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Explainers: Card on file

Diagram: an expired card is crossed out and a reissued orange card feeds a dark token vault at the card network, which links to the same network token and per-payment cryptogram stored by the merchant
Card payments ·

Network Tokenization Explained: Why a Saved Card Keeps Working

How network tokens replace a stored card number, survive a card reissue and what a merchant still has to check.

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