SquarePegToys® Q & A

Tokenized Credit Cards

We’re finding that tokenized credit cards often fail to pass our most basic payment security protocol.

What seems to occur is that a customer’s card number is converted and replaced with a temporary card number before it gets sent to us for processing obscuring its origin by sending it through an off-shore bank, most often in the Middle East. Because of this a red flag gets thrown up and the purchase declines as potential fraud.

Unfortunately when a payment fails in this specific way we don’t have the ability to tailor the error message to indicate it.  So if you are using a card that doesn’t have a card number on it, or one that employs this type of feature, we recommend choosing a different payment method.