FlexWash processes payments through Adyen, which automatically fetches and stores network tokens on behalf of our customers. These tokens operate at the card network level (Visa, Mastercard) rather than the processor level, giving car washes two concrete advantages: lower interchange costs and fewer failed recurring charges.Documentation Index
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What Is a Network Token
A network token is a card credential issued directly by the card network. Unlike a standard processor token, which is tied to a specific gateway or acquirer, a network token is maintained by the network itself and stays current even when the underlying card is replaced, reissued, or expires. When a customer adds a card at your wash, Adyen requests a network token from the issuing network. That token is what FlexWash stores and uses for all future charges.Lower Interchange Fees
Card networks incentivize merchants to use network tokens by offering reduced interchange rates on qualifying transactions. Because the token is network-verified, issuers treat these transactions as lower risk, which translates directly to lower per-transaction costs. For more background, see Adyen’s overview of network tokenization.Reduced Involuntary Churn
Involuntary churn occurs when a membership charge fails because the card on file is no longer valid. Common causes include card expiration, a lost or stolen card replacement, or a bank-initiated reissue. Network tokens help reduce involuntary churn because the token lives at the network level. It remains valid across card replacements. When a customer’s bank issues a new card number, the network updates the token behind the scenes. FlexWash continues to charge the membership successfully without the customer needing to update their payment method. This keeps your members active and your recurring revenue intact.Card Number Differences in Reports
Because network tokens are separate credentials from the physical card, the last four digits stored in FlexWash may not match the digits printed on the customer’s card. For example, a customer pays with a card ending in 2888. Adyen fetches a network token for that card, which ends in 2567. FlexWash stores and charges the network token, so your transaction reports show 2567.
