Skip to main content

Merchant Services Account Token Management

June 6, 2025

Description

How tokens work, how to create them and how to create and manage subscriptions

What's in this article?

Tokenization exchanges sensitive payment data for a token that has no value outside of the payment system. Tokenization removes sensitive payment data from your environment to safeguard customer data while reducing your security risk for accepting card payments. You can create tokens within your Merchant Services account in online banking using Token Management Services (TMS). You do not need to sign up for TMS. A fee is charged for the creation of each customer and billing token, as noted on the Order Confirmation email. The tokens you create will remain available in TMS until you delete them.

TMS helps you to comply with the Payment Card Industry Data Security Standard (PCI DSS). TMS can help reduce the PCI DSS compliance audit questionnaire to a few check boxes, enabling most merchants to manage PCI DSS compliance faster and with less cost.

A Token Management profile includes two tokens: the customer token to store information about the customer and the billing token to store information about the payment method. A customer token can have multiple billing tokens associated with it. 

  • Customer token
    Customer tokens securely store information about your customer. Custom tokens are saved in a tokenized customer profile, storing information for repeat billing and other customer management purposes. A customer token saves a customer’s name, shipping address, billing address, contact information, and any custom fields you would like to collect. A customer token automatically creates a billing token. 
  • Billing token
    A billing token securely stores the card information, like card number and expiration date. A single customer token can be associated to multiple Billing Tokens if desired. The functionality provided by Customer Tokens and Billing Tokens is commonly referred to as allowing merchants to keep “cards on file.”

A token can be associated with a Recurring Billing subscription or used to process a one-time payment.

Customer token

Creating or updating a customer or billing token will incur a fee, as noted on the Order Confirmation email. 

To create a token
  1. Log in to your Merchant Services account in Business Advantage 360 online banking. 
  2. In the left navigation, select Token Management > Token List.
  3. Click Create token.
  4. Enter in the customer information, including Customer Details, Payment Method, Billing Information and Shipping Information. All required fields are marked with an asterisk.
  5. (Optional) Enter in Merchant Defined Data Fields. 
  6. Click Submit to save the Token Management profile (customer token and a payment token). The token payment method will be validated.
    Token Validation

    Token Management can automatically verify that a payment card is valid prior to tokenization by authorizing a zero or low value amount, depending on the card type. There is no additional charge for this service. If your account is configured for automatic pre-authorizations, Token Management automatically runs several fraud checks during a pre-authorization depending on the payment method for the new customer profile. If the verification fails, the token is not created.

    When you create a customer profile with automatic pre-authorizations, the order of services is:

    1. Credit card authorization service for the pre-authorization.
    2. Token create service—only if the authorization is successful.
    3. Full authorization reversal service—only if the authorization is successful and the pre-authorization amount is not 0.00.

    You can disable the automatic pre-authorization for an individual token create or update request using the paySubscriptionCreateService_disableAutoAuth field.

To edit a customer token
  1. Log in to your Merchant Services account in Business Advantage 360 online banking.
  2. From the left navigation, select Token Management > Token List. 
  3. Search for the customer profile and click on the Token ID.
  4. Edit the token:
    Edit the customer information
    • Click Edit Customer.
    Edit or add a payment method
    • To change the payment method information, click the pencil icon and update the information. 
    • Click Add payment method to add an additional payment method to the customer profile.
    Edit or add a shipping address
    • To change the shipping address, click the pencil icon and update the information.
  5. Click Submit and then click Confirm to save.
To search for a customer token
  1. Log in to your Merchant Services account in Business Advantage 360 online banking.
  2. In the left navigation, select Token Management > Token List.
    NOTE: Tokens will not appear until you create a search filter for them.


  3. Click Add Filter and then select a filter type from the dropdown list to filter by date range, card expiration, email, card number, token ID, or  ZIP/Postal Code.

    NOTE: Tokens will remain available until they are deleted.

To delete a token
  1. Log in to your Merchant Services account in Business Advantage 360 online banking.
  2. In the left navigation, select Token Management.
  3. Search for the token and click the Token ID to open the Token Details page.
  4. Select the checkbox for the token(s) to delete.
  5. Click Delete token, then click Confirm to delete the token.

Payment methods

Once a customer token is created, use the Payment Methods tab to add or update payment methods available to that customer token. If there are multiple payment methods listed, there is an option to select a payment method as the Primary.

To edit a payment method
  1. Log in to your Merchant Services account in Business Advantage 360 online banking.
  2. From the left navigation, select Token Management. 
  3. On the Payment Method tab, click Edit next to the payment method you want to change.
  4. Edit the payment method.
  5. Click Submit and then click Confirm to save changes.
To add a payment method
  1. Log in to your Merchant Services account in Business Advantage 360 online banking.
  2. From the left navigation, select Token Management. 
  3. On the Payment Method tab, click the Add Payment Method button.
  4. Fill in the required fields.
  5. Click Submit and Confirm to save the payment method.
To delete a payment method
  1. Log in to your Merchant Services account in Business Advantage 360 online banking.
  2. From the left navigation, select Token Management. 
  3. On the Payment Method tab, click Delete next to the payment method you would like to remove.
  4. Confirm the request by clicking Delete in the popup confirmation box.

Shipping methods

The Shipping Methods tab allows you to see what shipping methods are available to that customer token. If there are multiple shipping methods listed, there is an option to select a shipping method as the Primary.

To edit a shipping method
  1. Log in to your Merchant Services account in Business Advantage 360 online banking.
  2. From the left navigation, select Token Management. 
  3. On the Shipping Method tab, click the Edit button next to the shipping method you want to edit.
  4. Edit the information you would like changed.
  5. Click the Submit button and Confirm to save changes.
To add a shipping method
  1. Log in to your Merchant Services account in Business Advantage 360 online banking.
  2. From the left navigation, select Token Management. 
  3. On the Shipping Method tab, click the Add Shipping Method button.
  4. Fill in the required fields.
  5. Click Submit and Confirm to save the payment method.
To delete a shipping method
  1. Log in to your Merchant Services account in Business Advantage 360 online banking.
  2. From the left navigation, select Token Management. 
  3. On the Shipping Method tab, click Delete next to the shipping method you would like to remove.
  4. Confirm the request by clicking Delete in the popup confirmation box.

Token Management dashboard

The Token Management Dashboard has an overview of the number of tokens created, retrieved and updated within the selected time period. To get to the Token Management Dashboard, from your Merchant Services account in Business Advantage 360, select Token Management > Dashboard in the left navigation. 

Watch a video on viewing and exporting Token Management data


To filter Token Management dashboard
  1. Select a Date range.
  2. Then choose a Chart Type to view as a breakdown or as a trend report.  
  3. Click Search.

filter the token management dashboardThe Trend report option displays token trends over the date range:

view the trend chart type for token management dashboard

To export a Token Management report
  1. After filtering your data, click Export.
  2. Select Breakdown.
  3. Choose an export file type: CSV, JSON or XML. 
  4. The report will generate. Download from your browser and open the file. 
    export token management report
Did you find this article helpful?