Network Token (External)

Summary: Replace the PAN (FPAN) with a DPAN (Network Token) + cryptogram (TAVV/CAVV), when applicable. Benefits: higher approval rates, lower fraud, and reduced PCI scope.

🔎 Overview

Why?	When to use?	How it works?
Reduce fraud, improve approval, avoid sending FPAN.	Wallets (Apple Pay/Google Pay), COF/recurring, PAN→Token migration.	You send card_number (DPAN) + cryptogram Acquirer/Scheme authorizes.

🔒
Security: Never log full card_number, cryptogram, or ccv. Always use HTTPS

📦 Objects & Concepts

DPAN / Network Token (card_number): scheme-issued substitute number.
Cryptogram: proof of token possession (e.g., TAVV/CAVV).

🧭 High‑Level Flow

sequenceDiagram
  autonumber
  participant U as Customer/Merchant (App/Web)
  participant A as A55 API
  participant Q as Acquirer/Scheme

  U->>A: Sends payload with DPAN + cryptogram
  A->>Q: Authorization with DPAN + cryptogram (+ 3DS/DataOnly if applicable)
  Q-->>A: Response (approved/declined)
  A-->>U: Status (issued/pending/confirmed/paid/error)

🧾 Field Reference

Field	Type	Required	Source	Notes
`card_number`	string	✅	Wallet/TSM	DPAN (16‑digit tokenized PAN).
`card_expiry_month`	string	✅	Wallet/TSM	`MM`.
`card_expiry_year`	string	✅	Wallet/TSM	`YYYY`.
`card_cryptogram`	string (base64)	✅	Wallet/TSM	TAVV/CAVV.

📡 Endpoint

POST https://core-manager.a55.tech/api/v1/bank/wallet/charge/

Headers

Content-Type: application/json
Authorization: Bearer <access_token>

Send either card OR network_token (mutually exclusive).

{
  "wallet_uuid": "00000000-0000-0000-0000-000000000000",
  "merchant_id": "11111111-1111-1111-1111-111111111111",
  "payer_name": "John Doe",
  "payer_email": "[email protected]",
  "payer_cell_phone": "+5511999999999",
  "items": [
    {
      "name": "Sample Product",
      "description": "Description of the sample product",
      "quantity": 1,
      "total_amount": 100,
      "unit_amount": 100,
      "sku": "SAMPLE-SKU-123",
      "code": "SAMPLE-CODE-456"
    }
  ],
  "payer_address": {
    "street": "Sample Street",
    "address_number": "123",
    "complement": "Apt 101",
    "neighborhood": "Sample Neighborhood",
    "city": "Sample City",
    "state": "SP",
    "postal_code": "00000-000",
    "country": "BR"
  },
  "currency": "BRL",
  "installment_value": 100,
  "installment_count": 1,
  "due_date": "2025-12-31",
  "description": "Sample transaction description",
  "type_charge": "credit_card",
  "card_name": "John Doe",
  "card_number": "4111111111111111", // Dpan network Token
  "card_cryptogram": "abcdefghijklmnopqrstuvw==", // criptograma (ex.: TAVV/CAVV)
  "card_expiry_month": "12",
  "card_expiry_year": "2030",
  "card_cvv": "123", // not mandatory 
  "webhook_url": "https://webhook-test.com/sample-webhook",
  "redirect_url": "https://example.com/redirect"
}

Updated 21 days ago