Learn what network tokens are, how they differ from Paytrail tokens, and how they help reduce failed payments and improve the customer experience.
What is a network token?
A network token is a digital identifier for a payment card, issued by the card network (such as Visa or Mastercard). It replaces the actual card number when a customer saves their card for future use.
When a card is saved in an online service, it can be converted into a network token. This allows future payments to be made without using the actual card number.
How is this different from the Paytrail token?
When a customer saves a card, Paytrail returns a token to the merchant. This token can be used to charge the customer later.
If the card issuer supports it, this merchant token is linked to a network token. In those cases, the network token can update automatically when a card is renewed, but the merchant’s token stays the same.
Benefits of network tokens
Network tokens help keep saved card details up to date, especially in recurring payments or subscriptions.
- If the card is renewed, the network token can update automatically
- The customer doesn't need to manually update their card information
- Payments continue without disruption
- Helps reduce failed payments and customer churn
Example: A subscription payment continues successfully even after the customer receives a new card, because the network token updated behind the scenes.
Limitations to be aware of
Although network tokens help with card renewals, there are still cases where the customer may need to update their payment details manually.
When a network token may become invalid:
- The cardholder ends their customer relationship
- The card issuer deactivates the token
- Other conditions set by the card network or issuer apply
Merchants should still be prepared to request card updates when necessary.
How to check if a network token was created
Starting from 2.6.2025, Paytrail’s API will return information about whether a network token was created as part of the response when a token is requested.
- If a network token has been generated, it means the card can likely update automatically.
- If no network token has been created, the card will not auto-renew. In these cases, it’s important to remind the customer before the card expires.
Why this matters for your business
Being able to tell whether a card has a network token helps you:
- Send proactive card update reminders
- Avoid failed charges from expired cards
- Maintain continuity in subscription payments
- Reduce churn by preventing unnecessary service interruptions