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Tokenization

Definition​

Tokenization is the process of securely storing payment details and replacing them with a unique token.
This allows customers to reuse their payment methods without re-entering their information, ensuring a faster, safer checkout experience.

The Purse Vault System manages tokenization, maintaining security and compliance while improving user experience.

How It Works​

  1. Customer saves payment details during a transaction.
  2. Purse API generates a unique token linked to the stored payment method.
  3. Future transactions use the token instead of raw payment details, enhancing security.

Example​

Example of a Stored Payment Token​

{
  "integrated_tokens": [
    {
      "id": "92a4d48f-6f6f-4937-88d0-75136726ea10",
      "value": "B-79R12778C7158110V",
      "expiration_date": "2054-11-07T10:51:14.081048Z",
      "owner_reference": "2090000000000",
      "merchant": "testMerchant",
      "description": {
        "brand_name": "PAYPAL",
        "display_token": "[email protected]"
      },
      "status": "ACTIVE"
    }
  ]
}

Additional Features​

-Tokens can be used for recurring payments (subscriptions, stored cards).
-Customers can delete saved payment methods from the checkout widget.
-Customers can rename their saved payment methods for better identification.

Token Scope

Each payment token has a token scope, defining where it can be used:

  • solution → Usable only for the same partner and method.
  • partner → Usable across all payment methods from the same partner.
  • method → Usable for all payments made with the same method (e.g., credit card).

For custom configurations, contact the Purse Integration Team.