Using credit card tokens

If you save credit card tokens connected to your customers' accounts, your customers won't have to enter their credit card details with every purchase.

To enable this for a terminal, select the Enable credit card token check box under Home > Terminal Settings in the Merchant Information Interface.

The credit card token is returned when a credit card transaction is successful, and is shown in the <CreditCardToken> return value, for example: fc261d146a9483019f074a0aee1d1950280cdedf.

The credit card token is returned when using any of the following API methods:

This is not available for all payment methods. See the relevant payment method in createPaymentRequest for more details. (cctoken or credit_card_token must be available as a possible parameter.)

Create a payment request using an existing credit card token

To create a payment request using a credit card token,

  1. Call the createPaymentRequest method with the ccToken or credit_card_token parameter set to the credit card token value, for example, fc261d146a9483019f074a0aee1d1950280cdedf
  2. When your customer is redirected to the payment page, the masked credit card number, and the expiration information is already filled in, and your customer only has to enter the CVV number to approve the payment. Your customer can override the pre-filled card details.

Ensure that the following returned XML parameters correspond to the order that was placed: Result, ReservedAmount, CapturedAmount, RefundedAmount, and TransactionStatus.

Create a payment without the CVV code, using the Merchant API

You can create transactions without the CVV code, using the reservation API method with an existing credit card token.

Set up a subscription with a credit card token

You can set up a new subscription without the CVV code, using the setupSubscription API method with an existing credit card token