Following the Tokenization Initiation and the acceptance of the Terms and Conditions by the Customer, the Network will request approval from CLOWD9.

CLOWD9 will carry out further card validation steps based on the:

Primary Account Number status
CVV2 and Expiry
Risk criteria as per your configurations

Following these checks, CLOWD9 will respond with on of three respond based on the risk criteria configured as follows:

Approved (reason code 00): This will result in the token creation in an inactive status via the Network, known as the Green Flow. Further verification is not required and the next step will be Token Activation
No Reason to Decline (response code 85): The Network will progressing with the token creation in an inactive status; however further Customer Verification will be required. This is known as the Yellow Flow and will require Cardholder Verification methods to be provided as per the next step
Declined (response code will depend on the reason for the Decline): As a result of the decline, the Customer will not be able to tokenize their card. They will be required to re-start the process

Where you are involved in the Approve Provisioning Request, CLOWD9 decision only applies if no decision is received from you.

Request

Field	Description	Format	Example
token_info	Token Information object	Object
dpan_id	Identifier associated to the device token	UUID
card_id	Identifier associated to the card being tokenized	UUID	3d0229b5-8330-4c62-be60-d8a5ba2f605d
token_reference_id	The Network identifier associated to the Token	string	DNITHE302521033484727131
pan_reference_id	The Network identifier associated to the PAN	string	V-3025197339880335891989
client_id	The Identifier associated to the card	UUID	82d890aa-f083-4359-a1c8-5cd483ba40e8
network	The network associated with the BIN and card_id - visa - mastercard - discover	string	visa
status	inactive in Approve Provisioning context	string	inactive
previous_status	*empty in Approve Provisioning context	string
device		object
device_id	The Identifier associated with the device		In this context it will be empty.
identifier	The Identifier associated to the device provided by the Network		7VnCWhDb98QXaHFNbx75e0z9
index	The index provided by the Network	string	0
name	The name associated to the device	string	ZGVmYXVsdA..
os_type	Identifies the device OS type	string
os_version	Identifies the device OS version	string
type	Identifies the type of device	string	MOBILEPHONE_OR_TABLET
decisions
cvv2	The outcome of the CVV2 validation: M =CVV2 matches N =CVV2 does not match P = not provided empty = not provided	string	M
avs	The outcome of the AVS check: M = Address matches N =Address does not match, P = not provided empty = not provided	string	M
action	The outcome of the Provisioning request: 00 - APPROVED (Green Flow ) 85 - REQUIRE_ADDITIONAL_AUTHENTICATION (Yellow Flow ) 05 - DECLINED (Red Flow)	string	APPROVED
error	Will provide additional information when the Provisioning request has be declined. For example: "Invalid CVV2"	string
cardholder_info		object
high_value_customer	Indicates if the Customer is a high-value customer: true false	boolean	false
risk_assessment_score	Risk assessment score for the customer. Values are 0 - 9	string	0
pan_entry_mode	Method used to enter the PAN during tokenization: KEY_ENTERED ON_FILE MOBILE_BANKING_APP TOKEN CHIP_DIP CONTACTLESS_TAP	string	KEY_ENTERED
life_cycle_trace_id	Network trace ID for lifecycle tracking	string	305216474470842
created_datetime			1754313056

Example

Approve provisioning example request

{
  "cardholder_info": {
    "high_value_customer": false,
    "risk_assessment_score": "9"
  },
  "created_datetime": "1754313056",
  "decisions": {
    "action": "85",
    "avs": "",
    "cvv2": "M"
  },
  "device": {
    "identifier": "7VnCWhDb98QXaHFNbx75e0z9",
    "index": "0",
    "name": "ZGVmYXVsdA..",
    "os_type": "",
    "os_version": "",
    "type": "MOBILEPHONE_OR_TABLET"
  },
  "life_cycle_trace_id": "305216474470842",
  "pan_entry_mode": "KEY_ENTERED",
  "token_info": {
    "card_id": "47277b0d-2aa6-48ab-a2f5-7a5dababf2f8",
    "client_id": "82d890aa-f083-4359-a1c8-5cd483ba40e8",
    "network": "visa",
    "pan_reference_id": "V-3025197339880335891989",
    "previous_status": "",
    "status": "inactive",
    "token_reference_id": "DNITHE302521033484727131"
  }
}

Expected Response

Example 1: Approved

{
  "action": "00",
  "card_id": "47277b0d-2aa6-48ab-a2f5-7a5dababf2f8",
  "token_reference_id": "DNITHE302521033484727131"
}

Example 2: No Reason to Decline

{
  "action": "85",
  "card_id": "47277b0d-2aa6-48ab-a2f5-7a5dababf2f8",
  "token_reference_id": "DNITHE302521033484727131"
}

Example 3: Declined

{
  "action": "05",
  "card_id": "47277b0d-2aa6-48ab-a2f5-7a5dababf2f8",
  "token_reference_id": "DNITHE302521033484727131"
}