How Network Tokens Can Power Agentic Commerce

Network tokens are card-network-issued replacements for primary account numbers that are tied to a merchant or device, use transaction-specific cryptograms for validation, and can reduce PCI exposure, fraud risk, and disruptions caused by expired or reissued cards. They are commonly used in merchant-initiated recurring-payment flows and may also support customer-initiated transactions, although those can require authentication and introduce latency. Token Requestor IDs identify the requesting merchant or provider, while tokens may originate from card networks, merchant-specific provisioning, or wallets such as Apple Pay and Google Pay. In agentic commerce, network tokens can allow verified software agents to make purchases using credentials constrained by amount, merchant category, and time, with card networks contributing fraud checks during provisioning. Additional potential applications include stablecoin-related closed-loop systems, gift-card and recurring-purchase programs, and debit-card routing, while Basis Theory presents its tools and documentation as support for merchants building agentic-commerce payment infrastructure.

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