# Save Card without Payment

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:


```json
{
  "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:


```json
{
  "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:


```json
{
  "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

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summary
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No Charges
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Unlike micropayment approaches, there are no temporary holds or charges on the customer's account.
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Simplified Integration
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No need to void transactions - the process is complete after receiving the 
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complete-ok
 status.
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summary
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Better User Experience
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Customers see no unexpected charges or temporary holds on their statements.
details
summary
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Instant Tokenization
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The card is immediately available for future transactions once verified.
## Best Practices

| 🎯 Practice | 📋 Description |
|  --- | --- |
| **Clear Communication** | Inform customers that you're saving their card details for future convenience, but no charges will be made during this process. |
| **3D Secure Handling** | If the card requires 3DS authentication, additional steps may be necessary during the challenge or frictionless flow. Future use of the token might also require 3DS. |
| **Token Management** | Store the `cardId` securely for future transactions and associate it with the customer's account. |


## 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.