Retrieve Network Token Payment Credentials {#tms-net-tkn-partner-retrieve-pay-cred-intro}
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This section describes how to retrieve network token payment credentials such as:

* Network token value
* Cryptogram (Visa and Mastercard only)
* Dynamic card verification value (CVV) (American Express only)  
  Network token payment credentials are returned as a JSON web encryption (JWE) response.

Prerequisites
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You must have the payment credentials service enabled for the `TMS` vault from which the network token is retrieved. For information on how to enable the payment credentials service, see [Token Vault Management](/docs/vas/en-us/tms/developer/ctv/rest/tms/tms-onboarding/tms-vault-hierarchy.md "").  
You must have a message-level encryption (MLE) key from the `Business Center` to retrieve network token data. For information on how to create an MLE key, see [Message-Level Encryption Keys](/docs/vas/en-us/tms/developer/ctv/rest/tms/tms-onboarding/tms-mle-setup.md "").

Endpoint
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**Test:** `POST ``https://apitest.visaacceptance.com``/tms/v2/tokens/`*{tokenId}/*`payment-credentials`{#tms-net-tkn-partner-retrieve-pay-cred-intro_restcust-test}  
**Production:** `POST ``https://api.visaacceptance.com``/tms/v2/tokens/`*{tokenId}*`/payment-credentials`  
The *`{tokenId}`* is the token ID returned in the id field when you created the customer, payment instrument or instrument identifier token. See [Create an Instrument Identifier](/docs/vas/en-us/tms/developer/ctv/rest/tms/tms-ii-tkn/tms-manage-ii-tkn/tms-ii-tkn-create-intro.md "") for more information.