TLID on all subsequent MITs and recurring charges or may become subject to higher decline rates from issuers (failure models are already underway)\u003C\u002Fli>\n      \u003Cli>\u003Cstrong>January 31, 2027:\u003C\u002Fstrong> Non-compliance assessments officially begin with acquirers (pass through to merchants), reportedly ranging from $2,500 to $5,000 per month, capped at $25,000 and assessed under the Data Integrity Monitoring Program (DIMP).\u003C\u002Fli>\n    \u003C\u002Ful>\n    \u003Cp class=\"note mb-0\">NOTE: assessments \u003Cstrong>only apply\u003C\u002Fstrong> to the Lifecycle Linking (authorization and clearing) as of January, they do NOT apply to the CIT\u002FMIT or Economic linking&hellip; Yet. If history serves, those fines will likely start later in 2027 or early 2028.\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"blog-divider\">&nbsp;\u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>But 143 &ne; 365? The backfill conundrum.\u003C\u002Fh2>\n    \u003Cp>If you&rsquo;ve done the math (most of us have), existing subscriptions will be affected, especially those with annual billing. There is good news and bad news.\u003C\u002Fp>\n    \u003Cul class=\"standard-list unordered-list\">\n      \u003Cli>The GOOD news: For Customer-Initiated Transactions (CITs) initiated prior to June 2nd, Mastercard states that the mandate will not apply.\u003C\u002Fli>\n      \u003Cli>The GOOD-ish news: For monthly subscriptions, you can use a prior TLID from up to 3 months ago versus the original.\u003C\u002Fli>\n      \u003Cli>The BAD news: If you haven&rsquo;t started yet, the expectation is that even annual subscriptions must have a TLID on a prior transaction or CIT dating back to June 2nd.\u003C\u002Fli>\n    \u003C\u002Ful>\n    \u003Cp>The premise is that your PSP should have started storing it, but what if you manage your own or have dual processing relationships? Here are a few options for you:\u003C\u002Fp>\n    \u003Ch3 class=\"inline-subhead\">Option 1: Backfill Using a Recent MIT (Recommended for Historic Subscriptions)\u003C\u002Fh3>\n    \u003Cp>If the initial Customer-Initiated Transaction (CIT) occurred before TLIDs were generated or captured, use the fallback mechanism specified by Mastercard:\u003C\u002Fp>\n    \u003Col class=\"standard-list ordered-list\">\n      \u003Cli>Process your next routine MIT.\u003C\u002Fli>\n      \u003Cli>Extract the scheme-generated TLID returned in that authorization response.\u003C\u002Fli>\n      \u003Cli>Save that TLID* to your database and pass it on to all future MITs in that subscription series.\u003Cbr>*Please note that BOTH the TraceID and the TLID must be sent temporarily.\u003C\u002Fli>\n    \u003C\u002Fol>\n    \u003Ch3 class=\"inline-subhead\">Option 2: Trigger an Account Status Inquiry (ASI) or New CIT\u003C\u002Fh3>\n    \u003Cp>If backfilling isn&rsquo;t viable or data integrity is uncertain:\u003C\u002Fp>\n    \u003Cul class=\"standard-list unordered-list mb-0\">\n      \u003Cli>Run a zero-dollar Account Verification \u002F Account Status Inquiry (ASI) request, which prompts Mastercard to return a new valid TLID. You can then choose to restart the string as a new CIT.\u003C\u002Fli>\n      \u003Cli>Alternatively, as a last resort, require the customer to perform a cardholder-authenticated event (such as updating their payment method or authenticating via 3DS at next login) to establish a fresh CIT and new TLID.\u003C\u002Fli>\n    \u003C\u002Ful>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"blog-divider\">&nbsp;\u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>What else should merchants be aware of?\u003C\u002Fh2>\n    \u003Cp>\u003Cstrong>Confirm how your PSP handles backfilling the TLID.\u003C\u002Fstrong> If you&rsquo;re using a PSP such as Stripe or Adyen, a lot of the capture-and-pass mechanics are handled for you, but you still owe them specific integration updates. More importantly, you need to know their fallback behavior. What happens when they have no TLID for an MIT? Do they suppress it, submit anyway, or expect you to backfill? The answer may change your plan.\u003C\u002Fp>\n    \u003Cp>\u003Cstrong>Identify where you could experience gaps in the translation of the TLID.\u003C\u002Fstrong> There could be many layers where the TLID must persist ahead of the PSP. Gateways, orchestration layers, sub-processors, and downstream partners will all translate or map this new field. At any point, it could be dropped or truncated, so have a plan to review each step.\u003C\u002Fp>\n    \u003Cp class=\"mb-0\">\u003Cstrong>Treat the deadline as the deadline.\u003C\u002Fstrong> Even if issuers are lenient during the transition, leniency isn&rsquo;t something you can forecast revenue against. Plan around October 23, 2026, as the firm date as written. Also, note that at this time, you&rsquo;re likely to start seeing declines associated with this, so make sure your auth data is ready to i
590dentify and parse this impact.\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"blog-divider\">&nbsp;\u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>How does a vault help?\u003C\u002Fh2>\n    \u003Cp class=\"mb-0\">Credential linking (and other CIT\u002FMIT scheme requirements) is ultimately a stored-credential-and-metadata problem. If your customer&rsquo;s payment data is shared among multiple 3rd parties, then continuity, migrations, and retry optimizations become a matching game amongst disparate data sets. This is further complicated when you&rsquo;re optimizing with network tokens. Small issues, such as CIT\u002FMIT, and continuity factors, such as TLID, can cause false declines, which may lead to early PAN fall-back. (ie. ECI Indicator) Propagating TLID across the right transactions becomes a data-management task you can run centrally, rather than a scramble across every integration.\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"row\">\n    \u003Cdiv class=\"col-lg-12\">\n      \u003Cdiv class=\"case-study-blue-purple\">\n        \u003Cdiv class=\"inner text-left\">\n          \u003Cimg class=\"w-100 laptop pb-4\" src=\"https:\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F14zKrWYaso0Sp8ZxQNjTyY\u002Ff4a6a022d7fb2a16fbdb5b8c4a9aa949\u002Fvgs-logo-line-art-large.png\" alt=\"VGS Logo\">\n          \u003Cimg class=\"w-327 mobile pb-4\" src=\"https:\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F4ByNZ51EXc1eGIWI0LTgN1\u002F1930cab67bbbe9d735529a236143a37b\u002Fvgs-logo-mobile.png\" alt=\"VGS Logo\">\n          \u003Ch4 class=\"pb-4\">The key takeaway\u003C\u002Fh4>\n          \u003Cp class=\"pb-4\">Use your data. Knowing how the new TLID performs in each CIT\u002FMIT situation will determine whether to reset the string or maintain the existing via continuity using a prior (vs. original) TLID acquired post-mandate launch. As with anything, this may take time to work out the kinks, so don&rsquo;t assume perfection once you have the ID. If you are in a managed service, ask questions, figure out what is happening and why if you start to see BIPs eroding on your auths.\u003C\u002Fp>\n          \u003Cp class=\"pb-4\">Additionally, be working with your providers to understand how this layers into the broader suite of subscription services that the networks are launching. If history is correct, Mastercard will not be the only network making changes, so be ready to start grabbing this across networks as soon as it is available to avoid future backfill issues.\u003C\u002Fp>\n          \u003Cp class=\"pb-3 mb-0\">I&rsquo;m hoping for the best, but actual performance will be the true litmus test. \u003Cem>And if anyone is working on fixes for ECI indicator consistency issues across credential formats, processors, and networks&hellip; Let us know! I think you&rsquo;ll have merchants lined up for that change.\u003C\u002Fem>\u003C\u002Fp>\n        \u003C\u002Fdiv>\n      \u003C\u002Fdiv>\n    \u003C\u002Fdiv>\n  \u003C\u002Fdiv>\n  \u003Cdiv class=\"bluviol-cta-1 mb-50 mt-4\">\n    \u003Ch4>The only certainty is that CIT &amp; MIT mandates for COF merchants will continue to evolve.\u003C\u002Fh4>\n    \u003Cp>VGS helps merchants centralize stored credentials, preserve transaction continuity, and simplify compliance with evolving network requirements like TLID. Chat with our team to see how we can help future-proof your subscription payments.\u003C\u002Fp>\n    \u003Ca href=\"\u002Fcontact\" class=\"btn btn-violet-600 btn-md mb-0\">Learn more\u003C\u002Fa>\n  \u003C\u002Fdiv>\n\u003C\u002Fdiv>\n\u003Cstyle>\n.blog-body-content{\n  color:#293846;\n  font-family:AvertaRegular,sans-serif;\n  font-size:18px;\n  line-height:34px;\n  padding-top:30px;\n  padding-bottom:50px;\n}\n.blog-body-content p{\n  margin:0 0 14px;\n}\n.blog-body-content .mb-0{\n  margin-bottom:0!important;\n}\n.blog-body-content .mb-50{\n  margin-bottom:50px!important;\n}\n.blog-body-content .mt-4{\n  margin-top:24px;\n}\n.blog-body-content .pb-3{\n  padding-bottom:16px;\n}\n.blog-body-content .pb-4{\n  padding-bottom:24px;\n}\n.blog-body-content .blog-section{\n  margin-bottom:35px;\n}\n.blog-body-content .violet-rounded-1{\n  background:#f1eefe;
