# Network Tokens: Visa and Mastercard tokens on every processor

Orchestrapay charges saved cards with Visa (Visa Token Service) and Mastercard
(MDES) network tokens instead of the card number. Tokens stay valid when a bank
reissues the card, carry a one-time cryptogram on every payment, and work on any
processor you route to.

Page: https://www.orchestrapay.com/products/network-tokens

## What it does

- **Survives reissued cards.** The card network moves the token to the new card
  number and expiry, so saved cards keep working.
- **A cryptogram per payment.** Each charge carries a one-time cryptogram the
  issuer can verify; a copied token cannot be replayed on its own.
- **Less to lose in a breach.** A network token is bound to your business.
- **Routed like any card.** Tokens sit in your Orchestrapay vault next to the
  card, so routing rules and failover apply.
- **Provisioned on save.** Saving a Visa or Mastercard card requests its token.
- **Nothing new to integrate.** Keep charging saved cards through the same API.

## Card number vs network token

| When | Card number | Network token |
| --- | --- | --- |
| The bank reissues the card | The saved number stops working. | The network keeps the token pointed at the new card. |
| The issuer decides | A bare card number. | A token bound to your business, with a verifiable cryptogram. |
| Data leaks | Usable anywhere until cancelled. | Only works for you, never without a fresh cryptogram. |
| You switch processors | Depends on your old processor. | Held in your vault, charged on any processor. |

## FAQ

**How is it different from my processor's token?** A processor token only works
at that processor. A network token is issued by Visa or Mastercard, sits in your
vault, and can be charged on any processor that accepts network tokens.

**Which cards can be tokenised?** Visa and Mastercard cards saved in your vault.

## Related

- [Card Vault](https://www.orchestrapay.com/products/card-vault.md)
- [Card Account Updater](https://www.orchestrapay.com/products/card-account-updater.md)
- [Recover renewals & reduce churn](https://www.orchestrapay.com/solutions/recover-renewals.md)
- [Talk to sales](https://www.orchestrapay.com/contact)