The Visa Token Service is available at no charge to financial institutions and companies such as mobile handset manufacturers, computer and mobile operating system providers, recurring billers, ecommerce merchants, and others — if the parties sign on to the Visa Digital Enablement Program (VDEP). Google is the first company to join VDEP. It did so in advance of the upcoming launch of Android Pay, which will use tokens in NFC-compatible handsets to replace a Visa primary account number (PAN). When Visa receives a request for a token, for example from Apple for Apple Pay transactions, it...