From Vendor Tokens to Network and Universal Tokens

A practical guide to moving off vendor-owned tokens and orchestrating it all on a vendor-neutral platform.

Inside this paper

Why vendor tokens quietly protect the processor, not your business
How network tokens deliver a 3–5% authorization lift and ~30% less fraud
The nested architecture that gives you a fallback at every step
A phased migration path that funds itself as it progresses

Vendor-neutral · 90+ technology partners · 25+ banking relationships · $5B+ processed annually

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13-page PDF · for lenders, BNPL & fintechs

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4.6%

Visa-reported authorization lift on tokenized card-not-present volume

~30%

Reduction in online fraud attributed to tokenized transactions

$5B+

Annual processing volume Integrity Payments Group supports

80–90%

Of U.S., EU & AU issuing banks now support network tokenization

What's inside

Three tokens, three jobs—and how to nest them

A clear taxonomy of vendor, network, and universal tokens, the numbers behind each benefit, and the orchestration layer that turns a portable vault into recovered revenue.

01 Executive summary
02 The vendor token trap
03 Three tokens, three jobs
04 The case for network tokens
05 The case for universal tokens
06 The combined architecture
07 Orchestration in practice
08 A phased migration path

Who should read this

Written for teams that live with decline rates

If stored credentials, authorization lift, and processor independence show up in your P&L, this paper is for you.

Consumer & installment lenders

Recover revenue lost to stale cards and avoidable recurring-billing declines.

BNPL providers

Protect thin margins with decline recovery across multiple processors.

Fintechs & platforms

Own your payment data and add or switch processors without re-tokenizing.

High-volume merchants

Cut PCI scope and turn a stored book of cards into negotiating leverage.

Debra LeJeune, CEO

Debra LeJeune has spent 25+ years in payments. Before founding IPG, she managed a $150M commercial loan portfolio, then crossed to the payments side—running PayKings as President, followed by National Payment Corporation and TX Direct. She built Integrity Payments Group because she kept watching lenders and merchants end up with payment infrastructure that worked against them. IPG now supports more than $5B in annual processing volume across 90+ technology partners and 25+ banking relationships.