Product Release Notes: Vaulting 2025 to Prepare for 2026

This year we focused on the problems facing merchants and platforms with their payments: checkout resiliency, token portability, and keeping credentials updated. The result? A platform that’s faster, adaptable, and more resilient than any other vault on the market. 

Here is some of what we shipped in 2025, with links to previous release notes and documentation. 

Top Releases in 2025 

Apple Pay and Google Pay 

In preparation for the upcoming support of Apple Merchant PANs (MPANs) for recurring subscriptions and other merchant-initiated transactions, our team released an all-encompassing solution to seamlessly support various use cases.

Our previous Apple Pay integration was designed for one-time payments, but with MPANs, we’ve been proactive about updating our infrastructure to deliver a robust, future-proof solution.

These docs for the old endpoints has some good material for why we’re moving and a migration guide:

• Apple Pay https://developers.basistheory.com/docs/api/connections/apple-pay
• Google Pay https://developers.basistheory.com/docs/api/connections/google-pay

New endpoints and docs:

• Apple Pay https://developers.basistheory.com/docs/api/apple-pay/api
• Google Pay https://developers.basistheory.com/docs/api/google-pay/api

Additionally, we’ve released MPAN support with the API. MPAN tokens allow for subscription, recurring payment, and card-on-file support, which opens more payment modes alongside the DPAN support already released that supports one-time purchases. Basis Theory will also automatically update MPANs on our customers’ behalf.

Network Tokens

We can officially announce that we fully support network tokens. This was one of the biggest leaps toward future-proofed payments infrastructure.

Network tokens enable merchants to convert raw card details into secure, network-issued tokens. The network token endpoints support one-time purchases, card-on-file transactions, subscriptions, and other recurring or cross-border payments by issuing tokens that automatically update on card reissues and boost authorization rates—all without ever storing PANs.

Visit our docs for more information on creating and using network tokens with Basis Theory. 

10x Faster Search & List Endpoints

The launch of new List and Search endpoints delivered up to 10× performance improvements and fundamentally upgraded how quickly teams can query and manage tokens at scale. 

A few of the more common tokens we’ve seen users search are:

• Last Four Digits
• Full Primary Account Number (PAN)
• Social Security Number (SSN)

Search can serve some specific but helpful use cases for users. For instance, you may want to search for tokens when:

• Debugging and Researching Issues
• Needing to verify PII credentials (like SSN) during customer support tasks.

This was a massive DX and scalability win, especially for large merchants with vaults.

Real-Time Account Updater (RTAU)

With the new real-time account updater, merchants can retrieve updated card details instantly, reducing involuntary churn and failed payments. This feature directly impacts revenue recovery and recurring-payment reliability.

Review the real-time account updater documentation. 

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Themes from 2025 

Developer Experience  

From January’s 10× faster search/list endpoints, to March’s 50% faster Web Elements API calls, to July’s 30% Elements speed improvements, 2025 was about ensuring that payment infrastructure doesn’t slow down development or user flows. New SDKs, better latency, improved error handling, and more customizable Elements delivered a smoother integration experience.

Tokenization & Payment Method Flexibility

Network tokens, dedicated Apple Pay and Google Pay endpoints, all of these underscore our commitment to providing flexibility around payment methods. Merchants can support one-time payments, subscriptions, recurring billing, cross-border transactions, and switch processors without changing how they capture payment data.

Stronger 3DS & Compliance-Ready Infrastructure

We made 3DS easier to integrate and manage: redirect flow, SDK improvements, automated requestor info, and clearer documentation. 

Better Control, Customization & Scalability for Merchants

Whitelabeling Elements, fine-tuned validation logic, BIN-lookup on Elements, Apple/Google Pay resource management, Docs API for secure file storage all point to empowering merchants to build custom, scalable payment systems that fit their brand, compliance needs, and user journeys.

Readiness for Future Payment Trends

With support for network tokens, and AI-commerce (whitepaper + sandbox), we have positioned ourselves for the next wave of payments innovation.

And that could be recurring billing, alternative payment methods, or AI-assisted payment orchestration.

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