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}\n}\n\u003C\u002Fstyle>",{"metadata":316,"sys":319,"fields":330},{"tags":317,"concepts":318},[],[],{"space":320,"id":322,"type":16,"createdAt":323,"updatedAt":324,"environment":325,"publishedVersion":327,"revision":133,"contentType":328,"locale":29},{"sys":321},{"type":12,"linkType":13,"id":14},"fP6Phk8jcao7ncJ3CFw8M","2026-08-25T22:54:01.599Z","2026-08-26T15:45:55.827Z",{"sys":326},{"id":21,"type":12,"linkType":22},9,{"sys":329},{"type":12,"linkType":27,"id":96},{"name":331,"profilePhoto":332,"bio":354,"linkedin":355},"Melissa Shields",{"metadata":333,"sys":336,"fields":345},{"tags":334,"concepts":335},[],[],{"space":337,"id":339,"type":42,"createdAt":340,"updatedAt":341,"environment":342,"publishedVersion":344,"revision":133,"locale":29},{"sys":338},{"type":12,"linkType":13,"id":14}
590,"2IVjqDhrVRvnu1ZnlL2xC4","2026-08-25T22:53:57.718Z","2026-08-26T15:45:27.699Z",{"sys":343},{"id":21,"type":12,"linkType":22},8,{"title":346,"description":48,"file":347},"Melissa Shields VGS",{"url":348,"details":349,"fileName":353,"contentType":79},"\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F2IVjqDhrVRvnu1ZnlL2xC4\u002F3e417b3b513209eb235e08fbc50304a9\u002FMelissa_Shields_VGS.jpeg",{"size":350,"image":351},64451,{"width":352,"height":352},678,"Melissa Shields VGS.jpeg","Head of Payments Strategy","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fmelissagruener\u002F","2026-08-26T00:00-07:00",{"metadata":358,"sys":361,"fields":370},{"tags":359,"concepts":360},[],[],{"space":362,"id":364,"type":16,"createdAt":365,"updatedAt":365,"environment":366,"publishedVersion":133,"revision":46,"contentType":368,"locale":29},{"sys":363},{"type":12,"linkType":13,"id":14},"3zANqHpBadR52Y9DdjSNLn","2022-06-13T16:27:01.101Z",{"sys":367},{"id":21,"type":12,"linkType":22},{"sys":369},{"type":12,"linkType":27,"id":136},{"title":371},"Payments",{"metadata":373,"sys":376,"fields":387},{"tags":374,"concepts":375},[],[],{"space":377,"id":379,"type":16,"createdAt":380,"updatedAt":381,"environment":382,"publishedVersion":384,"revision":93,"contentType":385,"locale":29},{"sys":378},{"type":12,"linkType":13,"id":14}
590,"6BQ4Zs6pYBQVDptmQpLxMa","2026-08-20T21:06:37.013Z","2026-08-25T20:00:59.219Z",{"sys":383},{"id":21,"type":12,"linkType":22},37,{"sys":386},{"type":12,"linkType":27,"id":28},{"title":388,"slug":389,"hideFromSearch":33,"heroImage":390,"heroImage2":390,"ogImage":409,"description":428,"body":429,"author":430,"author2":467,"publishDate":492,"category":357,"seoDescription":428},"Beyond the PAN: What Merchants Need to Know About Network Tokens","what-is-a-network-token",{"metadata":391,"sys":394,"fields":401},{"tags":392,"concepts":393},[],[],{"space":395,"id":397,"type":42,"createdAt":398,"updatedAt":398,"environment":399,"publishedVersion":133,"revision":46,"locale":29},{"sys":396},{"type":12,"linkType":13,"id":14},"6qfQTqHqGW7KSMNwTXsB7H","2026-08-20T04:23:36.138Z",{"sys":400},{"id":21,"type":12,"linkType":22},{"title":402,"file":403},"beyond-the-pan-what-merchants-need-to-know-about-network-tokens-Hero",{"url":404,"details":405,"fileName":408,"contentType":57},"\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F6qfQTqHqGW7KSMNwTXsB7H\u002F032dc9b80335a749cfabb1cde11486e1\u002Fbeyond-the-pan-what-merchants-need-to-know-about-network-tokens-Hero.png",{"size":406,"image":407},177607,{"width":291,"height":292},"beyond-the-pan-what-merchants-need-to-know-about-network-tokens-Hero.png",{"metadata":410,"sys":413,"fields":420},{"tags":411,"concepts":412},[],[],{"space":414,"id":416,"type":42,"createdAt":417,"updatedAt":417,"environment":418,"publishedVersion":133,"revision":46,"locale":29},{"sys":415},{"type":12,"linkType":13,"id":14},"3CeVSQ6RRdKTKOBZNREze1","2026-08-20T04:23:36.136Z",{"sys":419},{"id":21,"type":12,"linkType":22},{"title":421,"file":422},"beyond-the-pan-what-merchants-need-to-know-about-network-tokens-og",{"url":423,"details":424,"fileName":427,"contentType":79},"\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F3CeVSQ6RRdKTKOBZNREze1\u002Fe6141e894d9059439b07a64f4050df01\u002Fbeyond-the-pan-what-merchants-need-to-know-about-network-tokens-og.jpg",{"size":425,"image":426},403490,{"width":76,"height":77},"beyond-the-pan-what-merchants-need-to-know-about-network-tokens-og.jpg","Learn how network tokens replace PANs to cut fraud, boost authorization rates, and improve payment continuity. See how VGS helps merchants manage tokens across processors.","\u003Cdiv class=\"blog-body-content\">\n  \u003Cdiv class=\"violet-rounded-1\">\n    \u003Cp>Network tokens are fast becoming a dominant payment credential. \u003Ca class=\"violet\" href=\"https:\u002F\u002Fwww.juniperresearch.com\u002F?utm_source=globe&amp;utm_medium=pr&amp;utm_id=pr1_networktokenisation_financial_fintech_jul26\" target=\"_blank\" rel=\"noopener noreferrer\">Juniper Research\u003C\u002Fa> revealed that the number of network-tokenized transactions worldwide will \u003Cstrong>increase by a compound annual growth rate of 18.1% over the next five years.\u003C\u002Fstrong>\u003C\u002Fp>\n    \u003Cp>\u003Ca class=\"violet\" href=\"\u002Flearn\u002Fglossary\u002Fwhat-is-a-network-token\">Network tokens\u003C\u002Fa> are designed to make transactions less disruptive, which is part of why there is an uptick in transactions using network tokenization. Instead of relying on the primary account number, or \u003Ca class=\"violet\" href=\"\u002Flearn\u002Fglossary\u002Fwhat-is-a-pan\">PAN\u003C\u002Fa>, printed on a customer&rsquo;s card, a merchant can use a payment credential issued through the card network. That credential can be managed throughout its lifecycle, restricted to an approved payment environment, and updated when the underlying card information changes.\u003C\u002Fp>\n    \u003Cp>For merchants, that can mean fewer preventable declines, stronger protection against credential misuse, and less dependence on raw card data. It can also provide more flexibility across payment processors, as long as the token program and downstream processors are configured to support it.\u003C\u002Fp>\n    \u003Cp>\u003Cstrong>Network tokenization is also still an evolving solution.\u003C\u002Fstrong> Coverage gaps exist across geographies and issuers, and issuer behavior can shift in ways that aren&rsquo;t always predictable. That&rsquo;s not a reason to hold off on network tokens. It&rsquo;s a reason to pay attention, keep a PAN fallback ready, and keep that PAN current as coverage and performance continue to change.\u003C\u002Fp>\n    \u003Cp>But what is a network token? How does it differ from PANs? Why would a merchant benefit from using network tokens? What should a merchant&rsquo;s token fallback strategy be?\u003C\u002Fp>\n    \u003Cp class=\"mb-0\">VGS aims to answer those questions and more about network tokens.\u003C\u002Fp>\n  \u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>What is a network token?\u003C\u002Fh2>\n    \u003Cp>A network token is a set of randomized code that acts as a substitute for a credit card&rsquo;s primary account number (\u003Ca class=\"violet\" href=\"\u002Flearn\u002Fglossary\u002Fwhat-is-a-pan\">PAN\u003C\u002Fa>). Network tokens allow merchants to securely process payments without storing sensitive card details, significantly reducing the risk of fraud and data breaches. These tokens are issued and managed by the major card networks themselves, such as Visa, Mastercard, American Express, and Discover.\u003C\u002Fp>\n    \u003Cp>The network token itself is linked to the customer&rsquo;s underlying card account, but the merchant can use it instead of submitting the original PAN for supported transactions.\u003C\u002Fp>\n    \u003Cp>A network token often resembles a normal card number and can travel through existing card-payment infrastru
590cture. Behind the scenes, the network recognizes it as a token, applies the relevant usage controls, and maps it to the underlying account before sending the authorization request to the issuer.\u003C\u002Fp>\n    \u003Cp class=\"mb-0\">The important part is not simply that the PAN has been replaced. The token can also be limited to a particular merchant, device, token requester, or payment scenario. \u003Ca class=\"violet\" href=\"https:\u002F\u002Fwww.emvco.com\u002Fwp-content\u002Fuploads\u002F2024\u002F10\u002FFINAL_TOKENISATION-QRG-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">EMVCo\u003C\u002Fa> refers to these restrictions as token domain controls. They reduce the usefulness of a token if it is stolen, because the stolen token should not work outside its approved environment.\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"blog-divider\">&nbsp;\u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>How do merchants access network tokens?\u003C\u002Fh2>\n    \u003Cp>A merchant cannot generate a network token itself. Network tokens are provisioned either directly through the networks, or more commonly, by a  \u003Ca class=\"violet\" href=\"\u002Fblog\u002Fposts\u002Ftoken-service-provider-a-guide-to-tokenization-in-digital-payments\">token service provider\u003C\u002Fa> (TSP). The Token Requester may be the merchant itself, or a PSP, processor, gateway, or independent provider acting on the merchant&rsquo;s behalf.