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U.S. Bank Europe DAC. Registered in Ireland – Number 418442..  Registered Office: Block F1, Cherrywood Business Park, Dublin 18, D18 W2X7, Ireland.
U.S. Bank Europe DAC, trading as Elavon Merchant Services, is regulated by the Central Bank of Ireland.
 
U.S. Bank Europe DAC. Registered in Ireland with Companies Registration Office. The liability of the member is limited. United Kingdom branch registered in England and Wales under the number BR022122.
U.S. Bank Europe DAC, trading as Elavon Merchant Services, is a credit institution authorised and regulated by the Central Bank of Ireland.  Authorised by the Prudential Regulation Authority.  Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority.  Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.

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**Tokenization** is a powerful security feature that allows a merchant to support all of their existing business processes that require card data without the risk of holding card data and without any security implications therefore protecting the customers' confidential information.

Tokenization eliminates the risk of storing sensitive data, and substantially reduces the liability and costs associated with PCI compliance.

:::::notice{note}

- The terminal must be set up with the *Tokenization*  option.
- Tokens are unique for each merchant. For example, the same card will produce a different token for each merchant.
- Tokens match the format of the initiating PAN and do not overlap major brand (Visa, MC, AMEX, and Discover) BIN ranges (first digit is 0-2 or 7-9) and share last four digits with corresponding PAN.
- Merchants with multiple terminals sharing tokenization domains will receive the same token for a unique card and the token can be used across their stores if they wish to do so.
:::::

## Token Generation

Tokenization generates **tokens** that are linked to credit card and gift card numbers. Converge provides the following ways to generate tokens:

- :magic-link[Within the Authorization Request]{anchor="tokenization#within-the-authorization-request"}
- :magic-link[Through a Transaction]{anchor="tokenization#through-a-transaction"}

### Within the Authorization Request

With this token generation method, you include the `ssl_get_token` (Generate Token Indicator) parameter in the authorization request of the following transactions:

**Credit Card**

- Sale
- Auth Only
- Force
- Balance Inquiry
- Batch Import
- Submit Recurring Payment
- Submit Installment Payment

**Gift Card**

- Activation
- Sale
- Balance Inquiry
- Reload
- Credit

**EMV Card**

- Chip Sale
- Swipe Sale

Refer to the :magic-link[Credit Card Transactions]{id="credit-card-transactions-overview"} sections for more information about each transaction.

Optionally, you can include the `ssl_add_token` (Add to Card Manager Indicator) parameter in the authorization request to store the token in **Card Manager**. Card Manager enables merchants to tokenize and store the customer's sensitive payment data and associated information on Elavon's secure servers,which simplifies their PCI-DSS compliance and the payment process for returning customers. Note that this parameter is **only** applicable to credit card transactions, excluding Batch Import. For gift card transactions, use the Converge user interface.

### Through a Transaction

With this token generation method, you send one of these transactions to request a token without authorization:

- `ccgettoken` (:magic-link[Credit Card Generate Token]{id="ccgettoken"})
- `cctokenimport` (:magic-link[Credit Card Information Batch Import]{id="cctokenimport"})
- `egcgettoken` (:magic-link[Gift Card Generate Token]{id="egcgettoken"})

## Token Management

Once the tokens are stored in Card Manager, you can submit one of these credit card transactions to manage the stored tokens:

- `ccquerytoken` (:magic-link[Token Query]{id="ccquerytoken"})
- `ccupdatetoken` (:magic-link[Token Update]{id="ccupdatetoken"})
- `ccdeletetoken` (:magic-link[Token Delete]{id="ccdeletetoken"})

## Transaction Processing Using a Token

Once the token is generated for the payment card, you can submit one these transactions with the `ssl_token` (Card Token) parameter as a substitute for the card number:

**Credit Card**

- Sale
- Auth Only
- Force
- Credit
- Balance Inquiry
- Batch Import
- Add Recurring
- Add Installment

**Gift Card**

- Activation
- Sale
-  Balance Inquiry
- Reload
- Credit

Refer to the :magic-link[Credit Card Transactions]{id="credit-card-transactions-overview"} sections for more information about each transaction.


