Documentation

DPay Tokenization Solution

The CLOWD9 DPay solution, provides you and your Cardholders with the functionality to tokenize a Virtual and/or Physical Primary Account Number (PAN) via the Network and supported Wallet Providers.

The PAN can be tokenized multiple times throughout its lifetime to support the following:

  • Multiple devices to be used for example, smart phone, smart watch.
  • The device previously tokenized has been lost or stolen.

Post successful tokenization of a PAN:

  • The PAN becomes the Funding Primary Account Number (FPAN).
  • The digital token know as the DPAN is linked, also known as bound, to the FPAN.
  • Transactions can be made via POS terminals similar to how a Physical card is used for Contactless payments.

Tokenization is an easy to use solution supported by the Networks and Wallet providers whereby a Primary Account Number (PAN) is digitized with a proxy PAN, known as a Device Primary Account Number (DPAN).

Through each stage of the tokenization flow and lifecycle, there will be specific responsibilities for each party as follows:

You:

  • Regulated entity with the contractual relationship with the Cardholder.
  • Provision of the mobile application.
  • Management of the Cardholder authentication and outcomes (Yellow Path).
  • Relationship with the Wallet Providers, together with sending and receiving data. You may integrate with a third party to manage this.
  • Submission of Marketing, Card Design and any other material required to be approved by the Network and Wallet Providers.
  • Certification with Wallet Providers.

Network:

  • Regulating the Tokenization solution between all parties.
  • Issuance of specifications and mandates.
  • Configuration of the BIN(s) to be tokenized.
  • Interfaces between the Wallet Provide and CLOWD9.
  • Management of Network certification plan/process.

CLOWD9:

  • Ownership of the DPay solution.
  • Ensuring compliance with the Payment Network mandates.
  • Providing the platform to configure to support the tokenization through one or more Wallet providers.
  • CLOWD9 will not communicate directly to the Wallet providers.
  • Development, delivery and ownership of the API interface between CLOWD9 and third party Token Requestor.
  • Providing the DPAN lifecycle management via API and Vista.
  • Providing Tokenization Event Messages to you.
  • Authorization, Presentment Interchange & Fees Report (PIF) & Monthly Apple Pay reporting requirements.
  • Display of DPAN information and transactional data via Vista.