Digital Wallet Notifications

A great way to reduce fraud exposure is to notify your cardholders when someone has attempted to add their card to a Digital Wallet such as Apple Pay™. If you are integrated with Marqeta through Treasury Prime, the token-activation-request card event allows you to know when a card was attempted to be added to a Digital Wallet so that you can notify the cardholder.

Crafting a User Notification

In the networkdata of the token-activation-request, there is a token_service_provider sub-object that contains information about the token requestor that you can use to inform the notification that you send to the cardholder. Sending this notification allows the cardholder the opportunity to reach out immediately in the case of potential fraud.

token_service_provider sub-object

Parameter	Type	Description
token_type	string	Comma-delimited list of digital wallet token types.
correlation_id	string	A unique value representing a tokenization request (Mastercard only).
token_reference_id	string	Unique identifier of the digital wallet token within the card network.
token_requestor_id	string	Unique numerical identifier of the digital wallet token requestor within the card network. These IDs map to a `token_requestor_name`.
token_requestor_name	string	Name of the token requestor within the card network.

Example token_service_provider sub-object

"token_service_provider": {
            "token_type": "DEVICE_SECURE_ELEMENT",
            "correlation_id": "D0008606521111",
            "token_reference_id": "DAPLMC0000264791e37c56b00ce24194bda69345f4999000",
            "token_requestor_id": "50110030273",
            "token_requestor_name": "APPLE_PAY"
        }

Token Requestors

You will see the following token_requestor_name and token_requestor_id in the token_service_provider sub-object which you can use to determine what Digital Wallet Provider the card was added to when crafting your messaging.

Network	token_requestor_name	token_requestor_id
Mastercard	APPLE_PAY	50110030273
Mastercard	ANDROID_PAY	50120834693
VISA	APPLE_PAY	40010030273
VISA	ANDROID_PAY	40010075001

Example Communication

Below is an example communication that can be used as a starting point to build your own messaging.

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Note: Please work with your partner bank to ensure communications are approved.

Dear [Cardholder Name],

Your [Issuer Name] debit card has been added to [Token Requestor Name] Pay™.

We're excited to offer [Token Requestor Name] Pay™ as an innovative and secure way to use your phone to make purchases with the touch of a finger.

Your [Token Requestor Name] Pay™ number is different than your debit card number.

To help keep your information safe, your device account number in [Digital Wallet Provider] Pay™ is different than the number on your debit card.

You can see the last four digits of your debit card number and device account number in your Wallet at any time.

The last four digits of your device account number will show on the receipt when you make a purchase.

You can still use your [Issuer Name] debit card to make purchases.

If your phone is ever lost or stolen, you should notify [Issuer Name] by calling [Issuer Support Number]. If you or an authorized user didn’t request for your debit card to be added to [Digital Wallet Provider] Pay™, please call us at [Issuer Support Number].

Sincerely,
[Issuer Name]