American Express Token Service vs DeloPay
American Express Token Service
network.americanexpress.com
DeloPay
delopay.netSide by side
| Figure | American Express Token Service | DeloPay |
|---|---|---|
| Price from | Free | $2.25/mo |
| Free plan | Yes | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | — | Yes |
| macOS | — | Yes |
| Linux | — | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 2 | 6 |
| Spec score · Payment Tokenization Software | 9.0 (#2) | 9.2 (#1) |
| 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. | The connector catalog names Stripe, PayPal, Airwallex, Mollie, Rapyd, Klarna, Creem, Whop, e-Payouts, NomuPay, Cryptomus and NOWPayments. |
| 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. | The privacy policy says data is encrypted in transit and at rest, credentials are hashed with Argon2, and access uses role-based controls. |
| 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. | Sales and technical support are offered by email or dashboard tickets, with typical replies under four hours during EU business days. |
| What it does | Replaces a card primary account number with a surrogate payment token for online and mobile transactions. | DeloPay is a payment-orchestration service that connects processor accounts and presents one API, checkout, reporting, refund, dispute and webhook layer. |
Plans
American Express Token Service
- American Express Token ServiceFree
- American Express Token ServicePriced on request
DeloPay
- Power$2.25 a month
- High volume$2.75 a month
- Scale$3.25 a month
- Growth$3.50 a month
- Starter$4 a month
- EnterprisePriced on request
In their own words
American Express Token Service
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 free, with no deployment or use fees stated. Availability varies by market and enablement is required.
DeloPay
DeloPay is a payment orchestration platform that connects payment providers and routes transactions to a selected provider. Smart Routing chooses providers using cost, recent success rate, capability matching, and business rules. Merchants can use a hosted iFrame checkout for card input, 3-D Secure, wallets, and crypto; create payment links; use a WooCommerce plugin; or integrate through the REST API. DeloPay lists integrations including Stripe, PayPal, Airwallex, Klarna, Creem, e-Payouts, NomuPay, Cryptomus, and NOWPayments. It offers JavaScript/TypeScript and Java SDKs, while native mobile SDKs are on the roadmap. Subscriptions can be created, paused, resumed, and cancelled through one API when billed through a billing-capable connector such as Stripe Billing or PayPal. Listed rates are 4.00% per transaction for Starter, 3.50% for Growth, 3.25% for Scale, 2.75% for High volume, and 2.25% for Power; there is no monthly plan or setup fee. A free trial is offered, but no free plan is listed.