我可以在需要标准 PAN 的支付网关中使用网络令牌 PAN 吗?
例如,如果您参考 Apple Pay 文档的 Payment Token Format,你会发现以下结构是可解密的:
由于 applicationPrimaryAccountNumber
是一个 PAN(尽管是一个网络令牌 PAN),我的问题是像 Stripe、Checkout.com 这样的支付网关,当我尝试充电时,Adyen 等将 PAN 视为“正常”PAN 吗?或者网关是否会区分 PAN,因为它是一种网络类型并禁止它?
例如,Checkout.com 的 API 要求您将 PAN 区分为网络令牌 PAN(请参阅此处 并将source
设置为network_token
)。
另一方面,Stripe 似乎只想允许您使用其 UI 元素创建网络令牌(ApplePay、GooglePay)。
由于这是对 Stripe 以及可能对其他支付网关的限制,我想知道网络令牌是否被设计为可以单独用作 PAN,几乎以“向后兼容”的方式使用。
For example, if you refer to the Apple Pay documentation for their Payment Token Format, you'll find the following structure is decryptable:
Since the applicationPrimaryAccountNumber
is a PAN—albeit a network token PAN—my question is will a payment gateway like Stripe, Checkout.com, Adyen, etc. accept the PAN as a "normal" PAN when I attempt to charge it? Or do gateways differentiate the PAN since it's a network one and disallow it?
For example, Checkout.com's API requires you to distinguish the PAN as a network token PAN (see here and set the source
to network_token
).
Stripe on the other hand seems to only want to allow you to create network tokens (ApplePay, GooglePay) using their UI elements.
Since this is a limitation on Stripe, and possibly other payment gateways, I'm wondering if network tokens were designed to be usable as PAN's alone, almost in a "backwards-compatible" way.
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我也在想同样的事情。我们已将 Visa 网络令牌与我们当前的处理器结合使用。但是,我似乎找不到任何迹象表明 Stripe API 将允许您使用网络令牌创建付款方式。
创建付款后,我希望提供密码。我似乎在他们的 API 中找不到任何提及这一点的内容,这让我认为他们在商家层不支持这一点(仅在内部)。
(编辑)
在对 API 进行了一些挖掘之后,我想知道他们是否会让您使用标记化的 PAN 作为卡号并传入密码作为 CVC 更新。
I'm wondering the same thing. We've used Visa Network Tokens with our current processor. However, I can't seem to find any indication that the Stripe API will let you create a Payment Method with the Network Token.
Upon creating the payment, I would expect to provide the Cryptogram. I can't seem to find any mention of this in their API, which makes me think they don't support this at the merchant layer (only internally).
(edit)
After doing some digging in the API, I'm wondering if they'll let you use the tokenized PAN as the card number and pass in the cryptogram as the CVC update.