Tokenization

Tokenization & Registration

NOTE: You should be fully PCI compliant if you wish to perform tokenization requests server-to-server (as it requires that you collect the card data). If you are not fully PCI compliant, you can use the COPYandPAY tokenization tutorial to collect the payment data securely.

Tokenization allows you to store the payment data for later use. This can be useful for recurring and/or one-click payment scenarios.

This guide describes how you can store the data using our Server-to-Server API, how you can subsequently use the stored card details for a one-click payment and how to delete stored data.


Storing the payment data

There are two methods for creating a token

Store the data during a payment

A payment's data can be stored at the same time as the payment by sending the createRegistration parameter with a value of true. This is done by sending a POST request to the /payments endpoint.

Try it out in the interactive editor below and you will find that you get the additional response parameter registrationId. This parameter allows you to access the stored payment data during subsequent operations (see use cases below).

Store the data as stand-alone

A registration can also be made by calling the /registrations endpoint as a stand-alone request (i.e. without requesting a payment).

Contrary to the registration as part of a payment, you directly receive a registration object in your response. Therefore the ID to reference this data during later payments is the value of field id

  • Using the stored payment data

    Use Case 1: Recurring Payments

    Based on the stored account details recurring payments become very simple to achieve.

    All you need to do is to add the parameter standingInstruction to your requests:

    • For the initial payment request you should send the standingInstruction.mode with value INITIAL and standingInstruction.type with value UNSCHEDULED and standingInstruction.source with value CIT.
    • For any subsequent payment you should send the standingInstruction.mode with value REPEATED.and standingInstruction.type with value UNSCHEDULED , standingInstruction.source with value MIT and standingInstruction.initialTransactionId with a value as ID received in the response of the initial CIT transaction.

     The Recurring Payment tutorial explains this scenario in more detail.

  • Use Case 2: One-Click Payments

    After storing a customer's account details, it is possible to offer a 'one-click payment' checkout, to simplify subsequent purchases.

    Basically you're using the token you've received in the original payment's response in the field registrationId/id to reference and even prefill a customer's payment form.

    one-click checkout

    The One-click Payment tutorial explains this scenario in more detail.

Deleting the stored payment data

Once stored, a token can be deleted using the HTTP DELETE method against the registration.id:

Extending the stored Token For Registration

Retention period for card and non-card token data is explained under ACI Data Retention policy:. The merchant, depending on its business use case, may choose to keep tokens alive for a longer period than what the retention policy stipulates. Default retention period is 14 months with specific rules for card and non-card token data. The Token Extension product is an alternative for merchants to extend the tokens life period for up to 24 months under the same specific rules as presented in the data retention policy.

Once stored, a token life can be extended using the HTTP POST method against the registration.id: