Payment by token
Payment by token allows to use a pre-registered token for making single or multiple payments without having to select a payment method and enter banking details.
In this case, a simple confirmation step is presented with a summary of the transaction (number and amount).
- The buyer verifies the information displayed on the payment page.
The buyer clicks Validate.
Under PSD2, the CVV entry and cardholder authentication are required.
An authorization request is made with the payment method associated to the token. If it is successfully completed, a summary appears.It is possible to send these details to the buyer by e-mail and receive:
Note:To find out how to send these details by e-mail, see chapter Configuring e-mails sent to the buyer.Note:When the token is associated with an expired payment method, the gateway automatically suggests to the buyer to enter the new banking details in order to perform the payment and update the associated token.
- the buyer’s token that can be used later for another financial operation,
- the payment details.
The token will not be created if the authorization or information request is rejected.
Payment by token and Liability shift
By default, the liability shift in case of a legal dispute cannot be applied to a payment by token.
Even if a 3D Secure authentication was successfully performed when the token was created, the payments made with this token do not automatically benefit from the liability shift.
In order for the liability shift to be applied, the buyer must enter the CVV code of his or her card and proceed to 3D Secure authentication (or strong authentication in case of 3DS2).
Contact the Middle Office to request the activation of these options.
By default (i.e. without the activation of the option “3D Secure for payments by token”), the details of the 3D Secure authentication (vads_threeds_xxxx field), are returned empty in the response, with the exception of the vads_threeds_exit_status field.