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PreprintCC BY 4.0Zenodo

Card Tokenization: How to Verify the 60% Authorization-Cost Claim

Abstract

Learn how to verify the 60% authorization-cost claim for card tokenization using same-merchant attempt counts, comparable costs, approval rates, and fraud data.

Independent technical note mirroring the canonical version: https://l0t.me/blog/card-tokenization-how-to-verify-the-60-authorization-cost-claim.php

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BibTeX
@misc{lawson2026card,
  title = {{Card Tokenization: How to Verify the 60% Authorization-Cost Claim}},
  author = {Nathan Lawson},
  howpublished = {Zenodo},
  year = {2026},
  month = oct,
  doi = {10.5281/zenodo.23544231},
  url = {https://zenodo.org/records/23544231},
  note = {CC BY 4.0},
}
RIS
TY  - UNPB
TI  - Card Tokenization: How to Verify the 60% Authorization-Cost Claim
AU  - Nathan Lawson
PY  - 2026
DA  - 2026/10/21
PB  - Zenodo
DO  - 10.5281/zenodo.23544231
UR  - https://zenodo.org/records/23544231
AB  - Learn how to verify the 60% authorization-cost claim for card tokenization using same-merchant attempt counts, comparable costs, approval rates, and fraud data.  Independent technical note mirroring the canonical version: https://l0t.me/blog/card-tokenization-how-to-verify-the-60-authorization-cost-claim.php
ER  -