Tokenization

Alliance Offers

Data as a Service

Invitation to Apply

Bank Holidays

Card Activation

Card Controls

Challenge-Widget

Commercial Credit Cards

Commercial Statements

Credit Card Account Details

Credit Card Accounts Overview

Credit Card Alerts

Credit Card Application Status

Credit Card APRs

Credit Card Balance Transfers

Credit Card Disputes

Credit Card Payments

Credit Card Qualified Offers

Credit Card Statements

Credit Card Transactions

Data Sharing for Marketing Purposes

Digital Wallets

Incoming Webhooks

Rewards Accelerator

Rewards Automatic Redemption

Rewards: Balance Summary

Rewards: Dashboard

Rewards Redemption Accounts

Rewards Redemptions

Rewards Transactions: Earned and Redeemed

Travel Notifications

User Profile

3DSecure2

CheckoutJs

Commerce SDK

Converge

Disputes Management

Dynamic Currency Conversion

eBoarding

Elavon Cloud Payments Interface

Elavon Payment Gateway

Fusebox

Guardian Integrations

Hosted Payment Page

In Person Payments on Opayo

Leads

Lightbox payment modal

Online Payments on Opayo

Opayo

Opayo Direct

Opayo Forms

Opayo Reporting API

Opayo Server

Opayo Shared API

Payment Method Gateway

Payments Core 365

Simplify

viaconex

XML API

Card as a Service API

Core Banking API

Money Movement API

Reference API

Access Online Transactions

Account Transfers

Account Validation

ACH Originations

Avvance Connect

Avvance Express

Avvance Flex

Bank Information

Card as a Service

Check Payables

Corporate Account Information

Corporate Account Information 3LO

Corporate Credit Cards

Corporate Onboarding

Corporate Statements

Custody

Data Toolbox

Data Toolbox - Accounts

Data Toolbox - Documents

Data Toolbox - Transactions

Debit Card Phone Number Lookup

Disbursements via Zelle®

U.S. Bank Flexible Capital Platform

Foreign Exchange

Freight Payment Customer Profiles

Freight Payment Transactions

Instant payments

Investment Accounting

PaySmart

Payee Choice

Payee Token+

Personal Loans

Positive Pay

Push to Card

Receivables

Tokenized Payments

Treasury Builder

U.S. Bank FBO Account

Virtual Account Reporting

Virtual Card Payments

Voyager Accounts

Voyager Cards

Voyager Drivers

Voyager Transactions

Voyager Vehicles

Wire Transfers

Converge Overview

Getting Started

Transaction Types

Credit Card Transactions Overview

Sale - ccsale

Auth only - ccauthonly

Auth Only Increment - ccauthonly

Verification - ccverify

Balance inquiry - ccbalinquiry

Return - ccreturn

Void - ccvoid

Completion - cccomplete

Delete - ccdelete

Update tip - ccupdatetip

Signature - ccsignature

Add recurring - ccaddrecurring

Update recurring - ccupdaterecurring

Delete recurring - ccdeleterecurring

Submit recurring payment - ccrecurringsale

Add installment - ccaddinstall

Update installment - ccupdateinstall

Delete installment - ccdeleteinstall

Submit installment payment - ccinstallsale

Credit card force - ccforce

Credit Card Credit - cccredit

Merchant Hosted Card On File

Debit Card Transactions

Debit Card Transactions Overview

Purchase - dbpurchase

Return - dbreturn

Auth Only - dbauthonly

Auth only Increment - dbauthonly

Complete - dbcomplete

Reverse - dbreverse

Debit - dbvoid

Delete - dbdelete

Inquiry - dbbainquiry

PINless bill pay - pldbillpay

Pinless debit purchase - pldpurchase

BIN Lookup - binlookup

Straight Send

Cash Tender Transactions

Cash Tender Transactions Overview

Sale - cashsale

Credit - cashcredit

EMV Credit/Debit Card Transactions

EMV card transactions overview

Sale - emvchipsale

Auth Only - emvchipauthonly

Swipe sale - emvswipesale

Swipe auth only - emvswipeauthonly

Card update - emvchipupdatetxn

Reversal - emvreverse

Key exchange - emvkeyexchange

Legacy key exchange - caddbkeyexchange

Interac Refunds

Return - emvchipreturn

EMV DCC check - emvdcccheck

EBT Transactions

EBT transactions overview

Food stamp benefits

Purchase - fspurchase

Return - fsreturn

Inquiry - fsbainquiry

Force purchase - fsforcepurchase

Force return - fsforcereturn

Cash benefits

Purchase - cbpurchase

Inquiry - cbbainquiry

Gift Card Transactions

Gift Card Transactions Overview

Activation - egcactivation

Sale or Redemption - egcsale

Refund - egccardrefund

Replenishment or Reload - egcreload