\u003C\u002Fp>\n    \u003Cp>For merchants, the practical question is therefore not simply whether a provider &ldquo;supports network tokens.&rdquo; Merchants should understand who acts as the Token Requester, which network token services the provider connects to, who controls the resulting Token Requester relationship, and whether those tokens remain usable if the merchant changes processors.\u003C\u002Fp>\n    \u003Cp>The number of hops between the merchant and the card network also matters. Each intermediary in the token-request path adds another network call, increasing latency and introducing another potential point of failure. A token service provider that connects directly to Visa Token Service and Mastercard Digital Enablement Service, acting as the Token Requester itself, has fewer dependencies than one that routes through an upstream intermediary. At checkout, this more direct architecture can mean lower latency and greater reliability.\u003C\u002Fp>\n    \u003Cp class=\"mb-0\">For example, \u003Ca class=\"violet\" href=\"\u002Fnetwork-tokens\">VGS&rsquo;s network token onboarding\u003C\u002Fa> registers merchant organizations with Visa Token Service and Mastercard Digital Enablement Service to obtain the Token Requester IDs used to provision merchant-specific network tokens.\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"blog-divider\">&nbsp;\u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>Where are network tokens available?\u003C\u002Fh2>\n    \u003Cp>Network token issuer coverage is broad in most major regions, but it varies by card network, region, and issuer. For global networks like Visa and Mastercard, coverage tends to be high: 99% of issuers in the U.S., 97% across Canada and Europe, 97% in Latin America, 99% in C.E.M.E.A., and 96% in the Asia Pacific support network token provisioning. This is roughly what we see today, though it&rsquo;s likely to keep changing as adoption grows.\u003C\u002Fp>\n    \u003Cp>These numbers reflect the reach of networks with global issuance and acceptance footprints. For other card networks, coverage depends on their specific issuer relationships and regional presence, which means provisioning eligibility can look very different depending on the network a given card runs on. Merchants processing volume across multiple networks should track provisioning rates by network and region rather than assuming uniform availability.\u003C\u002Fp>\n    \u003Cp class=\"mb-0\">These aggregate figures also move over time. A network or issuer that shows a coverage gap today may close it within a quarter, and gaps that appear closed at a regi
590onal level can still hide thin coverage for specific issuers within that region. Coverage isn&rsquo;t a fixed number that merchants can check once. It&rsquo;s a moving target that should be monitored by network, geography, and issuer on an ongoing basis, not treated as a one-time data point.\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"blog-divider\">&nbsp;\u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>What should a merchant&rsquo;s token fallback strategy be?\u003C\u002Fh2>\n    \u003Cp>Not every card in a merchant&rsquo;s portfolio will receive a network token. Token coverage can vary by network, issuer, card program, region, and use case, and some credentials may be ineligible for tokenization or unable to be provisioned. Even after a token is successfully provisioned, its status can change over time.\u003C\u002Fp>\n    \u003Cp>That means merchants need a fallback plan for when a network token is unavailable or becomes inactive.\u003C\u002Fp>\n    \u003Cp>One approach is to maintain secure access to the PAN as a secondary credential. If a network token can&rsquo;t be provisioned for a given card, the merchant can still process transactions using the PAN where appropriate. If a previously active token becomes unavailable, the PAN may also provide a fallback when the underlying credential remains valid.\u003C\u002Fp>\n    \u003Cp>The catch is that a PAN is only useful if it&rsquo;s current. Cards expire, and cards can be replaced or reissued. When that happens, the PAN a merchant has on file may no longer work, resulting in a preventable decline.\u003C\u002Fp>\n    \u003Cp>This is where \u003Ca class=\"violet\" href=\"\u002Faccount-updater\">Account Updater\u003C\u002Fa> fits in. Account Updater helps keep PAN-based credentials current by retrieving updated card information from the card networks. That can include changes to account numbers or expiration dates when cards are replaced or reissued.\u003C\u002Fp>\n    \u003Cp class=\"mb-0\">A practical credential strategy looks something like this: provision network tokens wherever possible, use the network token as the preferred credential, maintain secure access to the PAN as a fallback, and use Account Updater to help keep those PAN-based credentials current. The goal is broad credential coverage across the portfolio, rather than relying on a single credential type for every card.\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"blog-divider\">&nbsp;\u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>Network tokens vs. PANs\u003C\u002Fh2>\n    \u003Cp>A PAN is the original card number associated with a credit or debit card account. It is typically 16 digits and can generally be used wherever that card brand is accepted.\u003C\u002Fp>\n    \u003Cp>A network token is a substitute credential connected to that PAN. It does not replace the underlying card account itself. Instead, it reduces the frequency with which the original PAN must be stored, transmitted, or presented within the merchant&rsquo;s payment flow.\u003C\u002Fp>\n    \u003Cdiv class=\"table-scroll\">\n      \u003Ctable class=\"network-token-table\">\n        \u003Cthead>\n          \u003Ctr>\n            \u003Cth scope=\"col\">Feature\u003C\u002Fth>\n            \u003Cth scope=\"col\">PAN\u003C\u002Fth>\n            \u003Cth scope=\"col\">Network token\u003C\u002Fth>\n          \u003C\u002Ftr>\n        \u003C\u002Fthead>\n        \u003Ctbody>\n          \u003Ctr>\n            \u003Cth scope=\"row\">Issued by\u003C\u002Fth>\n            \u003Ctd>Card issuer\u003C\u002Ftd>\n            \u003Ctd>Provisioned through a card network token service\u003C\u002Ftd>\n          \u003C\u002Ftr>\n          \u003Ctr>\n            \u003Cth scope=\"row\">Where it can be used\u003C\u002Fth>\n            \u003Ctd>Broadly across accepting merchants\u003C\u002Ftd>\n            \u003Ctd>Within an approved merchant device, requester, or payment domain\u003C\u002Ftd>\n          \u003C\u002Ftr>\n          \u003Ctr>\n            \u003Cth scope=\"row\">Lifecycle management\u003C\u002Fth>\n            \u003Ctd>Usually, changes when the card is replicated\u003C\u002Ftd>\n            \u003Ctd>May remain usable when the underlying card information changes\u003C\u002Ftd>\n          \u003C\u002Ftr>\n          \u003Ctr>\n            \u003Cth scope=\"row\">Transaction security\u003C\u002Fth>\n            \u003Ctd>Relies on card data and other authentication signals\u003C\u002Ftd>\n            \u003Ctd>Can include domain controls, token assurance data, and transaction\u003C\u002Ftd>\n          \u003C\u002Ftr>\n          \u003Ctr>\n            \u003Cth scope=\"row\">Processor portability\u003C\u002Fth>\n            \u003Ctd>Broadly accepted as card data\u003C\u002Ftd>\n            \u003Ctd>Depends on token ownership, token requester configuration, processor support, and routing setup\u003C\u002Ftd>\n          \u003C\u002Ftr>\n          \u003Ctr>\n            \u003Cth scope=\"row\">Exposure if compromised\u003C\u002Fth>\n            \u003Ctd>May be useful across many merchants\u003C\u002Ftd>\n            \u003Ctd>Intended to have limited value outside its approved domain\u003C\u002Ftd>\n          \u003C\u002Ftr>\n        \u003C\u002Ftbody>\n      \u003C\u002Ftable>\n    \u003C\u002Fdiv>\n    \u003Cp>This distinction matters most in card-on-file commerce. A merchant may store a PAN for subscriptions, one-click checkout, usage-based billing, or future purchases. If the card is later replaced, the stored PAN may become outdated.\u003C\u002Fp>\n    \u003Cp>A network token can reduce that problem because the card network and issuer can manage the connection between the token and the underlying account. In many cases, the merchant can continue using the existing token without asking the customer to enter a new card number.\u003C\u002Fp>\n    \u003Cp>That continuity is valuable, but it is not guaranteed in every situation. A token can be suspended or deactivated, an issuer can decline a provisioning request, and some cards or transaction types may not be eligible for \u003Ca class=\"violet\" href=\"\u002Flearn\u002Ftokenization\">tokenization\u003C\u002Fa>.\u003C\u002Fp>\n    \u003Cp class=\"mb-0\">It&rsquo;s important to note that network tokenization is also still maturing. Issuer support varies by region and can change over time, and provisioning behavior is not always consistent across networks or card programs. Merchants should use network tokens where they can, but they should also maintain a current PAN as a fallback and keep it up to date through an account updater service. A token first strategy works best when there&rsquo;s a plan for the cards and regions where tokens aren&rsquo;t available yet.