How Zuora Obtains Network Tokens
Zuora uses a token provisioning service to obtain network tokens after confirming that a PAN is valid through a successful transaction.
Zuora's Partnership with Worldpay for Network Tokenization
- Maintains connections with multiple card‑issuing networks, such as:
- Visa
Mastercard
- American Express
- Discover
- Forwards PAN data to the relevant card network so the network can issue a network token.
Token provisioning flow
- Once a transaction succeeds using the PAN, Zuora sends the PAN to the payment gateway. When the payment is confirmed, Zuora knows the PAN is valid.
- Zuora sends the PAN to Worldpay’s token provisioning service.
- Worldpay passes the PAN to the appropriate card issuer/network (for example, Visa).
- The card network:
- Generates a 16‑digit network token that acts as a surrogate for the PAN.
- Ensures that the token is tied to the requesting merchant.
- Worldpay sends the issued network token back to Zuora.
- Zuora stores, for the same payment method:
- The original PAN.
- The gateway payment method identifier
- The network token (a 16‑digit proxy number).