`Token Management Service` Processing {#payment-tms-process-intro}
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This section provides the information you need in order to process `Token Management Service` authorization and credit transactions.

> IMPORTANT
> Due to mandates from the Reserve Bank of India, merchants based in India cannot store personal account numbers (PAN). Use network tokens instead. For more information on network tokens, see the Network Tokenization section of the [` Token Management Service ` Guide.](https://developer.visaacceptance.com/docs/vas/en-us/tms/developer/ctv/rest/tms/tms-overview.md "")