POST /v1/tokens enrolls the card on the right network and returns a stable tok_* reference your application stores.
One REST contract across Visa, Mastercard, and Amex.
Veliro replaces three scheme integrations and a PSP-coupled vault with a single credential API. Provision tokens, retrieve cryptograms, and subscribe to lifecycle webhooks — without a dedicated payments team maintaining network certifications.
The problem
What this looks like from your seat
These costs rarely show up in a vendor deck. They surface at renewal, at quarter-end, or the first time you try to switch processor.
- Scheme integration tax · three networks, three programs
MDES, VTS, and AETS each carry their own certification path, payload shapes, and lifecycle semantics. Maintaining them in-house is a permanent team, not a project.
- PSP coupling · portability becomes a rewrite
Gateway tokens are opaque to your application. When product asks for multi-PSP routing or processor failover, you’re rebuilding credential storage — not flipping a config flag.
- Operational blind spots · credentials without observability
Token state, cryptogram freshness, webhook delivery, and replay tooling need to be first-class — not debugged through PSP support tickets.
Outcomes
What you integrate against
Orthogonal REST resources for tokens, cryptograms, and lifecycle. Same contract from sandbox to production.
Visa VTS, Mastercard MDES, and Amex AETS behind a unified cryptogram endpoint with correct ECI per network.
Self-serve keys, throttled sandbox, full REST contract. Your team validates the integration before production sign-off.
How it works
Integration path
Hosted capture, synchronous provision, webhook-driven lifecycle. No processor in the credential path.
Drop in Secure Fields SDK
Render PCI-compliant hosted card inputs in checkout. PAN and CVV never enter your infrastructure.
Provision and authorize
POST /v1/tokens provisions the credential. POST …/cryptogram retrieves a single-use value per authorization. Forward to any connected acquirer.
Subscribe to lifecycle
Signed webhooks on card updates, expiries, and suspensions. Replay delivery windows from the console when you need to backfill.
Go deeper
Technical deep dives
API reference, integration trace, and network-token scheme pages for your evaluation checklist.
Other roles
Sending this to a colleague?
Each role gets the same product, framed for how they evaluate it.
Model the economics on your volume.
We'll walk through switching cost, approval-rate uplift, and PCI scope against your credential estate — in a language your whole buying committee can follow.