The Problem: Not Every Payments Provider Plays Fair

When businesses accept credit or debit cards online or in-store, industry best practice is to tokenize card numbers. This means replacing sensitive card details with a secure token, reducing fraud risks.

But what happens when a software platform switches payment providers? Those tokens need to be converted back into card numbers so they can be re-tokenized with the new provider.

Unfortunately, some payment companies don’t handle this process responsibly. We recently migrated 31,000 tokens from a well-known provider (one whose name might remind you of swiping a card), only to find that the data was a mess. Incorrect or outdated card numbers can lead to failed transactions, frustrated customers, and lost revenue.

The Solution: A Smarter Approach to Token Conversion

To ensure clean and accurate token migration, we’ve built multiple layers of protection:

• $0 Authorization Validation – As soon as a software platform migrates, it can instantly verify that each token conversion was done correctly, preventing future transaction failures.

• Network Token Enabled Account Updater – If a provider hands over outdated card information, our system automatically updates the token with the latest card details. No manual intervention needed.

The Impact: Higher Payment Approval Rates, Less Customer Frustration

At the end of the day, authorization rates matter. When customers try to make a payment, they expect it to go through. While we can’t stop declines due to insufficient funds, we can make sure stored cards are always up to date—boosting approval rates by 25% or more.

Switching payment providers shouldn’t mean losing revenue to bad data. With our token migration tools, businesses can move seamlessly without disruption, keeping payments flowing and customers happy.