Hey @paul_earnest,
Regarding your question, can you please reach out to developer@visa.com so that developer@visa.com can connect you to the Visa Token Service (VTS) expert team? Normally, we would want you to email us with the email address that you had provided when you enrolled in the Visa Token Service program. That way, the VTS expert team can provide you with more details.
The truth of the matter is that we don't own the apps, so we can't speak for them collectively, as each app might be handled differently by each app. The token is a reference number, non-PII information, and allows for obtaining an encrypted payload, this payload is verified in a variety of ways along the process and eventually decrypted into payment information. Since other organizations handle the digital wallets, this information would have to be obtained from them.
Thanks,
Diana
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