Payment Account Reference

PAR provides a consolidated view of transactions associated with a PAN and its affiliated tokens, making it easier to identify customers and their associated transactions across payment channels.

What is Payment Account Reference?

Payment Account Reference (PAR) is a non-financial reference value assigned to each unique PAN to link a Payment Account represented by PAN and its affiliated tokens. PAR provides a consolidated view of transactions associated with a PAN and its affiliated tokens, making it easier to identify customers and their associated transactions across payment channels.

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Features of Payment Account Reference

PAR in Authorization Response

PAR in Token Provisioning Response

PAR Maintenance

PAR Inquiry

Benefits of Payment Account Reference

PAR provides a consolidated view of transactions associated with a PAN and its affiliated tokens, making it easier to identify customers and their associated transactions across payment channels.


Better Loyalty Programs

Enhanced Risk Management

Improved Customer Support

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