This is a guide to activate your Visa Token Service in your Billwerk+ Platform. This is only relevant if you offer subscriptions or cards on files to your customers.

How to activate visa token service

Take the next easy steps to activate your Visa Token Service today. After 48 hours the token will be ready.

1. Log in to your Billwerk+ Platform
2. Go to Configuration
3. Choose Payment methods
4. Click on cards
5. In the top right corner, please choose actions
6. Then click on ‘Manage Visa Token Service’
7. Generate a Token Requester ID

The Token Requester ID can be used for all your acquiring agreements where the use of tokens can be applicable. In other words, where you save your customers payment cards for recurring purchases, or your subscription management on Visa cards.

Each update will be charged by a fee of: 0,25 EUR

How you can benefit from the token service

The payment card schemes, e.g. Visa, have made it a standard to use tokens in order to increase the level of security against payment fraud. Just like digital transactions are a part of the everyday business, so is fraud.

Besides fraud protection, there is a high level of service and convenience in the solution. And your company can benefit instantly from the solution.

Here are the three first takes:

• Higher retention
• Reduced lost revenue
• Increased customer satisfaction

Tokenisation is how the card schemes can automate and secure your recurring payments, by replacing the card data with a token. The card data is then protected at every stage of the payment journey. In case of fraud attempts, the fraudsters only get hold of the token data, which is worthless to them. By using tokenisation on your saved cards, you also get the significant benefit of the cards being automatically renewed when expired or exchanged.

Get more details of how to benefit from the service

The Visa tokenisation will be the new standard

Newer Billwerk+ users will have the Token Requester ID automatically activated, but if you are an existing user you either have to manually activate it or wait until it gets automatically activated a few weeks after October 1st, 2023.

Visa is the first developed token scheme in collaboration with Billwerk+, and later Mastercard will follow with a token scheme dedicated to Mastercard.

If you don’t want to use the token service

When tokenisation has become a standard to use, there will be higher fees for all non-tokenised transactions on saved cards or subscriptions. It’s your acquirer that will get these fees, and those fees will be passed on to you.

With tokenisation, you only pay a fee of 0,25 EUR per updated card, so choosing not to use tokenisation can mean an extra expense from your acquirer.

Technical support

These technical scenarios are important for both existing and new Billwerk+ Subscription users.

If you already are an existing Billwerk+ user, you are probably familiar with using our webhooks to observe and control your payments flow. Similarly, as a new user this information could also be helpful to know what to look out for when implementing tokenisation so you will know how to take recurring payments online more securely and streamlined.

If you display payment card information on your own page

If you are displaying your customer’s credit cards on your own page, e.g. in a self-service portal, this is important to keep in mind: When a card is renewed or changed to a new credit card, you have to observe the customer_payment_method_updated webhook from Billwerk+ and fetch the new credit card information such as the masked credit card number and expiry date. In this way, you are always up to date with your customers’ credit cards and can display the correct information on your own page.

If you send out notifications when the payment card expires

If you are sending out emails or notifications to your customers about their card expiring soon, you will need to distinguish between a normally saved credit card and a tokenised saved credit card.

Tokenised cards will have a token label in the Billwerk+ Admin. By observing the payment_type argument in the payment_method object you can see the difference: If the argument is set to EMV_token, then the card is tokenised.

If a payment card is marked as failed

It’s also important to note that if you receive the customer_payment_method_failed webhook from Billwerk+, you should not do any further transactions on this card. Only if you receive the customer_payment_method_reactivated webhook can you start processing transactions on the card again.

Billwerk+ supports you

If you need any guidance or have any questions, the Billwerk+ support team is here for you.

Give us a call at +45 89 87 85 81 or write us an email, and we’ll be happy to help you!