\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"blog-divider\">&nbsp;\u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>How does network tokenization work?\u003C\u002Fh2>\n    \u003Cp>The exact flow varies by network, token requester, processor, and transaction type. At a high level, network tokenization usually follows five steps.\u003C\u002Fp>\n    \u003Col class=\"numbered-topic-list\">\n      \u003Cli>\n        \u003Ch3>The card is submitted for tokenization\u003C\u002Fh3>\n        \u003Cp>When a customer saves a card, the merchant or its tokenization provider sends the card information and relevant merchant data to the appropriate card-network token service.\u003C\u002Fp>\n        \u003Cp>The party that requests and manages the token is known as the \u003Cstrong>token requester.\u003C\u002Fstrong> A merchant can act as the token requester directly, or a third-party provider can perform that role on the merchant&rsquo;s behalf.\u003C\u002Fp>\n      \u003C\u002Fli>\n      \u003Cli>\n        \u003Ch3>The issuer evaluates the request\u003C\u002Fh3>\n        \u003Cp>The token service works with the card issuer to evaluate the request. Depending on the card, risk signals, and provisioning scenario, the issuer may approve the token, request additional verification, or decline the request.\u003C\u002Fp>\n        \u003Cp>This process can also produce token-assurance information that helps indicate how the cardholder or account was verified during provisioning.\u003C\u002Fp>\n      \u003C\u002Fli>\n      \u003Cli>\n        \u003Ch3>The network token is provisioned\u003C\u002Fh3>\n        \u003Cp>Once approved, the card network provides a network token and related data to the token requester. The merchant may store the payment token itself or store a reference that allows its provider to retrieve and use the token when needed.\u003C\u002Fp>\n        \u003Cp>Even though the token is not the original PAN, it should still be protected appropriately. Network tokens may resemble account numbers and remain valuable within their authorized payment domains.\u003C\u002Fp>\n      \u003C\u002Fli>\n      \u003Cli>\n        \u003Ch3>The token is used for a payment\u003C\u002Fh3>\n        \u003Cp>For a supported cardholder-initiated transaction (CIT), meaning a transaction where the cardholder is actively present and directly initiates the payment, such as an online checkout, the merchant or its provider retrieves the network token and requests the transaction data required by the network. This commonly includes a fresh token cryptogram.\u003C\u002Fp>\n        \u003Cp>A cryptogram is a transaction specific security value that helps the network and the issuer verify that the token is used in an authorized transaction. The merchant then submits the token, cryptogram, and other payment information through its processor.\u003C\u002Fp>\n        \u003Cp>The network recognizes the token, maps it to the underlying account, and sends the authorization request to the issuer. \u003Ca class=\"violet\" href=\"https:\u002F\u002Fwww.emvco.com\u002Fwp-content\u002Fuploads\u002F2024\u002F10\u002FFINAL_TOKENISATION-QRG-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">EMVCo\u003C\u002Fa> documents this flow as a coordinated exchange among the merchant, token requester, token service provider (TSP), processor, network, and issuer.\u003C\u002Fp>\n        \u003Cp>The flow differs for certain subsequent merchant-initiated transactions (MIT), meaning transactions the merchant initiates without the cardholder directly present, such as a recurring subscription charge or a scheduled installment payment. Recurring charges and other stored credential payments must comply with the applicable network rules and may not require a new cryptogram for each authorization.\u003C\u002Fp>\n      \u003C\u002Fli>\n      \u003Cli>\n        \u003Ch3>Lifecycle events are managed\u003C\u002Fh3>\n        \u003Cp>If the underlying card expires or is replaced, the issuer and card network can update the token&rsquo;s associated account information or expiration details.\u003C\u002Fp>\n        \u003Cp>The token may also be suspended, resumed, or deleted in response to events such as fraud, account closure, or a cardholder request. This lifecycle management helps merchants avoid relying only on a 
590static credential that may become outdated without warning.\u003C\u002Fp>\n      \u003C\u002Fli>\n    \u003C\u002Fol>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"blog-divider\">&nbsp;\u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>Why do merchants use network tokens?\u003C\u002Fh2>\n    \u003Cp>Network tokenization can affect several parts of payment performance, from authorization rates to credential security.\u003C\u002Fp>\n    \u003Ch3 class=\"inline-subhead\">Higher authorization rates\u003C\u002Fh3>\n    \u003Cp>An issuer has to decide whether to approve every card transaction. Network tokens can provide useful signals during that decision, including the token&rsquo;s status, assurance information, merchant restrictions, and transaction authentication data.\u003C\u002Fp>\n    \u003Cp>They can also reduce declines caused by outdated card information. If the token remains active after an underlying card change, the merchant can submit a current credential instead of a stale PAN.\u003C\u002Fp>\n    \u003Cp>Results vary by merchant and implementation. \u003Ca class=\"violet\" href=\"https:\u002F\u002Fwww.visa.com.ua\u002Fen_UA\u002Fpartner-with-us\u002Fpayment-technology\u002Fvisa-tokenization.html\" target=\"_blank\" rel=\"noopener noreferrer\">Visa\u003C\u002Fa> reports a 4.3% increase in authorization across its broader network token data, though this result should not be treated as a guaranteed lift for every merchant.\u003C\u002Fp>\n    \u003Cp>That average also masks issuer-level variation. Some issuers authorize a token at a lower rate than they would authorize the same transaction on the underlying PAN, even when that issuer generally supports network token provisioning. Supporting tokenization and optimizing for it are not the same thing. Merchants that track authorization performance by issuer, not just by network, can identify where a PAN may still outperform a token and route accordingly.\u003C\u002Fp>\n    \u003Cp>Even a modest improvement can be meaningful for businesses processing a high volume of card-not-present transactions. The actual revenue impact depends on transaction value, customer behavior, retry logic, issuer mix, and whether an approved payment ultimately settles.\u003C\u002Fp>\n    \u003Ch3 class=\"inline-subhead\">Better payment continuity\u003C\u002Fh3>\n    \u003Cp>Expired and replaced cards can create involuntary churn, especially for subscriptions and other recurring-payment businesses.\u003C\u002Fp>\n    \u003Cp>Because network tokens support lifecycle management, merchants may be able to continue billing a customer after the underlying card details change. This reduces the need for payment update emails, customer service outreach, and manual card replacement.\u003C\u002Fp>\n    \u003Cp>Network tokens should still be paired with a broader credential-management strategy. Not every card can be tokenized, and not every lifecycle event will preserve the token. Issuer support for network token provisioning varies by region, card program, and network, and that coverage is still evolving. Even in regions with high provisioning rates, some cards in a merchant&rsquo;s portfolio won&rsquo;t receive a token. Merchants should maintain secure access to PANs as a fallback credential for those cards and use \u003Ca class=\"violet\" href=\"\u002Flearn\u002Fglossary\u002Fwhat-is-an-account-updater\">Account Updater\u003C\u002Fa> services to keep them current. A fallback PAN that&rsquo;s expired or tied to a reissued card doesn&rsquo;t help when the token is unavailable. The strongest credential strategies treat network tokens as the preferred option and the PAN as a maintained backup, not the other way around.\u003C\u002Fp>\n    \u003Ch3 class=\"inline-subhead\">Reduced the value of stolen payment data\u003C\u002Fh3>\n    \u003Cp>A PAN is designed to work across many merchants. A network token is generally restricted to a narrower payment domain.\u003C\u002Fp>\n    \u003Cp>That restriction makes a compromised network token less useful outside the merchant, device, or transaction environment for which it was provisioned. For applicable transactions, a cryptogram provides additional security and should not be reused for a different purchase.\u003C\u002Fp>\n    \u003Cp>\u003Ca class=\"violet\" href=\"https:\u002F\u002Fusa.visa.com\u002Fabout-visa\u002Fnewsroom\u002Fpress-releases.releaseId.19116.html\" target=\"_blank\" rel=\"noopener noreferrer\">Visa\u003C\u002Fa> reported in a 2022 analysis that \u003Cstrong>tokenized transactions had 28% lower fraud rates and 3% higher approval rates\u003C\u002Fstrong> across more than 8,600 issuers and 800,000 merchants. Results will vary, but the data illustrates why networks and issuers increasingly view tokenization as an important part of card-not-present security.\u003C\u002Fp>\n    \u003Ch3 class=\"inline-subhead\">Potential processing-cost savings\u003C\u002Fh3>\n    \u003Cp>Some card-network programs offer more favorable interchange treatment for eligible network-token transactions.\u003C\u002Fp>\n    \u003Cp>Actual savings depend on the card network, region, merchant category, transaction type, processor, and whether all qualification requirements are met. Merchants should review their own transaction data with their acquirer or payments provider before building a business case around interchange savings.\u003C\u002Fp>\n    \u003Ch3 class=\"inline-subhead\">More control over a multi-processor strategy\u003C\u002Fh3>\n    \u003Cp>A payment service provider (\u003Ca class=\"violet\" href=\"\u002Flearn\u002Fglossary\u002Fwhat-is-a-psp\">PSP\u003C\u002Fa>) is a third-party company that processes payment transactions on behalf of a merchant. Most merchants work with at least one PSP, and many with several, for reasons such as geographic coverage, redundancy, c
