Network tokens replace the card PAN with a scheme-issued token that the card networks keep continuously updated. When a customer's card is reissued or its expiry changes, the token still works – so recurring and subscription payments don't fail at renewal.

Because they carry richer, verified data and reduce reliance on static PANs, network tokens typically lift authorization rates, reduce declines, and mitigate fraud. Guardian can provision them from a session, PAN, or existing PCI token.

→ Learn about network tokens