For additional flexibility with real-time, recurring, and card-on-file transactions, Merchants have the ability to securely save their customers' card payment and eCheck data by creating a token. By tokenizing a customer's payment method, Merchants can schedule future card-on-file charges and create recurring payment plans.

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How to Tokenize a Customer’s Payment Method

There are two ways in which a cardholder’s payment data can be saved for CoF & recurring payment transactions:

Creating a Customer in the Payrix Portal

Merchants have the ability to tokenize a cardholder’s payment method data directly in the Portal via the Customers section on the Dashboard menu. When creating a customer, the Merchant will be prompted to enter the cardholder’s personal information, including name, address, and email address.

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Tokenizing a Payment Method Via the API

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You also have the ability to tokenize a customer’s payment method simultaneously as you submit a transaction via the API. To do this, you will need to include the customer’s personal information within the BODY of your POST request to the /txns endpoint.

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[POST]https://api.payrix.com/txns

Content-Type:application/json
APIKEY:{{private_api_key}}

{
    "merchant": "t1_mer_59efbf4e69b27a4760b885d",
    "type": "1",
    "origin": "2",
    "token": {
        "payment": {
            "number": "4242424242424242",
            "cvv": "123",
            "expiration": "1020"
        },
        "customer": {
          "first": "John",
          "last": "Smith",
          "email":"john@example.com",
          "address1":"123 Main Street",
          "city":"New York",
          "state":"NY",
          "zip":"12345",
          }
    },
    "total": "10000"
}

{
	"merchant": "t1_mer_59efbf4e69b27a4760b885d",
	"type": "7",
	"origin": "2",
	"token": {
		"payment": {
			"method": "8",
			"number": "123456789",
			"routing": "123456789"
		},
		"customer": {
			"first": "First",
			"last": "Last",
			"email":"john@example.com",
			"address1":"123 Main Street",
			"city":"New York",
			"state":"NY",
			"zip":"12345",
		}
	},
	"total": "10000"
}

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Recurring Payments

One of the key features of tokenizing a payment method is the ability for Merchants to use it to schedule recurring payments. This solution gives a Merchant the ability to charge their customer’s tokenized payment method in their desired amount and at their desired frequency. For example, Merchants can utilize recurring payments to charge their customers a monthly fee or for billing on a subscription-based business model.

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Setting up recurring payments within Payrix consists of three components:

Creating a Customer

In order to set up recurring payments, you must first save the cardholder’s personal & payment information by creating a customer (with a token). You can read more about creating a customer here.

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To summarize, a plan determines the amount & frequency of a recurring payment, and customers can be added to a plan via a subscription.

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How to Submit a Card-On-File (CoF) Payment Using a Token

Once a customer’s payment method has been tokenized it can also be used by Merchants to submit CoF transactions.

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[POST]https://api.payrix.com/txns

Content-Type:application/json
APIKEY:{{private_api_key}}

{
    "merchant": "t1_mer_59efbf4e69b27a4760b885d",
    "type": "1",
    "origin": "2",
    "token": "b73443457d0202be0489fed2b5687f81",
    "total": "10000"
}

{
	"merchant": "t1_mer_59efbf4e69b27a4760b885d",
	"type": "7",
	"origin": "2",
	"token": "944afd0919c5561724f511d4846e40b9",
	"total": "10000"
}

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