Pre-programmed tokens are ready to be used out of box. Then can be easily and quicklly deployed to users by the system administrator without user's involvement. That is why it is very popular, particularly in a large user base.
Pre-programmed tokens are supported by many popular MFA systems, such as Azure MFA (with Azure AD P1 or P2), OKTA, Duo etc
How it works
Every one-time password (OTP) token generates different and unique numbers, that is because every token is programmed with a unique piece of code called secret or seed. Pre-programmed tokens are programmed at factory, and cannot be re-programmed. Pre-programmed tokens come with a token file that contains the secrets of all of tokens. The customer's system administrator will upload the tokken file onto their service account, such as Azure AD account, and assign tokens to their users. Once a token is assigned to a user, it is ready to be used by the user without further actions.