---
title: "Token Requestor Visa & Mastercard"
slug: "understanding-visa-token-service-webhook-events"
updated: 2026-01-07T14:18:21Z
published: 2026-01-07T14:18:21Z
canonical: "help.frisbii.com/understanding-visa-token-service-webhook-events"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://help.frisbii.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Token Requestor Visa & Mastercard

## Overview

Network tokenization through [Visa Token Service](https://usa.visa.com/products/visa-token-service.html) and [Mastercard Tokenization](https://www.mastercard.com/global/en/business/payments/consumer-payments/network-processing/tokenization.html) provides a secure method for processing payments without exposing sensitive card data. When a cardholder's credit card information is tokenized, the card networks generate a unique identifier (token) that replaces the actual card number, enhancing security while maintaining a seamless payment experience.

💡 Read more about tokenization in our blog post: [Frisbii Blog](https://frisbii.com/blog/visa-token-service/)

### Key Benefits

- **Enhanced Security**: Tokens replace actual card numbers, reducing the risk of data breaches
- **Automatic Card Updates**: Frisbii automatically updates saved cards when issuers provide new card details
- **Reduced Involuntary Churn**: Customers don't need to manually update their payment information when cards are reissued
- **Improved Authorization Rates**: Network tokens typically have higher approval rates than traditional card numbers

---

## Configuration

### Setting Up Token Requestor IDs

To enable network tokenization in Frisbii Admin:

1. Navigate to your acquirer agreement settings via **Configurations → Checkout management → Payment methods → Credit card agreement**. ![](https://cdn.document360.io/b84e1b5d-2ba6-4465-8c62-fb45a2f31314/Images/Documentation/image-YV0XP53J.png)
2. Open your acquirer agreement or create a new acquirer agreement if you don’t have one yet.
3. Locate the **Token Requestor Configuration** section.
4. For Visa and Mastercard, select your Token Requestor ID from the dropdown menu.

If you haven't created a Token Requestor ID yet:

1. Click **Create Visa token requestor ID** or **Create Mastercard token requestor ID**.
2. Follow the prompts to complete the setup. ![](https://cdn.document360.io/b84e1b5d-2ba6-4465-8c62-fb45a2f31314/Images/Documentation/image-90ZZ7UHD.png)

These identifiers enable secure payment processing through network tokenization and allow Frisbii to automatically maintain your customers' payment methods.

> [!WARNING]
> 👩‍💻 Test the setup
> 
> Testing the setup is not required. If you really want to test it, follow our technical documentation: [Test payment method events](https://docs.frisbii.com/docs/test-payment-method-events)

---

## Webhook Events

> [!WARNING]
> 👩‍💻 Technical Documentation
> 
> Find more information on webhook events in our technical documentation: [Events](https://docs.frisbii.com/reference/event)

Once a card is tokenized, you'll receive [webhook events](https://docs.frisbii.com/docs/test-payment-method-events) to monitor changes to customer payment methods. Understanding and responding to these events is essential for maintaining a reliable payment process.

### Available Events

#### customer_payment_method_updated

- **When it occurs**: The card network has provided updated card information from the issuing bank.
- **What it means**: The underlying card details have changed, such as a new card number (masked) or expiry date, but the token remains valid.

💡 **Action required?** No immediate action needed. The payment method is automatically updated and remains active. You may want to log this event for your records.

#### customer_payment_method_reactivated

- **When it occurs**: A previously failed or suspended payment method has been restored to active status.
- **What it means**: A temporarily suspended token has been resumed, or a previously failed card has been successfully retried.

💡 **Action required?** No immediate action needed, but you may want to notify the customer that their payment method is active again.

#### customer_payment_method_failed

- **When it occurs**: The issuing bank has informed the network that the card is no longer valid.
- **What it means**: The card has expired, been closed, or is otherwise unusable for payments.

💡 **Action required?** Yes.

- Notify the customer that their payment method needs to be updated
- Prompt them to add a new payment method
- Update any active subscriptions to use a valid payment method

---

### EMV Token Events

You can find the EMV token events in the Frisbii Admin in [**Customers → Payment methods events**](/frisbii/docs/payment-methods-events).

Network tokens can exist in three states:

| State | Description | Action Required |
| --- | --- | --- |
| **active** | Token is valid and can be used for payments | None |
| **suspended** | Token is temporarily blocked by issuer, this state may change | Recommended: contact customer; consider requesting new payment method |
| **deleted** | Token is permanently disabled | Request new payment method from customer |