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Visa, Token, Visa Token Service, VTS, ecommerce, securing payments, cardholder, secure token, card number, merchants, retailers, tokenization, credential-on-file, COF, operational risks, data protection, mobile carriers, Token ID, Turkey, China, Token Management Service, Cybersource, token identifier, cards, bank accounts, local payment schemes, online shopping, Visa Cloud Token Framework, Brazil, WhatsApp, WhatsApp payments