Tech riderRev. 2 Oct 2026

American Express Token Service

Ch 026.9of 24 Payment Tokenization Software

1Runs onAndroid, API, iOS, Web
2CostsFree plan
3Network tokenizationYes
4Token vault hostingvendor
5Detokenization APIYes
6Payment methodspayment cards, card-on-file credentials, digital wallets, wearables, Click to Pay, QR code payments
7Deployment modelcloud

7 lines stated Written from the maker's own pages: network.americanexpress.com

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The American Express Token Service homepage

Overview

American Express Token Service replaces a card’s primary account number with a payment token for online and mobile commerce. It includes a token vault, token issuance and provisioning, lifecycle management, and risk management. Tokens are surrogate values that can be restricted by retailer, number of uses, lifetime, and other variables, and follow EMVCo Payment Tokenization specifications. During provisioning, issuers can assess whether a card is active, suspected of fraud, eligible for tokenization, and belongs to the card member requesting the token. Lifecycle management can keep tokens current when cards are replaced, reducing manual updates to stored payment details. Listed uses include card-on-file payments, Click to Pay, digital wallets, virtual cards, browser autofill virtual card numbers, and digital or numberless cards. The service is cloud-based and supports payment cards, card-on-file credentials, digital wallets, wearables, Click to Pay, and QR code payments. Pricing is on request; the listed plan is 0.00 USD per free, with no deployment or use fees stated. Availability varies by market and enablement is required.

Who it is for

It is for issuers, merchants, acquirers, and service providers considering tokenized online or mobile payments. Digital wallet and card-on-file transactions require network authorization certification.

What is good

Includes token vault and lifecycle management.
Tokens can be restricted by retailer or lifetime.
Supports card-on-file and digital wallet use cases.
Lifecycle management can update tokens when cards change.
Cloud deployment is listed.

What to know first

Availability varies by market.
Enablement through an American Express relationship is required.
Network authorization certification is required for wallet and card-on-file transactions.
Pricing is on request.

Verdict

The service covers token issuance, controls, and lifecycle management for several payment use cases. Market availability, enablement, and certification requirements are important considerations.

American Express Token Service plans and pricing

All plans

American Express Token Service Free No deployment or use fees stated; availability varies by market; issuer, merchant, acquirer, or service provider enablement required network.americanexpress.com · 2 Oct 2026

Compared on payment tokenization software

Network tokenization: Yesnetwork.americanexpress.com
Token vault hosting: vendornetwork.americanexpress.com
Detokenization API: Yesnetwork.americanexpress.com
Payment methods: payment cards, card-on-file credentials, digital wallets, wearables, Click to Pay, QR code paymentsnetwork.americanexpress.com
Deployment model: cloudnetwork.americanexpress.com

Facts

What it does: Creates a secure payment method for online and mobile commerce by replacing a card’s primary account number with a payment token.network.americanexpress.com · 2 Oct 2026
Included services: The service includes a token vault, token issuance and provisioning, lifecycle management, and risk management capabilities.network.americanexpress.com · 2 Oct 2026
Use cases: Listed use cases include Card-on-File Tokenization, Click to Pay, digital wallets, virtual cards, virtual card numbers for browser autofill, and digital or numberless cards.network.americanexpress.com · 2 Oct 2026
Security: Payment tokens are unique surrogate values that can be restricted by retailer, number of uses, lifetime, and other variables, and follow EMVCo Payment Tokenization specifications.network.americanexpress.com · 2 Oct 2026
Risk assessment: During token provisioning, issuers can assess whether the card is active, not suspected of fraud, eligible for tokenization, and belongs to the card member requesting the token.network.americanexpress.com · 2 Oct 2026
Lifecycle management: Lifecycle management can keep tokens current when cards are replaced, reducing the need for card members to update stored payment details manually.network.americanexpress.com · 2 Oct 2026
Merchant benefit: The product page says storing tokens instead of card credentials can reduce merchants’ PCI-compliant infrastructure needs and PCI audit requirements.network.americanexpress.com · 2 Oct 2026
Card-on-file scope: Card-on-File Tokenization focuses on online and e-commerce stored-credential transactions, including recurring payments and subscriptions.network.americanexpress.com · 2 Oct 2026
Integrations: The issuer overview lists Apple Pay, Google Pay, Samsung Pay, Card-on-File Tokenization, and Click to Pay as supported by its lifecycle management application.network.americanexpress.com · 2 Oct 2026
API: The FAQ identifies a Token Service Cryptogram API as the channel for eCommerce Cryptogram, which supports dynamic cryptographic authentication for e-commerce and card-on-file tokenization.network.americanexpress.com · 2 Oct 2026
Certification limit: Network authorization certification is required to support digital wallet and Card-on-File Tokenization transactions.network.americanexpress.com · 2 Oct 2026
Availability and onboarding: Market availability is provided through an American Express relationship manager; issuers and merchants contact their American Express representative or relationship manager to discuss enablement.network.americanexpress.com · 2 Oct 2026
Support: The FAQ provides production support phone numbers and dedicated email contacts for network participants, merchants, processors, API production issues, and token requestor ID requests.network.americanexpress.com · 2 Oct 2026