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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.

Info

Tokens save the payment method while fully protecting the cardholder’s sensitive data, simplifying your PCI compliance requirements. Tokens do not expire. 

Table of Contents

...

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:

...

Location

Syntax

URL

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

HEADER

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

BODY (for card payments)

Code Block
{
    "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"
}

BODY (for eCheck payments)

Code Block
{
	"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"
}

...

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.

...

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

...

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.

...

Location

Syntax

URL

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

HEADER

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

BODY (for card payments)

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

BODY (for eCheck payments)

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

...

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