PXP has become the first payment provider to pilot Visa Token Account Verification (VTAV) in a live customer environment, and is among the first to implement the programme commercially. VTAV adds account-level validation to the network token journey, and PXP is at the forefront of bringing it to clients.
VTAV runs during cryptogram generation and enables CVV2, address, and name checks before a transaction is authorised. This means potential account takeover attempts can be flagged and stopped at an earlier stage in the payment flow, before they ever reach authorisation. It's a meaningful step forward in how network tokens can be used not just to improve performance, but to actively protect against fraud.
As a newly launched Visa programme, VTAV required providers to go through a rigorous certification process before bringing it to market. PXP completed that process among the first, with the capability now live and being piloted with clients.
How it works
Network tokens are already a significant upgrade from raw card data. They're scheme-issued, automatically refreshed when credentials change, and trusted more by issuers, which translates directly into higher approval rates and fewer failed payments. VTAV builds on this foundation by adding a validation layer at the point of token use. Rather than relying solely on the token, VTAV cross-checks account details during cryptogram generation, giving merchants and issuers an additional signal to act on before the payment goes through.
PXP's Token Vault supports both gateway and network tokens in one place, and the addition of VTAV extends the value of the network token layer further. Merchants using PXP acquiring can now benefit from not only better token lifecycle management, but an added fraud detection step that runs seamlessly as part of the existing flow.
What it means in practice
The ability to validate a CVV2, address, or name during tokenisation, without adding friction to the customer experience, gives businesses a practical tool for catching suspicious activity early. Account takeover is a known and growing challenge across industries. VTAV addresses it at the infrastructure level rather than leaving it entirely to downstream fraud tooling.
PXP is actively working with clients to enable VTAV as part of their inline tokenisation setup. The programme is currently supported through PXP acquiring, with further expansion planned.
Being among the first to implement VTAV, and the first to pilot it in a live environment, means PXP's clients have access to this capability at the leading edge of the market. For businesses where fraud prevention and payment performance go hand in hand, it's a meaningful addition to their payments stack.
For more information on VTAV or to explore how it fits within your payment setup, reach out to the PXP team.