EBANX, a global payments leader for emerging markets, has unveiled new data showing the powerful impact of Network Tokens (NT) on payment security and user experience across Latin America. According to controlled testing with global merchants, the adoption of NTs has reduced credit card declines due to fraud and security issues by up to 86%, and in some cases, such as temporary card blocks, the reduction reached an impressive 91%.
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The technology works by replacing sensitive card data with dynamic, secure tokens, ensuring a safer and smoother payment process. “Network Tokens not only secure every transaction with end-to-end encryption, but they also update automatically when cards expire or are replaced. For customers, this means fewer disruptions, and for businesses with recurring payments, it creates the smooth, seamless experience people expect today,” said Eduardo de Abreu, VP of Product at EBANX.
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Beyond improving security, the introduction of Network Tokens also boosted approval rates, with increases of up to seven percentage points. Subscription-based businesses were among the biggest beneficiaries, thanks to fewer failed payments caused by outdated card details. The streamlined communication between issuers, acquirers, and card networks also led to faster and more reliable transactions, reinforcing NTs’ role in enhancing both customer trust and business performance.
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While the promise is clear, EBANX acknowledges that broader adoption will depend on issuers, acquirers, and merchants aligning their systems to fully utilize NT capabilities. Still, the company believes Network Tokens will become a cornerstone of the digital payments landscape. As Abreu put it, “NTs go far beyond security, enhancing both user experience and business growth.”
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