590ost management (including interchange savings), or authorization optimization.\u003C\u002Fp>\n    \u003Cp>Network tokens can support this kind of multi-PSP setup, but with an important caveat: \u003Cstrong>a network issued token is not automatically portable across all processors.\u003C\u002Fstrong>\u003C\u002Fp>\n    \u003Cp>That&rsquo;s because a token can be provisioned under a specific PSP&rsquo;s token requester identity, or configured for one particular merchant-processor relationship. Whether it can be moved to a different processor depends on:\u003C\u002Fp>\n    \u003Cul class=\"standard-list unordered-list\">\n      \u003Cli>Who controls the token requester ID\u003C\u002Fli>\n      \u003Cli>How the merchant is identified to the card network\u003C\u002Fli>\n      \u003Cli>Whether the new processor accepts network token transactions\u003C\u002Fli>\n      \u003Cli>Whether the required cryptogram and token metadata can be generated\u003C\u002Fli>\n      \u003Cli>Whether the token&rsquo;s domain controls permit the new route\u003C\u002Fli>\n    \u003C\u002Ful>\n    \u003Cp class=\"mb-0\">One way around this is to use an independent token requester. Rather than tying a token to a single PSP, an independent token requester provisions it directly for the merchant, making it more portable across processors. Because of this, merchants should confirm who owns their tokens and how portable they are before adopting a network token solution.\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"blog-divider\">&nbsp;\u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>Network tokens vs. gateway or PSP tokens\u003C\u002Fh2>\n    \u003Cp>The word &ldquo;token&rdquo; is used to refer to several different payment technologies. Two common categories are provider-specific tokens, such as gateway or PSP-issued tokens, and network tokens.\u003C\u002Fp>\n    \u003Ch3 class=\"inline-subhead\">What is a gateway or PSP token?\u003C\u002Fh3>\n    \u003Cp>A gateway token or PSP token is a reference created by a payment provider. The provider stores the PAN in its vault and issues the merchant a token that references the stored card.\u003C\u002Fp>\n    \u003Cp>The merchant can use that reference for future payments without keeping the raw card information in its own application. This can reduce exposure to sensitive data and, when implemented correctly, help reduce PCI DSS scope.\u003C\u002Fp>\n    \u003Cp>The limitation is that the token usually works only within the provider that created it. If the merchant changes PSPs, the token may not be usable with the new provider.\u003C\u002Fp>\n    \u003Ch3 class=\"inline-subhead\">What is different about a network token?\u003C\u002Fh3>\n    \u003Cp>A network token is recognized by card networks, such as Visa, Mastercard, American Express, and Discover, as a payment credential. It can support issuer-managed lifecycle updates, domain restrictions, token assurance information, and transaction-specific security data.\u003C\u002Fp>\n    \u003Cp>\u003Cstrong>That does not mean every network token can move freely between processors.\u003C\u002Fstrong> If a PSP provisions the token under its own token requester setup, the merchant may still face operational lock-in.\u003C\u002Fp>\n    \u003Cp>\u003Cstrong>The most useful question is therefore not simply, &ldquo;Is this a network token?&rdquo;\u003C\u002Fstrong>\u003C\u002Fp>\n    \u003Ch2>Merchants should also ask:\u003C\u002Fh2>\n    \u003Col class=\"numbered-topic-list compact-list mb-0\">\n      \u003Cli>\u003Ch3>Who is the token requester?\u003C\u002Fh3>\u003C\u002Fli>\n      \u003Cli>\u003Ch3>Who controls the token relationship?\u003C\u002Fh3>\u003C\u002Fli>\n      \u003Cli>\u003Ch3>Can the token be used through another supported processor?\u003C\u002Fh3>\u003C\u002Fli>\n      \u003Cli>\u003Ch3>Who generates the cryptogram and other required transaction data?\u003C\u002Fh3>\u003C\u002Fli>\n      \u003Cli>\u003Ch3>What happens to the tokens if the merchant changes providers?\u003C\u002Fh3>\u003C\u002Fli>\n    \u003C\u002Fol>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"blog-divider\">&nbsp;\u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>Are network tokens replacing PANs?\u003C\u002Fh2>\n    \u003Cp>Network tokens are reducing reliance on PANs in merchant facing payment flows, but they are not eliminating the underlying card accounts.\u003C\u002Fp>\n    \u003Cp>The PAN still exists within the issuing and card network ecosystem. The network token serves as a substitute credential for use in approved payment environments.\u003C\u002Fp>\n    \u003Cp>For merchants, the goal is not necessarily to remove every PAN from every part of the payment ecosystem. It is to reduce how often the merchant needs to collect, store, transmit, and present raw card data.\u003C\u002Fp>\n    \u003Cp>\u003Cstrong>A mature credential strategy may use:\u003C\u002Fstrong>\u003C\u002Fp>\n    \u003Cul class=\"standard-list unordered-list\">\n      \u003Cli>
590Network tokens for eligible card-on-file transactions\u003C\u002Fli>\n      \u003Cli>Account updater for cards that cannot be tokenized\u003C\u002Fli>\n      \u003Cli>Secure PAN access for approved fallback scenarios\u003C\u002Fli>\n      \u003Cli>PCI tokens to protect sensitive data within internal systems\u003C\u002Fli>\n      \u003Cli>Monitoring to determine which credential produces the best authorization result\u003C\u002Fli>\n    \u003C\u002Ful>\n    \u003Cp class=\"mb-0\">Network tokens and PANs may therefore coexist for some time, even as tokenized transactions account for a growing share of digital payments.\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"blog-divider\">&nbsp;\u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>How are network tokens used in agentic commerce?\u003C\u002Fh2>\n    \u003Cp>\u003Ca class=\"violet\" href=\"\u002Fblog\u002Fposts\u002Fwhat-you-need-to-know-about-agentic-commerce\">Agentic commerce\u003C\u002Fa> introduces another participant into the payment flow: an \u003Ca class=\"violet\" href=\"\u002Flearn\u002Fglossary#aiagent\">AI agent\u003C\u002Fa> that can research products, compare options, and potentially initiate a purchase on a consumer&rsquo;s behalf.\u003C\u002Fp>\n    \u003Cp>Giving that agent unrestricted access to a raw card number would create unnecessary security and control challenges. Tokenized credentials provide a more practical foundation because they can be restricted to an agent, a merchant, a transaction context, or a set of user-approved instructions.\u003C\u002Fp>\n    \u003Cp>\u003Ca class=\"violet\" href=\"https:\u002F\u002Fdeveloper.visa.com\u002Fcapabilities\u002Fvisa-intelligent-commerce\" target=\"_blank\" rel=\"noopener noreferrer\">Visa Intelligent Commerce\u003C\u002Fa> includes an agent-specific pass-through token designed for use at Visa-accepting merchants. \u003Ca class=\"violet\" href=\"https:\u002F\u002Fwww.mastercard.com\u002Fus\u002Fen\u002Fbusiness\u002Fartificial-intelligence\u002Fmastercard-agent-pay.html\" target=\"_blank\" rel=\"noopener noreferrer\">Mastercard Agent Pay\u003C\u002Fa> introduces \u003Ca class=\"violet\" href=\"\u002Flearn\u002Fglossary\u002Fwhat-is-an-agentic-token\">agentic tokens\u003C\u002Fa> that build on Mastercard&rsquo;s existing tokenization capabilities. \u003Ca class=\"violet\" href=\"https:\u002F\u002Fwww.americanexpress.com\u002Fen-us\u002Fcompany\u002Fagentic-commerce\u002F\" target=\"_blank\" rel=\"noopener noreferrer\">American Express&rsquo;s Agentic Commerce Experiences\u003C\u002Fa> (ACE) developer kit takes a similar approach, using single-use, intent-bound tokens to enable registered AI agents to complete payments within its closed-loop network. All three approaches are intended to provide issuers, merchants, and consumers with greater visibility and control when an AI agent participates in a transaction.