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:

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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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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.

How to Submit a CoF Transaction in the Portal

To submit a CoF payment in the Portal, locate the customer’s profile page. Scroll to the bottom of the customer’s profile page and select the Charge Customericon. Once the icon is hit you will have the option to select any of the customer’s existing tokens as the payment method and then you will be prompted to enter the payment details (amount etc.).

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How to Submit a CoF Transaction Via the API

To submit a CoF transaction via the API you will need to add the token (which can be found on the customer’s profile page) to your POST request to the /txns endpoint. If the customer’s address information was saved then it will be automatically included when a Merchant submits a transaction using their token

[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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