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> If Visa added that one detail, this would be a fantastic solution.

Agree that it's an important detail to add, but it's certainly not trivial. My understanding is that tokenization support varies from bank to bank.



The token comes from your acquirer (eg Stripe), not the bank-- the acquirer is the one holding the card info, then when you submit a request to your acquirer, they perform a lookup on the token, grab the card data, and do the real lifting of charging the card.

For a company like Visa, this should be a trivial feature.




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