\u003C\u002Fp>\n    \u003Cp>A standard merchant network token is typically provisioned for a card-on-file (COF) or digital-payment use case. To address agentic commerce specifically, the networks have introduced a distinct category called agentic tokens. These are not a separate credential architecture but rather a form of network token with additional controls and data layered on top. These controls identify the agent, connect the transaction to the consumer&rsquo;s authorization, and distinguish agent-initiated activity from standard COF transactions.\u003C\u002Fp>\n    \u003Cp class=\"mb-0\">Network tokenization provides much of the credential infrastructure used by agentic commerce, and agentic tokens are built directly on that same underlying token architecture. Agent-initiated payments also involve authentication, user consent, transaction controls, agent identification, and merchant visibility, which is why the network programs listed above layer those capabilities on top of the standard network token, resulting in the Agentic Token as the purpose-built variant for this use case.\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"blog-divider\">&nbsp;\u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>What should merchants consider before adopting network tokens?\u003C\u002Fh2>\n    \u003Cp>Network tokenization is not always a simple switch. Merchants should evaluate the complete credential and processing flow before beginning a rollout.\u003C\u002Fp>\n    \u003Ch3 class=\"inline-subhead\">Processor and acquirer support\u003C\u002Fh3>\n    \u003Cp>Confirm which processors accept network tokens, which networks and transaction types they support, and how required token data should be submitted.\u003C\u002Fp>\n    \u003Cp>A processor may support network tokens for e-commerce but not for every recurring, money movement, geographic, or debit routing use case.\u003C\u002Fp>\n    \u003Ch3 class=\"inline-subhead\">Token ownership and portability\u003C\u002Fh3>\n    \u003Cp>Determine who will act as the token requester and whether the merchant retains access to its tokens if it adds or changes processors.\u003C\u002Fp>\n    \u003Cp>This decision can have a long-term effect on routing flexibility and vendor lock-in.\u003C\u002Fp>\n    \u003Ch3 class=\"inline-subhead\">Network and issuer coverage\u003C\u002Fh3>\n    \u003Cp>Visa, Mastercard, American Express, and Discover all support network tokenization, but provisioning eligibility and issuer participation can vary. That variability is not a reason to avoid network tokens. It&rsquo;s a reason to understand exactly where the gaps are and plan around them.\u003C\u002Fp>\n    \u003Cp>Even issuers that support provisioning can show different authorization performance when processing a token versus the underlying PAN. Supporting network tokens and optimizing for them are not the same thing, and merchants who only track whether a token was issued, without also tracking its performance, can miss cases where the PAN is still the better credential to route through.\u003C\u002Fp>\n    \u003Cp>Coverage and performance also evolve over time, as issuer support expands and authorization behavior shifts. Merchants should track provisioning rates by network, issuer, \u003Ca class=\"violet\" href=\"\u002Flearn\u002Fglossary#cardtype\">card type\u003C\u002Fa>, country, and use case rather than assuming that every stored card will receive a token.\u003C\u002Fp>\n    \u003Ch3 class=\"inline-subhead\">PAN and account-updater coverage\u003C\u002Fh3>\n    \u003Cp>A network-token strategy still needs a plan for cards that cannot be provisioned or tokens that become inactive.\u003C\u002Fp>\n    \u003Cp>If a network token can&rsquo;t be provisioned for a given card, the merchant still needs a way to process that transaction. That&rsquo;s what the PAN fallback is for. But a fallback PAN is only useful if it&rsquo;s current, and cards get replaced or reissued regularly. Account Updater keeps the PAN current so the fallback credential doesn&rsquo;t go stale while token coverage catches up.\u003C\u002Fp>\n    \u003Ch3 class=\"inline-subhead\">Transaction classification\u003C\u002Fh3>\n    \u003Cp>Cardholder-initiated transactions (CIT), recurring transactions, unscheduled credential-on-file payments, account funding transactions, and other merchant-initiated transactions (MIT) can have different requirements.\u003C\u002Fp>\n    \u003Cp>The transaction must be correctly identified and submitted. A token alone will not correct an improperly classified payment.\u003C\u002Fp>\n    \u003Ch3 class=\"inline-subhead\">PCI DSS responsibilities\u003C\u002Fh3>\n    \u003Cp>Network tokens can reduce a merchant&rsquo;s reliance on raw card data. The impact on PCI scope depends on how the merchant collects the original card data, where tokens are stored, whether PAN access remains available, and how the overall payment environment is designed.\u003C\u002Fp>\n    \u003Ch3 class=\"inline-subhead\">Performance measurement\u003C\u002Fh3>\n    \u003Cp>Merchants should establish a baseline before migration and track:\u003C\u002Fp>\n    \u003Cul class=\"standard-list unordered-list\">\n      \u003Cli>Token provisioning rates\u003C\u002Fli>\n      \u003Cli>Authorization rates for tokens and PANs\u003C\u002Fli>\n      \u003Cli>Decline reasons\u003C\u002Fli>\n      \u003Cli>Fraud and chargeback rates\u003C\u002Fli>\n      \u003Cli>Interchange and processing costs\u003C\u002Fli>\n      \u003Cli>Token lifecycle events\u003C\u002Fli>\n      \u003Cli>PAN fallback usage\u003C\u002Fli>\n      \u003Cli>Performance by issuer, network, processor, and region\u003C\u002Fli>\n    \u003C\u002Ful>\n    \u003Cp class=\"mb-0\">This makes it possible to measure the actual value of network tokenization rather than relying solely on industry averages.\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"blog-divider\">&nbsp;\u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>How VGS supports network tokenization\u003C\u002Fh2>\n    \u003Cp>\u003Cstrong>
590VGS is the only independent vault and non-PSP that provides direct network token integrations with \u003Ca class=\"violet\" href=\"https:\u002F\u002Fwww.visa.com\u002Fen-us\" target=\"_blank\" rel=\"noopener noreferrer\">Visa\u003C\u002Fa>, \u003Ca class=\"violet\" href=\"https:\u002F\u002Fwww.mastercard.com\u002Fus\u002Fen.html\" target=\"_blank\" rel=\"noopener noreferrer\">Mastercard\u003C\u002Fa>, \u003Ca class=\"violet\" href=\"https:\u002F\u002Fwww.americanexpress.com\u002F\" target=\"_blank\" rel=\"noopener noreferrer\">American Express\u003C\u002Fa>, and \u003Ca class=\"violet\" href=\"https:\u002F\u002Fwww.discover.com\u002F\" target=\"_blank\" rel=\"noopener noreferrer\">Discover\u003C\u002Fa> through a single platform.\u003C\u002Fstrong> VGS is a non-PSP tokenization provider that allows merchants to manage payment credentials independently from the processor that ultimately handles the transaction.\u003C\u002Fp>\n    \u003Cp>A merchant can use a single VGS card object across \u003Ca class=\"violet\" href=\"\u002Fnetwork-tokens\">Network Tokens\u003C\u002Fa>, \u003Ca class=\"violet\" href=\"\u002Faccount-updater\">Account Updater\u003C\u002Fa>, and \u003Ca class=\"violet\" href=\"\u002Fcard-attributes-bin-lookup\">Card Attributes\u003C\u002Fa>. This gives the merchant a central way to manage the credential while still supporting multiple payment services and downstream processors.\u003C\u002Fp>\n    \u003Cp>\u003Cstrong>With VGS:\u003C\u002Fstrong>\u003C\u002Fp>\n    \u003Cul class=\"standard-list unordered-list\">\n      \u003Cli>Eligible cards can be provisioned as network tokens across all four major U.S. card networks.\u003C\u002Fli>\n      \u003Cli>Token lifecycle events can be managed without requiring the merchant to build separate integrations with each network.\u003C\u002Fli>\n      \u003Cli>VGS network tokens can be routed to supported processors rather than being tied to one PSP&rsquo;s proprietary vault.\u003C\u002Fli>\n      \u003Cli>Account Updater and secure PAN access can help provide coverage when a network token is unavailable.\u003C\u002Fli>\n      \u003Cli>Merchants can retain greater control over their payment data and processor strategy.\u003C\u002Fli>\n    \u003C\u002Ful>\n    \u003Cp>For merchants already using VGS to vault payment data, network tokens can be added within the same card-management infrastru
