Customer is present and is offered to store the card details for the future card-on-file transactions. Merchant must obtain customer consent for initial storage of payment credentials and establish an agreement with the customer for ongoing/future payments. There are two possible scenarios to store card details.

Get token with the purchase

  1. Payment is initiated with the payment request using API endpoint  /payments/oneoff and request_token’ = true
  2. Merchant will get payment initiation response with payment link.
  3. Customer inserts card details and payment is processed.
  4. Payment Gateway sends callback notification with payment_reference and order_reference to callback_url.
  5. To get card token merchant sends request with  API endpoint /payments/payment_reference.
  6. Payment Gateway sends back response that includes cc_details.token.
  7. Customer is redirected back to merchant.

Get token without any actual purchase 

  1. Payment is initiated with the payment request using API endpoint  /payments/oneoff, ‘amount’ is  set to zero and ‘request_token’ = true
  2. Merchant will get payment initiation response with payment link.
  3. Customer inserts card details and payment is processed.
  4. Payment Gateway sends callback notification with payment_reference and order_reference to callback_url.
  5. To get card token merchant send request with  API endpoint /payments/payment_reference.
  6. Payment Gateway sends back response that includes cc_details.token.
  7. Customer user is redirected back to merchant.

 

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