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Network Tokenisation in QuickStream

Tokenisation is the process of replacing personal data such as account details with a non-personal value (a token). This token can then be used for payment processing and transaction querying. QuickStream enables you to register and tokenise card and bank account details to securely store it in our QuickStream Vault.

The primary purpose of Tokenisation is to provide storage for card details and help your card receivables solution become PCI-DSS compliant. QuickStream, as a Tokenisation engine, has attained Level 1 PCIDSS compliance - the highest level achievable.

Interchange benefits

Both Visa and Mastercard may offer preferential interchange rates for tokenised transactions.

Increased transaction approval rates

Enhanced functionality linking token to an underlying payment account (PAR) rather than a "card" which means transactions will be successful even in case of customer's card number being replaced (lost/stolen or other reasons).

Increased transaction security

Tokenisation at a scheme-level increases security of the PAN. Proprietary tokenisation (QuickVault) is still required for merchants to help keep their current PCI-DSS status as scheme tokens are considered "PCI-DSS sensitive" same as PAN.

Minimal technical changes

Product build within QuickStream was done to minimize any changes for the merchant. Enabling Tokenisation in most cases should be a back-end enablement for their existing QuickStream facility.

How it works

A Token is a surrogate value that replaces the Primary Account Number (PAN) in the payment ecosystem. Tokenisation is the replacement of a consumer card's primary account number (PAN) with an alternative: an account token.

Network Tokenisation takes this further and replaces the PAN with a Digital Primary Account Number (DPAN). Visa and Mastercard verify the cardholder's information and provide a DPAN that can only be used by QuickStream for a single merchant. QuickStream is notified of changes to the underlying account, such as a stolen card or updated card details.

Network Tokenisation context diagram

Supported channels

Tokenisation can be completed via QuickStream and can be integrated into different registration scenarios. The registration scenarios that are supported via QuickStream:

Customer-initiated Web Registration

(QuickStream REST API and/or QuickVault Web Registration)

Your customer visits a webpage where they will enter their payment details to be tokenised and saved for potential future use.

Merchant-initiated Web Registration

(QuickStream REST API and/or QuickStream Portal)

Your staff get access to a portal or web interface to enter payment details on behalf of your customers to be tokenised and saved for potential future use.

Merchant-initiated Batch Registration

(QuickVault Batch Registration)

Your staff send a batch file with customer payment details which QuickStream will tokenise in bulk and return tokens to be saved for potential future use.

See also

Westpac Privacy Statement

Privacy Statement (for individuals whose personal information may be collected - in this clause referred to as "you"). All personal information we collect about you is collected, used and disclosed by us in accordance with our Privacy Statement which is available at Privacy Statement or by calling us through your relationship manager or Westpac representative. Our Privacy Statement also provides information about how you can access and correct your personal information and make a complaint. You do not have to provide us with any personal information but, if you don't, we may not be able to process an application or a request for a product or service.