Save Card without Payment

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You can save (tokenize) a customer's card without charging them by using xMoney's verifyCard transaction mode. This approach validates and tokenizes the card with amount 0, providing a seamless user experience without any temporary holds or charges on the customer's account.

Flow Overview

1. Create a Card Verification Request

   • Set amount to 0.
   • Include saveCard: 1 to ensure the card is tokenized.
   • Set cardTransactionMode to verifyCard to validate the card without any charges.

2. Wait for the Transaction to Complete

   • Check the status. If complete-ok, the token (cardId) is generated and tied to the customer.

3. Token Is Available

   • The card is now saved and can be referenced in future payment requests using its cardId, without additional card input from the customer.

Example Card Verification Request

Below is a minimal JSON request illustrating how to verify and save a card without any charges:

{
  "siteId": 10077,
  "customer": {
    "identifier": "cardOnlyFlow"
  },
  "order": {
    "orderId": "saveCardTest1",
    "type": "purchase",
    "amount": 0,
    "currency": "EUR",
    "description": "Card verification for tokenization"
  },
  "cardTransactionMode": "verifyCard",
  "saveCard": 1
}

Notes

• Amount: Set to 0 - no charges will be made to the customer's card.
• Order Type: Typically purchase.
• cardTransactionMode: Setting this to verifyCard validates the card without any authorization or capture.
• saveCard: Setting this to 1 ensures a token (cardId) is created.

When the customer enters their card details, xMoney will generate a token once the payment status is complete-ok.

Check Transaction Status and Extract cardId

After the card verification completes, you receive the final transaction status (e.g., via webhook or direct response). A typical successful response (decrypted if using opensslResult) looks like:

{
  "transactionStatus": "complete-ok",
  "orderId": 1234,
  "transactionId": 1234,
  "cardId": 98765,
  "customerId": 1001,
  ...
}

1. Confirm that transactionStatus is complete-ok.
2. Store the cardId for future use. This is the customer's token.

Future Payments with the Saved Card

After the card verification is complete, the card token is ready for use:

{
  "siteId": 10077,
  "customer": {
    "identifier": "cardOnlyFlow"
  },
  "order": {
    "orderId": "followUpOrder1",
    "type": "purchase",
    "amount": 99.99,
    "currency": "EUR",
    "description": "Product purchase using saved card"
  },
  "cardTransactionMode": "authAndCapture",
  "cardId": 98765
}

• Replace cardId with the token you stored.
• The customer no longer needs to enter full card details again.
• 3D Secure may still apply based on issuer/regulatory requirements.

Benefits of Using verifyCard Mode

Best Practices

Conclusion

By using the verifyCard transaction mode with amount 0, you can safely validate and tokenize a card without any charges or temporary holds. Once you receive a complete-ok status and cardId, the token is ready for future purchases, providing a streamlined checkout experience for returning customers.