590cture rather than introduced as a separate credential system.\u003C\u002Fp>\n    \u003Cp class=\"mb-0\">The result is not simply a safer replacement for a card number. It is a more flexible foundation for managing and owning credentials for recurring billing or subscription services, multi-PSP \u003Ca class=\"violet\" href=\"\u002Fpayment-orchestration\">payment orchestration\u003C\u002Fa> strategy, and emerging agentic-commerce flows.\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"blog-divider\">&nbsp;\u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>Frequently asked questions about network tokens\u003C\u002Fh2>\n    \u003Cul class=\"faq-list\">\n      \u003Cli>\n        \u003Ch3>What is a network token in payments?\u003C\u002Fh3>\n        \u003Cp>A network token is a payment credential provisioned through a card network that replaces a cardholder&rsquo;s PAN within an approved payment environment. It allows supported transactions to be processed without repeatedly presenting the original card number.\u003C\u002Fp>\n      \u003C\u002Fli>\n      \u003Cli>\n        \u003Ch3>Is a network token the same as a PSP token?\u003C\u002Fh3>\n        \u003Cp>No. A PSP token is usually a reference to a PAN stored in that PSP&rsquo;s vault. A network token is recognized by the card network as a payment credential and can support network-managed lifecycle events and transaction security features.\u003C\u002Fp>\n      \u003C\u002Fli>\n      \u003Cli>\n        \u003Ch3>Are all network tokens portable between processors?\u003C\u002Fh3>\n        \u003Cp>No. Portability depends on the token requester, merchant configuration, token domain controls, processor support, and access to required cryptograms and metadata. Network tokens provisioned by an independent provider such as VGS can provide more processor flexibility than tokens controlled by a single PSP.\u003C\u002Fp>\n      \u003C\u002Fli>\n      \u003Cli>\n        \u003Ch3>Do network tokens automatically update when a card expires?\u003C\u002Fh3>\n        \u003Cp>Network tokens support lifecycle management, which means the network and issuer can update the token when the underlying card changes. The outcome depends on the issuer and lifecycle event, and some tokens may instead be suspended or deactivated.\u003C\u002Fp>\n      \u003C\u002Fli>\n      \u003Cli>\n        \u003Ch3>Does every network-token transaction use a cryptogram?\u003C\u002Fh3>\n        \u003Cp>No. A fresh cryptogram is generally used for applicable cardholder-initiated transactions (CIT). Subsequent merchant-initiated transactions (MIT), such as some recurring payments, follow stored-credential rules and may not include a new token cryptogram. That said, cryptogram requirements vary by network. Some networks expect a cryptogram on the first MIT transaction using the token, even if subsequent MITs do not require one. Merchants should confirm the specific rules for each network they support.\u003C\u002Fp>\n      \u003C\u002Fli>\n      \u003Cli>\n        \u003Ch3>Do network tokens improve authorization rates?\u003C\u002Fh3>\n        \u003Cp>Yes, they can. Current credentials and additional token information can help reduce preventable declines and give issuers more context. The size of the improvement varies by merchant, issuer mix, region, processor, and implementation.\u003C\u002Fp>\n      \u003C\u002Fli>\n      \u003Cli>\n        \u003Ch3>Do network tokens lower interchange fees?\u003C\u002Fh3>\n        \u003Cp>Yes, they may qualify for more favorable interchange treatment in some programs and regions. The savings are not universal and depend on the network&rsquo;s current qualification rules and the merchant&rsquo;s payment configuration.\u003C\u002Fp>\n      \u003C\u002Fli>\n      \u003Cli>\n        \u003Ch3>Do network tokens reduce PCI DSS scope?\u003C\u002Fh3>\n        \u003Cp>Yes, they can reduce exposure to raw card data, but they do not automatically remove a merchant from the PCI DSS scope. The effect depends on the design of the full card-data environment.\u003C\u002Fp>\n      \u003C\u002Fli>\n      \u003Cli>\n        \u003Ch3>Are \u003Ca class=\"violet\" href=\"\u002Flearn\u002Fglossary#digitalwallet\">digital-wallet\u003C\u002Fa> tokens network tokens?\u003C\u002Fh3>\n        \u003Cp>Many digital wallets use network tokenization, but their tokens are usually provisioned for a device or wallet specific domain. Merchant \u003Ca class=\"violet\" href=\"\u002Flearn\u002Fglossary#cofnetworktokens\">card-on-file network tokens\u003C\u002Fa>
590 use the same foundational technology but may have different controls and transaction flows.\u003C\u002Fp>\n      \u003C\u002Fli>\n      \u003Cli>\n        \u003Ch3>Why are network tokens important for agentic commerce?\u003C\u002Fh3>\n        \u003Cp>Network tokens provide a foundation for creating payment credentials that do not expose raw PANs and can be restricted to an approved context. New agentic token programs build on this model by adding controls that identify the agent, verify user authentication, and provide merchants and issuers with greater visibility into transactions.\u003C\u002Fp>\n      \u003C\u002Fli>\n    \u003C\u002Ful>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"blog-divider\">&nbsp;\u003C\u002Fdiv>\n  \u003Csection class=\"blog-section\">\n    \u003Ch2>Build a more flexible credential strategy with VGS\u003C\u002Fh2>\n    \u003Cp>Network tokens can help merchants reduce their reliance on static card numbers, strengthen credential security, and improve payment continuity. They also help reduce fraud and support smoother online purchases without exposing raw account numbers. Their value, however, depends on more than simply turning tokenization on.\u003C\u002Fp>\n    \u003Cp>Merchants need the right network coverage, token requester structure, processor support, lifecycle management, fallback strategy, and performance measurement. That fallback strategy matters because network tokenization is still evolving.\u003C\u002Fp>\n    \u003Cp class=\"mb-0\">VGS brings these capabilities together through direct card network integrations and a unified \u003Ca class=\"violet\" href=\"\u002Fcard-management-platform\">Card Management Platform\u003C\u002Fa>. Merchants can manage tokens, keep card data up to date on file, receive enriched card data, authenticate transactions, and use other credential services while improving payment security and maintaining greater independence from any single payment processor.\u003C\u002Fp>\n  \u003C\u002Fsection>\n  \u003Cdiv class=\"blog-divider\">&nbsp;\u003C\u002Fdiv>\n  \u003Cdiv class=\"bluviol-cta-1 mb-50\">\n    \u003Ch4>Get Started with Network Tokens.\u003C\u002Fh4>\n    \u003Cp>Network Tokens with VGS are available now. If you&rsquo;re interested in adding network tokenization to your payment flows, contact your VGS representative or fill out the form, and our dedicated team will contact you shortly.\u003C\u002Fp>\n    \u003Ca href=\"\u002Fcontact\" class=\"btn btn-violet-600 btn-md mb-0\">Contact\u003C\u002Fa>\n  \u003C\u002Fdiv>\n\u003C\u002Fdiv>\n\u003Cstyle>\n.blog-body-content{\n  color:#293846;\n  font-family:AvertaRegular,sans-serif;\n  font-size:18px;\n  line-height:34px;\n  padding-top:30px;\n  padding-bottom:50px;\n}\n.blog-body-content p{\n  margin:0 0 14px;\n}\n.blog-body-content .mb-0{\n  margin-bottom:0!important;\n}\n.blog-body-content .mb-50{\n  margin-bottom:50px!important;\n}\n.blog-body-content .blog-section{\n  margin-bottom:35px;\n}\n.blog-body-content .violet-rounded-1{\n  background:#f1eefe;\n  border-radius:30px;\n  margin-top:4px;\n  margin-bottom:35px;\n  padding:34px 40px;\n}\n.blog-body-content .violet-rounded-1 p{\n  margin-bottom:34px;\n}\n.blog-body-content .violet-rounded-1 p:last-child{\n  margin-bottom:0!important;\n}\n.blog-body-content h2{\n  color:#293846;\n  font-family:AvertaRegular,sans-serif;\n  font-size:25px;\n  font-weight:700;\n  line-height:34px;\n  margin:0 0 24px;\n}\n.blog-body-content h3,\n.blog-body-content .inline-subhead{\n  color:#293846;\n  font-family:AvertaRegular,sans-serif;\n  font-size:18px;\n  font-weight:700;\n  line-height:34px;\n  margin:0 0 10px;\n}\n.blog-body-content .blog-divider{\n  border-top:4px solid #99C4FF;\n  height:1px;\n  margin:25px 0 35px;\n  width:100%;\n}\n.blog-body-content .standard-list{\n  margin:0 0 24px;\n  padding-left:24px;\n}\n.blog-body-content .standard-list li{\n  margin-bottom:0;\n  padding-left:4px;\n}\n.blog-body-content .standard-list li::marker{\n  color:#293846;\n}\n.blog-body-content .faq-list{\n  list-style:none;\n  margin:0;\n  padding:0;\n}\n.blog-body-content .faq-list>li{\n  margin:0 0 14px;\n  padding:0;\n}\n.blog-body-content .faq-list>li:last-child{\n  margin-bottom:0;\n}\n.blog-body-content .faq-list>li p:last-child{\n  margin-bottom:0;\n}\n.blog-body-content .numbered-topic-list{\n  counter-reset:numbered-topic;\n  list-style:none;\n  margin:0;\n  padding:0;\n}\n.blog-body-content .numbered-topic-list>li{\n  counter-increment:numbered-topic;\n  margin:0 0 24px;\n  padding-left:39px;\n  position:relative;\n}\n.blog-body-content .numbered-topic-list>li::before{\n  color:#7864f5;\n  content:counter(numbered-topic) \".\";\n  font-family:AvertaRegular,sans-serif;\n  font-size:20px;\n  font-weight:700;\n  left:0;\n  line-height:26px;\n  position:absolute;\n  top:0;\n}\n.blog-body-content .numbered-topic-list h3{\n  color:#7864f5;\n  font-size:20px;\n  line-height:26px;\n  margin-bottom:10px;\n}\n.blog-body-content .numbered-topic-list.compact-list>li{\n  margin-bottom:20px;\n}\n.blog-body-content .numbered-topic-list.compact-list>li:last-child{\n  margin-bottom:0;\n}\n.blog-body-content .table-scroll{\n  margin:32px 0 35px;\n  overflow-x:auto;\n  width:100%;\n}\n.blog-body-content .network-token-table{\n  border-collapse:collapse;\n  color:#344551;\n  font-family:AvertaRegular,sans-serif;\n  font-size:16px;\n  line-height:1.25;\n  min-width:760px;\n  table-layout:fixed;\n  width:100%;\n}\n.blog-body-content .network-token-table th,\n.blog-body-content .network-token-table td{\n  border-bottom:1.16px dashed #99C4FF;\n  padding:24px 31px;\n  text-align:left;\n  vertical-align:top;\n}\n.blog-body-content .network-token-table thead th{\n  background:rgba(153,196,255,.5);\n  border-bottom:0;\n  font-weight:700;\n  padding-bottom:17px;\n  padding-top:17px;\n}\n.blog-body-content .network-token-table tbody th{\n  font-weight:700;\n  width:22.7%;\n}\n.blog-body-content .network-token-table td:nth-child(2){\n  width:29.4%;\n}\n.blog-body-content .network-token-table td:nth-child(3){\n  width:47.9%;\n}\n.blog-body-content .bluviol-cta-1{\n  background:radial-gradient(180.46% 58.73% at 19.19% 50%,rgba(56,154,245,.2) 0%,rgba(56,154,245,0) 100%),linear-gradient(141deg,#F1EEFE 24.41%,#FFF 73.5%,#BAB0FC 129.67%);\n  border-radius:30px;\n  padding:81px 68px 79px 74px;\n}
