Network Token

What is Network Tokenization?

Network Tokenization is a security standard in which the card networks (like Visa and Mastercard) issue a token that replaces the card’s primary account number (PAN) for online transactions.

Unlike processor tokens (which are generated by the payment gateway or PSP), network tokens are issued and managed by the card schemes, allowing them to remain valid even when the physical card is replaced or expires.

Bamboo supports the pass-through model, where merchants or wallets generate the network token and send it to Bamboo, which forwards it to the acquirer along with the required cryptographic information (Cryptogram).

Network Tokenization replaces the PAN throughout the payment chain, minimizing the exposure of sensitive card data

By substituting actual card numbers with secure tokens, this method reduces the risk of exposing financial information and minimizes the potential for fraud.

Using NetworkToken in a Purchase

To submit a payment using a Network Token, include the NetworkToken object in your request along with the required PaymentMethod code. This approach is typically used when the token is provisioned by a card network.

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Use only one of the following fields to submit payment details: CardData, TrxToken, or NetworkToken.
If using a NetworkToken, the PaymentMethod field is also required to specify the card type. For full integration steps, refer to the Create a Purchase guide.

NetworkToken Object

Parameter	Type	Required	Description
`Token`	`string`	Yes	The network-issued token that replaces the PAN.
`Cryptogram`	`string`	Yes	The cryptographic value generated by the issuer for this transaction.
`Expiration_Month`	`integer`	Yes	Expiration month of the token (e.g., `5` for May).
`Expiration_Year`	`integer`	Yes	Expiration year of the token (e.g., `35` for 2035).
`CardHolderName`	`string`	Yes	Full name of the cardholder as provided by the token provider.

Example Request with NetworkToken

This example shows a full purchase request using a Network Token and the required PaymentMethod.

{
  "PaymentMethod": "VSC",
  "TargetCountryISO": "UY",
  "Currency": "UYU",
  "Amount": 10000,
  "Order": "UY-2025-001",
  "Description": "Purchase using Network Token",
  "NetworkToken": {
    "Token": "5165850000000008",
    "Cryptogram": "ABCD1234EFGH5678IJKL91011MNOPQR",
    "Expiration_Month": 5,
    "Expiration_Year": 35,
    "CardHolderName": "Martín Rodríguez"
  }
}

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The NetworkToken object should be used only when the card token and cryptogram are provisioned by the card network or wallet provider. Bamboo processes the request in pass-through mode and forwards the token to the acquirer for authorization.

Discover the API

Once you’re ready to integrate network token payments, use the following resources to build and test your implementation.

Create a Purchase

Learn how to structure the full purchase request using the NetworkToken object.

Test the Endpoint

Use the API Explorer to test real requests in Staging with your network token.

Error Codes

Understand and troubleshoot API errors during the purchase process.