'Can I use a network token PAN with a payment gateway where a standard PAN is expected?
For example, if you refer to the Apple Pay documentation for their Payment Token Format, you'll find the following structure is decryptable:

Since the applicationPrimaryAccountNumber is a PAN—albeit a network token PAN—my question is will a payment gateway like Stripe, Checkout.com, Adyen, etc. accept the PAN as a "normal" PAN when I attempt to charge it? Or do gateways differentiate the PAN since it's a network one and disallow it?
For example, Checkout.com's API requires you to distinguish the PAN as a network token PAN (see here and set the source to network_token).
Stripe on the other hand seems to only want to allow you to create network tokens (ApplePay, GooglePay) using their UI elements.
Since this is a limitation on Stripe, and possibly other payment gateways, I'm wondering if network tokens were designed to be usable as PAN's alone, almost in a "backwards-compatible" way.
Sources
This article follows the attribution requirements of Stack Overflow and is licensed under CC BY-SA 3.0.
Source: Stack Overflow
| Solution | Source |
|---|
