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 Cardholder’s Payment Method

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

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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 customer, the Merchant will be prompted to enter the cardholder’s personal information, including name, address, and email address.

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Once a Customer customer is created, the a Merchant can attach a saved payment method (token) to that Customer customer for future CoF or recurring billing.

A Merchant can also attach multiple tokens to a customer if they have more than one payment method that will be used for future CoF and recurring payment transactions.

Tokenizing a Payment Method Via the API

A customer’s payment method can also be saved (tokenized) via the Payrix API. This is done by sending a POST request to the /tokens endpoint. Within the BODY of the request, you will include the customer’s personal information (name, address etc.), as well as the payment method (card/account number, exp. date etc.) that you would like to tokenize.

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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 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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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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