Save payment method

To save a payment method for the future use you need to generate paymentToken when you create or confirm the payment and then save it on your server. This process is often called tokenization.

Tokenization protects sensitive data through a process of replacing the data with a non-sensitive equivalent, known as a token. The token has no external significance or value. It’s a reference — or identifier — that through a tokenization system, maps back to the sensitive data. This process securely collects sensitive credit card information and prevents data theft.

1. Generate payment token

When you create a payment Server-side

cURL

POST https://api.monei.com/v1/payments

curl --request POST 'https://api.monei.com/v1/payments' \

--header 'Authorization: pk_test_3c140607778e1217f56ccb8b50540e00' \

--header 'Content-Type: application/json' \

--data-raw '{

"amount": 110,

"currency": "EUR",

"orderId": "14379133960355",

"generatePaymentToken": true,

"callbackUrl": "https://example.com/checkout/callback",

"completeUrl": "https://example.com/checkout/complete"

}'

Node.js

server.js

const {Monei} = require('@monei-js/node-sdk');

const monei = new Monei('pk_test_36cf3e8a15eff3f5be983562ea6b13ec');

monei.payments.create({

amount: 110,

currency: 'EUR',

orderId: '14379133960355',

generatePaymentToken: true,

callbackUrl: 'https://example.com/checkout/callback',

completeUrl: 'https://example.com/checkout/complete'

});

PHP

server.php

$monei = new Monei\MoneiClient('pk_test_36cf3e8a15eff3f5be983562ea6b13ec');

$monei->payments->create([

'amount' => 110,

'currency' => 'EUR'

'orderId' => '14379133960355',

'generatePaymentToken' => true,

'callbackUrl' => 'https://example.com/checkout/callback',

'completeUrl' => 'https://example.com/checkout/complete'

]);

Check all available request parameters.

When you confirm a payment Server-side

cURL

POST https://api.monei.com/v1/payments/:id/confirm

curl --request POST 'https://api.monei.com/v1/payments/26d1f09c42bb59a29b06e280f9553cd5/confirm' \

--header 'Authorization: pk_test_3c140607778e1217f56ccb8b50540e00' \

--header 'Content-Type: application/json' \

--data-raw '{

"paymentToken": "7cc38b08ff471ccd313ad62b23b9f362b107560b",

"generatePaymentToken": true

}'

Node.js

server.js

const {Monei} = require('@monei-js/node-sdk');

const monei = new Monei('pk_test_36cf3e8a15eff3f5be983562ea6b13ec');

monei.payments.confirm({

paymentToken: '7cc38b08ff471ccd313ad62b23b9f362b107560b',

generatePaymentToken: true

});

PHP

server.php

$monei = new Monei\MoneiClient('pk_test_36cf3e8a15eff3f5be983562ea6b13ec');

$monei->payments->confirm(

'832b77d1a4b372349a7ae0bb1b2af059',

[

'paymentToken' => '7cc38b08ff471ccd313ad62b23b9f362b107560b',

'generatePaymentToken' => true

]

);

Check all available request parameters.

When you submit a payment form Client-side

You can pass generatePaymentToken: true when you submit a payment form. This is useful for allowing your customers to select if they want to save payment method for future use.

checkout.html

<form

action="https://secure.monei.com/payments/{{payment_id}}/confirm"

method="post"

id="payment-form"

>

<div class="card-field">

<div id="card-input">

<!-- A MONEI Card Input Component will be inserted here. -->

</div>

<!-- Used to display card errors. -->

<div id="card-error"></div>

</div>

<label>

<!-- A checkbox to save payment method -->

<input type="checkbox" name="generatePaymentToken" value="true" />

save payment method

</label>

<button type="submit" id="payment-button">Submit payment</button>

</form>

Check card payment method integration for more details.

2. Obtain and store payment token

After the payment is completed a customer is redirected to the completeUrl with payment_id query parameter, you can obtain permanent paymentToken by calling get payment endpoint.

MONEI will notify you about a payment status by sending an HTTP POST request to the callbackUrl. The request body will contain full payment object in JSON format including permanent paymentToken.

Store this paymentToken in your database along with customer information. Next time the customer does a purchase, create a payment with this token to skip payment form. Keep in mind that the customer will still need to complete 3d secure verification.

note

Generated paymentToken does not expire and should only be used server-side.