590\n.blog-body-content .bluviol-cta-1 h4{\n  color:#896bff;\n  font-family:AvertaRegular,sans-serif;\n  font-size:54px;\n  font-weight:700;\n  line-height:53px;\n  margin:0 0 37px;\n  max-width:803px;\n}\n.blog-body-content .bluviol-cta-1 p{\n  margin:0 0 37px;\n  max-width:803px;\n}\n.blog-body-content .btn-violet-600{\n  background-color:#A300CC!important;\n  border:1px solid #A300CC;\n  border-radius:50px!important;\n  color:#ffffff!important;\n  display:inline-block;\n  font-family:AvertaRegular,sans-serif;\n  font-size:15px;\n  font-weight:700!important;\n  line-height:1.06;\n  padding:10px 20px!important;\n  text-align:center;\n  text-decoration:none!important;\n  transition:all 300ms!important;\n}\n.blog-body-content .btn-violet-600:hover{\n  background-color:#ffffff!important;\n  color:#A300CC!important;\n}\n.blog-body-content .violet{\n  color:#A300CC;\n  text-decoration:underline;\n  text-underline-offset:2px;\n}\n.blog-body-content strong{\n  font-family:AvertaRegular,sans-serif;\n  font-weight:700;\n}\n@media screen and (max-width:991px){\n  .blog-body-content .violet-rounded-1{\n    padding:34px 32px;\n  }\n  .blog-body-content .bluviol-cta-1{\n    padding:50px 32px;\n  }\n}\n@media screen and (max-width:600px){\n  .blog-body-content{\n    padding-top:20px;\n  }\n  .blog-body-content .violet-rounded-1{\n    border-radius:24px;\n    padding:25px;\n  }\n  .blog-body-content h2{\n    font-size:22px;\n    line-height:31px;\n  }\n  .blog-body-content .numbered-topic-list>li{\n    padding-left:32px;\n  }\n  .blog-body-content .table-scroll{\n    margin:24px 0 30px;\n  }\n  .blog-body-content .bluviol-cta-1{\n    border-radius:24px;\n    padding:30px 25px;\n  }\n  .blog-body-content .bluviol-cta-1 h4{\n    font-size:36px;\n    line-height:43px;\n    margin-bottom:20px;\n  }\n}\n\u003C\u002Fstyle>",{"metadata":431,"sys":434,"fields":444},{"tags":432,"concepts":433},[],[],{"space":435,"id":437,"type":16,"createdAt":438,"updatedAt":438,"environment":439,"publishedVersion":441,"revision":46,"contentType":442,"locale":29},{"sys":436},{"type":12,"linkType":13,"id":14},"1ycln2MNPc635iLme2yX5U","2026-08-18T18:46:15.455Z",{"sys":440},{"id":21,"type":12,"linkType":22},6,{"sys":443},{"type":12,"linkType":27,"id":96},{"name":445,"profilePhoto":446,"bio":465,"linkedin":466},"Kinley Rose",{"metadata":447,"sys":450,"fields":457},{"tags":448,"concepts":449},[],[],{"space":451,"id":453,"type":42,"createdAt":454,"updatedAt":454,"environment":455,"publishedVersion":226,"revision":46,"locale":29},{"sys":452},{"type":12,"linkType":13,"id":14},"3OtjfrnKiMOUwAl70W2Ciz","2026-08-18T18:45:27.189Z",{"sys":456},{"id":21,"type":12,"linkType":22},{"title":445,"description":48,"file":458},{"url":459,"details":460,"fileName":464,"contentType":57},"\u002F\u002Fimages.ctfassets.net\u002Fe6d9jibdbc6c\u002F3OtjfrnKiMOUwAl70W2Ciz\u002Fc54d5075485bd4bf81546f66d620d762\u002FKinley_Rose_VGS.png",{"size":461,"image":462},714566,{"width":463,"height":463},800,"Kinley Rose VGS.png","Marketing Manager","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fkinleyrose\u002F",{"metadata":468,"sys":471,"fields":478},{"tags":469,"concepts":470},[],[],{"space":472,"id":89,"type":16,"createdAt":90,"updatedAt":90,"environment":474,"publishedVersion":93,"revision":46,"contentType":476,"locale":29},{"sys":473},{"type":12,"linkType":13,"id":14},{"sys":475},{"id":21,"type":12,"linkType":22},{"sys":477},{"type":12,"linkType":27,"id":96},{"name":98,"profilePhoto":479,"bio":119,"linkedin":120},{"metadata":480,"sys":483,"fields":488},{"tags":481,"concepts":482},[],[],{"space":484,"id":106,"type":42,"createdAt":107,"updatedAt":107,"environment":486,"publishedVersion":24,"revision":46,"locale":29},{"sys":485},{"type":12,"linkType":13,"id":14},{"sys":487},{"id":21,"type":12,"linkType":22},{"title":111,"description":48,"file":489},{"url":113,"details":490,"fileName":118,"contentType":57},{"size":115,"image":491},{"width":117,"height":117},"2026-08-20T00:00-07:00",["Reactive",494],{"$ssite-config":495},{"_priority":496,"env":499,"name":500,"url":501},{"name":497,"env":498,"url":497},-3,-15,"production","Very Good Security","https:\u002F\u002Fwww.verygoodsecurity.com",["Set"],["ShallowReactive",504],{"blogPost-vgs-enables-agentic-commerce":-1},true,"\u002Fposts\u002Fvgs-enables-agentic-commerce"]</script>
590<script>
591          
592const vgs = {
593  vaultUrl: 'https://tntodl7v1an.SANDBOX.verygoodproxy.io',
594  collectUrl: 'https://js.verygoodvault.io/vgs-collect/1/development.js',
595  env: 'development',
596  addScript: (src) => {
597    const s = document.createElement('script');
598    s.setAttribute('src', src);
599    document.body.appendChild(s);
600  },
601  getElementData: (element) => {
602    return {
603      name: element.name,
604      color: getComputedStyle(element).color,
605      placeholder: element.getAttribute('placeholder') || '',
606      type: element.getAttribute('data-secure-field') || 'text',
607      required: element.getAttribute('required'),
608    }
609  },
610  getFieldConfig: (element) => {
611    const fieldValidations = {
612      'card-number': 'validCardNumber',
613      'card-security-code': 'validCardSecurityCode',
614      'card-expiration-date': 'validCardExpirationDate',
615    };
616  
617    const elementData = vgs.getElementData(element);
618    let validations = [];
619    if(elementData.required) {
620      validations.push('required');
621    }
622    if(fieldValidations[elementData.type]) {
623      validations.push(fieldValidations[elementData.type]);
624    }
625  
626    return Object.assign(elementData, {
627      validations: validations,
628    });
629  },
630  replaceField: (secureForm, element) => {
631    const field = vgs.getFieldConfig(element);
632  
633    const span = document.createElement('span');
634    span.className = element.className;
635    span.setAttribute('name', element.name);
636    span.dataset.secureField = element.dataset.secureField;
637  
638    element.parentNode.insertBefore(span, element);
639    element.style.display = 'none';
640  
641    return secureForm.field(`[name=${field.name}]`, field);
642  },
643  findSecureForm: () => {
644    return document.querySelector('form[secure]');
645  },
646  findSecureFields: () => {
647    const domFields = document.querySelectorAll('[data-secure-field]')
648    let fields = [];
649    domFields.forEach(field => {
650      fields.push(field);
651    });
652    
653    return fields;
654  },
655  findInsecureFields: (form) => {
656    const domFields = form.querySelectorAll('input:not([data-secure-field])')
657    let fields = {};
658    domFields.forEach(field => {
659      fields[field.name] = field.value;
660    });
661    
662    return fields;
663  },
664  getPayload: (form) => {
665    return Object.assign({}, vgs.findInsecureFields(form), {
666      'form-name': form.getAttribute('name')
667    });
668  },
669  onSubmitForm: (secureForm, form) => {
670    var formData = new FormData();
671    formData.set('form-name', form.getAttribute('name'));
672    
673    secureForm.submit('/', {
674      serialization: 'formData',
675      headers: {
676        'Content-Type': 'application/x-www-form-urlencoded',
677      },
678      data: vgs.getPayload(form),
679    }, function(status, data) {
680      document.location.reload();
681    });
682  },
683  initCollectJs: () => {
684    const form = vgs.findSecureForm();
685    if(!form) {
686      return;
687    }
688  
689    const secureForm = SecureForm.create(vgs.env, function(state) {
690      console.log('state', state);
691    });
692  
693    secureForm.getUrl = () => vgs.vaultUrl;
694  
695    const secureFields = vgs.findSecureFields();
696    secureFields.forEach(field => {
697      vgs.replaceField(secureForm, field);
698    });
699  
700    form.addEventListener('submit', function(e) {
701      e.preventDefault();
702      vgs.onSubmitForm(secureForm, form);
703    }, false);
704  }
705};
706
707// addScript('http://127.0.0.1:8081/dm.js');
708vgs.addScript(vgs.collectUrl);
709window.onload = function() {
710  vgs.initCollectJs();
711}
712
713if(typeof module !== 'undefined' && module.exports) {  
714  module.exports = {
715    vgs
716  };
717}
718
719        </script>
719</body></html>

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