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

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Payrix provides the following resources for implementing tokenization and card-on-file/recurring payments:

This page includes the following information about Payrix’s tokenization and recurring payments solutions:

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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/wiki/spaces/PAL/pages/764805252

Merchants have the ability to tokenize a cardholder’s payment method data directly in the Portal /wiki/spaces/PAL/pages/764805252 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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[POST]https://api.payrix.com/tokens

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

{
	"customer":{
		"first":"John",
		"last":"Smith",
		"email":"john@example.com",
		"address1":"123 Main Street",
		"city":"New York",
		"state":"NY",
		"zip":"12345",
	},
	"payment":{
		"number":"4242424242424242",
		"cvv":"123"
	},
	"expiration":"0120"
}

Creating a Token SimultaneouslyAs You Submit a Transaction in the API

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.

[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.

Recurring payments can be set up directly in the Portal, by creating a recurring payment plan & subscribing your desired customer/s to that plan.

Setting Up Recurring Payments

Setting up recurring payments within Payrix consists of three components:

Creating a Customer/wiki/spaces/PAL/pages/764805252

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/wiki/spaces/PAL/pages/764805252.

Recurring Payment Plans

A plan dictates the amount and how often a recurring payment will be charged. Plans are not unique to a specific customer, rather multiple customers can be added to the same plan, and each will be charged the same amount at the intervals dictated in the plan.

Subscriptions

Once a plan dictating the recurring payment amount & frequency is created, customers can be added to the plan via subscriptions. Therefore, customers can be added or removed from a recurring payment plan without any changes being made to the actual plan. Simply adjust a customer’s subscription to make any changes.

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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