diff --git a/src/main/java/dev/vality/fraudbusters/converter/ContextToFraudRequestConverter.java b/src/main/java/dev/vality/fraudbusters/converter/ContextToFraudRequestConverter.java
index 78dbd77f..ac5ccda3 100644
--- a/src/main/java/dev/vality/fraudbusters/converter/ContextToFraudRequestConverter.java
+++ b/src/main/java/dev/vality/fraudbusters/converter/ContextToFraudRequestConverter.java
@@ -32,6 +32,7 @@ public FraudRequest convert(Context context) {
         PaymentInfo payment = context.getPayment();
         Party party = payment.getParty();
         paymentModel.setPartyId(party.getPartyRef().getId());
+        paymentModel.setCardToken(ClickhouseUtilsValue.UNKNOWN);
         Payer payer = context.getPayment().getPayment().getPayer();
         PayerFieldExtractor.getBankCard(payer)
                 .ifPresent(bankCard -> {
@@ -40,7 +41,8 @@ public FraudRequest convert(Context context) {
                     paymentModel.setBinCountryCode(bankCard.isSetIssuerCountry()
                             ? bankCard.getIssuerCountry().name()
                             : ClickhouseUtilsValue.UNKNOWN);
-                    paymentModel.setCardToken(bankCard.getToken());
+                    paymentModel.setCardToken(bankCard.isSetToken()
+                            ? bankCard.getToken() : ClickhouseUtilsValue.UNKNOWN);
                     paymentModel.setRecurrent(
                             paymentTypeByContextResolver.isRecurrent(context.getPayment().getPayment().getPayer())
                     );
diff --git a/src/main/java/dev/vality/fraudbusters/converter/PaymentToCheckedPaymentConverter.java b/src/main/java/dev/vality/fraudbusters/converter/PaymentToCheckedPaymentConverter.java
index 25a8c2e9..678230c0 100644
--- a/src/main/java/dev/vality/fraudbusters/converter/PaymentToCheckedPaymentConverter.java
+++ b/src/main/java/dev/vality/fraudbusters/converter/PaymentToCheckedPaymentConverter.java
@@ -43,7 +43,8 @@ public CheckedPayment convert(Payment payment) {
         checkedPayment.setBin(paymentTool.isSetBankCard() ? paymentTool.getBankCard().getBin() : UNKNOWN);
         checkedPayment.setCardCategory(paymentTool.isSetBankCard() ? paymentTool.getBankCard().getCategory() : UNKNOWN);
         checkedPayment.setLastDigits(paymentTool.isSetBankCard() ? paymentTool.getBankCard().getLastDigits() : UNKNOWN);
-        checkedPayment.setCardToken(paymentTool.isSetBankCard() ? paymentTool.getBankCard().getToken() : UNKNOWN);
+        checkedPayment.setCardToken(paymentTool.isSetBankCard() && paymentTool.getBankCard().isSetToken()
+                ? paymentTool.getBankCard().getToken() : UNKNOWN);
         checkedPayment.setPaymentSystem(paymentTool.isSetBankCard()
                 ? paymentTool.getBankCard().payment_system.getId()
                 : UNKNOWN);
diff --git a/src/main/java/dev/vality/fraudbusters/converter/PaymentToPaymentModelConverter.java b/src/main/java/dev/vality/fraudbusters/converter/PaymentToPaymentModelConverter.java
index 34f8cd41..cf9b439d 100644
--- a/src/main/java/dev/vality/fraudbusters/converter/PaymentToPaymentModelConverter.java
+++ b/src/main/java/dev/vality/fraudbusters/converter/PaymentToPaymentModelConverter.java
@@ -32,7 +32,8 @@ public PaymentModel convert(Payment payment) {
         paymentModel.setCurrency(payment.getCost().getCurrency().getSymbolicCode());
         paymentModel.setMobile(payment.isMobile());
         paymentModel.setRecurrent(payment.isRecurrent());
-        paymentModel.setCardToken(payment.getPaymentTool().getBankCard().getToken());
+        paymentModel.setCardToken(payment.getPaymentTool().getBankCard().isSetToken()
+                ? payment.getPaymentTool().getBankCard().getToken() : UNKNOWN);
         paymentModel.setLastDigits(payment.getPaymentTool().getBankCard().getLastDigits());
         paymentModel.setTimestamp(TimestampUtil.parseInstantFromString(payment.getEventTime()).toEpochMilli());
         return paymentModel;