Pay by Token

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Do you have the Pay by Token feature enabled on your account?

Not all customers will have the Pay by Token facility enabled on their N-Genius Online account. To check whether you have this facility, please consult with your support team or relationship manager.

If you have the Pay by Token facility enabled on your N-Genius Online account, for each successful transaction you will receive token data back in the payment response in the following JSON format.

This will allow you to capture and store non-sensitive data about your customer's payment card, and to re-present this data back to the N-Genius Online payment page for repeat customers.

savedCard: {
"cardToken": "[Base64 string]",
"cardholderName" : "Test Customer",
"expiry": "2025-04",
"maskedPan": "401200******1112",
"scheme": "VISA" }

Should you wish to take advantage of this feature, you should capture and store this information alongside any customer records you keep on your web-site/service.

This will allow you to present the option to repeat customers to pay with their previously used card, providing key information about the card (the card scheme, and a masked version of the PAN) to provide reassurance to the customer.

To present this card back to the N-Genius Online payment page, you need only include the block of data above in the initial order creation request, before redirecting your customer to the payment page (see the Create an order and List of order input attributes sections, for more details).

savedCard: {
"cardToken": "[Base64 string]",
"cardholderName" : "Test Customer",
"expiry": "2025-04",
"maskedPan": "401200******1112",
"scheme": "VISA" }

Note: the maskedPan and scheme fields are only required in Payment Page integrations.