American Express Token Service vs PayU
American Express Token Service
network.americanexpress.com
PayU
payu.inSide by side
| Figure | American Express Token Service | PayU |
|---|---|---|
| Price from | Free | — |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 2 | 1 |
| Spec score · Payment Tokenization Software | 9.0 (#2) | 7.2 (#8) |
| 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. | PayU offers APIs, SDKs and plugins, and names WooCommerce, Shopify, BigCommerce and Shopmatic as supported third-party platforms. |
| 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. | PayU describes its gateway as PCI-DSS Level 1 certified and an RBI-authorised payment aggregator, with encryption and fraud prevention tools. |
| 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. | PayU’s QR product page says representatives are available around the clock for support. |
Plans
American Express Token Service
- American Express Token ServiceFree
- American Express Token ServicePriced 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.