Use of Network Tokenization is subject to eligibility.

Please contact your Account Manager for more information or submit an inquiry to our Business Development team.

Tokenization errors are returned in the response body. The body is a JSON structure with a format resembling this example:

    "error": "Invalid amount",
    "message": {
        "max_amount": "0.00"
    "request-uuid": "a-unique-identifier-for-the-request"
Error Explanation Message HTTP Status Code
Cannot tokenize payment instrument The payment instrument type does not support tokenization. payment_instrument_type: the type of payment instrument 400
Card declined by issuer Card verification failed. None 422
Card is expired Expired cards are unsupported. None 422
Denied due to risk Denied due to fraudulent behavior. Note: To prevent information disclosure, this reason should never be displayed to the customer. None 422
Invalid amount The specified max_amount was unsupported or invalid. max_amount: The invalid value passed for the maximum amount 422
Invalid expire_at The specified expire_at was in the past or invalid. expire_at: The invalid value passed for the datetime after which the tokenized PAN should be considered invalid 422
PayPal billing agreement cancelled The customer requested a cancellation of all future transactions on their PayPal account. Reach out to the customer for more information or an alternative payment method. None 422
PayPal payer restriction The customer’s PayPal account can't be used for transactions at this time. The customer will need to contact PayPal for more information or use an alternative payment method. None 422
The provided payment instrument does not currently support tokenization with a cryptogram Currently, only Visa cards are eligible for cryptograms. None 422
Unsupported issuer The issuer is based in an unsupported country, or does not support tokenization. issuer_country: The ISO Alpha-2 country code of the issuer 422
Tokenization failed An unhandled exception occurred. None 500

Test credit card numbers and nonces

The following credit card numbers can be used to trigger specific unsuccessful tokenization responses in the sandbox environment.

Error Test Value Card Type Corresponding Test Nonces
Card declined by issuer 4000111111111115 Visa fake-processor-declined-visa-nonce
5105105105105100 Mastercard fake-processor-declined-mastercard-nonce
378734493671000 American Express fake-processor-declined-amex-nonce
6011000990139424 Discover fake-processor-declined-discover-nonce
3566002020360505 JCB fake-processor-failure-jcb-nonce
Denied due to risk 4000111111111511 Visa fake-gateway-rejected-fraud-nonce
Unsupported issuer 3530111333300000 JCB fake-valid-jcb-nonce

Negative testing with PayPal tokenization

Triggering a mock PayPal rejection currently leverages max_amount for parity with transaction processing.

Error Test Value
PayPal billing agreement cancelled 2070.00
PayPal payer restriction 2075.00