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Visa faces expanded debit card probe from Federal Trade Commission: Report - San Francisco Business Times

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Visa and Mastercard say security tokens make card transactions safer. The FTC wonders if it also serves to safeguard those companies' dominant positions.

, widening a probe that's looking at whether the San Francisco company and fellow card giant Mastercard are putting up roadblocks to keep rival payments networks from processing debit card transactions.

The token is provided by the company whose name is on the card, so it’s most often Visa or Mastercard. If the token can only be understood and correctly linked to a card by the company that provided it, it means the payment moves most seamlessly over that company’s network. Critics of the companies say that entrenches the duo's dominant position over smaller, rival payment networks and restricts merchants from sending payments over other networks.

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