![\"Network-vs-apexx-tokens\"](\"https://apexx.media.indulgemedia.co/general/25sd8kzifGX7SLnRfMPXHo_Network-vs-apexx-tokens.png\")
Standalone network tokenisation, built to work across providers and acquirers.
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Our solution:
Network tokens provide issuers with a stronger trust signal, helping increase authorisation rates by up to 4% and reduce false declines
Higher approval rates, fewer retries and lower the cost of acceptance by up to 5bps
Automatically updated credentials help prevent avoidable payment failures when cards expire, are lost, stolen or replaced
The Problem: Storing and processing sensitive card data increases exposure to fraud while adding complexity and cost to maintaining PCI DSS compliance.
Our solution:
Tokenisation replaces sensitive card data with secure tokens, reducing exposure of the underlying card details
Network tokens provide enhanced security and trust signals that can help merchants reduce fraud and chargebacks by up to 40%
Reduce the amount of sensitive payment data that needs to be managed, helping simplify PCI compliance and lower associated costs
The Problem: Payments are evolving as Visa and Mastercard accelerate network token adoption and AI-powered, agentic commerce changes how consumers discover, select and purchase products.
Our solution:
Adopt network tokenisation today to build secure, scheme-recognised digital credentials into your payment infrastructure
Prepare for agentic commerce, where trusted network tokens enable secure payments initiated through AI agents
Combine network tokenisation with APEXX Payment Orchestration to create a flexible payment infrastructure ready for the next generation of commerce
Using either APEXX tokens or Network tokens may reduce the scope of your PCI compliance as the storage of sensitive card data is now handled outside of your estate and stored safely with a certified party. This does not completely remove you outside of PCI compliance, but this does save you the overhead of the more stringent PCI levels.
"},{"title":"What happens if APEXX or a Scheme goes down?","copy":"With APEXX, we offer PAN redundancy. Regardless of the status of the network for token detokenisation, we will be able to retrieve the underlying PAN and ensure the authorisation is attempted with your preferred acquirer. With APEXX our ATOMIC platform has 100% uptime (based on the last 18 months).
"},{"title":"Can we use APEXX/Network tokens elsewhere?","copy":"As we are provider agnostic, we do not constrain your transactions to our system. If we have provided you with a network token, you are free to use this as intended, with any other gateway or acquirer that you are integrated with. The Network token is registered to you as a merchant and not to APEXX.
With APEXX tokens, you are limited to our system, as the card vault is located on our estate and not freely accessible to third parties. However the APEXX token can be used with any existing or new acquirer that you have connected via APEXX.
"},{"title":"Can I store a single token and use it against multiple brands or regions within our business?","copy":"Yes, APEXX supports the ability to use a token created at one location within your hierarchy at any other location within your organisational setup to ensure you only need to maintain a single token per card for your customers.
"},{"title":"Can I use a token for both stored card functionality and offline stored processing like MIT (Merchant Initiated Transactions) or Recurring transactions?","copy":"Yes, APEXX tokens can be used for Stored Card, an MIT or Recurring transactions. When using a token for Stored Card in countries where SCA is mandated you must initiate the 3DS flow using the BIN and the CardinalCommerce SDK to initiate the authentication process.
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