Tokenization

The request is used to get a bank card token along with the 3-D Secure verification details and then to use the token to submit either a payment or an authorization transaction.

As a result of a tokenization transaction, money isn't withdrawn from the card account. Use the received token to send a payment or authorization request.

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Request

To get a card tokenized, send a POST request to https://gateway.pay-cross.com/transactions/tokenizations with the following parameters:

Parameter	Type	Description
amount * required	bigInteger	A transaction amount in minimal currency units, for example, $32.45 must be sent as 3245.
currency * required	string	Currency in ISO-4217 format, for example, USD.
description * required	string (255)	The short description of the order.
tracking_id	string (255)	The ID of your transaction or order. Please, use unique values in order to get the correct transaction information in the response to the query request. Otherwise, you will get the first transaction that we will find with the matching tracking_id. Can be multiple values separated with semicolons. For example, "cbe59142-90af-4aea-b5a5-5bf3f66cf3da;f7883cb9-0e26-43a7-beb7-4027cb55d1a6;4a6a89d5-6950-400f". If multiple values are sent in the request, the transaction search in the back office system can be performed by any of them.
duplicate_check	boolean	The boolean parameter controls whether the payment gateway will do a duplicate check of the received requests to tokenize a card. By default, it is true and duplicate requests with the same amount and number sent within 30 seconds after the original request will be rejected.
dynamic_billing_descriptor	string	A dynamic billing descriptor.
language	string	A language of your checkout page or customer. If the parameter is set and transaction notification emails to customers are enabled, PayCross will dispatch those emails in language locale. English (en) is set by default. Possible values of language parameter.
notification_url	string	The URL where the webhook notification about a transaction will be posted. The notification request format is the same as the transaction response format.
verification_url	string	The URL where the transaction verification request will be posted. The verification request format is the same as the transaction response format.
return_url * conditionally required	string	The URL on the merchant's website to which PayCross will redirect the customer once they complete 3-D verification. Required, if your merchant account is 3-D Secure enabled.
test	boolean	If set to true, the transaction will be a test one. By default, false.
credit_card	object
number * required	string	The card number. The length is between 12 and 19 digits.
verification_value * conditionally required	string	3- or 4-digit security code (called CVC2, CVV2 or CID depending on the credit card brand). The parameter can be required depending on the shop settings and acquirer requirements.
holder * conditionally required	string (35)	The cardholder name as it appears on the card. The parameter is optional in the PayCross system but can be required by the acquirer.
exp_month * required	string (2)	Card expiration month. Must be one or two digits (for example, 01).
exp_year * required	string (4)	Card expiration year. Must be 4 digits (for example, 2026).
skip_three_d_secure_verification	boolean	The parameter enables the option for the customer to skip the 3-D Secure verification check. If true, PayCross doesn't launch the 3-D Secure verification. By default, false. The force_three_d_secure_verification parameter overrides the skip_three_d_secure_verification parameter, if both are set to true. Contact the Tech Support Team to check if you can apply this parameter. Overridden by Smart Routing rules with Skip 3ds or Force 3ds actions.
force_three_d_secure_verification	boolean	The parameter enables the option to make the 3-D Secure verification check mandatory for the customer. If true, PayCross forces the 3-D Secure verification. By default, false. The force_three_d_secure_verification parameter overrides the skip_three_d_secure_verification parameter, if both are set to true. Contact the Tech Support Team to check if you can apply this parameter. Overridden by Smart Routing rules with Skip 3ds or Force 3ds actions.
three_d_secure	object	A section with the settings to apply the advanced scenario of payment processing with 3-D Secure 2.0 verification.
advanced	boolean	Set to true to apply the advanced scenario. Otherwise, set to false.
additional_data	object	A section with additional transaction data.
receipt_text	array	A text that will be added to the customer's email. Submit it as an array of strings, for example, ["First line", "Second line"].
contract	array	An array, consisting of elements: recurring - PayCross returns a card token to be used in subsequent charges without entering the card data again. Customer agrees to be charged regularly, but initially the customer must make a payment with full card data including CVC/CVV code and pass 3-D Secure verification. oneclick - PayCross returns a card token to use it in the oneclick payment scheme. It means PayCross will open a payment page with the prefilled card data and customer will be forced to enter CVC/CVV code and pass 3-D Secure verification to complete the payment. credit - PayCross returns a card token to be used for a payout.
customer * conditionally required	object	A section of the customer information. Ask the Tech Support Team whether your acquirer requires any of the section parameters.
ip * conditionally required	string	The customer's IP address.
email * conditionally required	string	The customer's email.
device_id * conditionally required	string	The customer's device ID (desktop, smartphone, etc.).
birth_date * conditionally required	string	The customer's date of birth in the ISO 8601 format (YYYY-MM-DD).
billing_address	object	A section of the customer's address details. Contact the Tech Support Team to check if your acquirer requires any of the section parameters.
first_name * conditionally required	string (30)	The customer's first name.
last_name * conditionally required	string (30)	The customer's last name.
country * conditionally required	string	The customer's billing country in ISO 3166-1 Alpha-2 format.
city * conditionally required	string (60)	The customer's billing city.
state * conditionally required	string	The customer's two-letter billing state only if the billing address country is US or CA.
zip * conditionally required	string	The customer's billing ZIP or postal code. If country=US, zip format must be NNNNN or NNNNN-NNNN.
address * conditionally required	string (255)	The customer's billing address.
phone * conditionally required	string (100)	The customer's phone number.
travel	object	An optional section with travel related data.
airline	object	The section with airline ticket data.
agency_code	string	IATA agency code, for example, 03.
agency_name	string	Name of the agency that sold the ticket, for example, Coral travel.
ticket_number	string	14-digit ticket number. Should contain 3-digit ticketing code, 4-digit form number, 6-digit serial number, and check digit, for example, 390 5241 025377 1.
booking_number	string	For example, DKZVUA.
restricted_ticked_indicator	string	If the ticket can be returned, the field value is 0, otherwise it is 1
legs	array	An optional array of travel legs. Every leg consists of:
airline_code	string	2-letter IATA code, for example, B2.
stop_over_code	string	IATA stopover code. If a traveler stays in the originating city more than 24h, then set the field value to O or leave it empty. If the originating airport is a transit airport, then set the field value to X.
flight_number	string	For example, A3 971.
departure_date_time	string	For example, 2014-05-26T05:15:00.
arrival_date_time	string	For example, 2014-05-26T07:30:00.
originating_country	string	For example, RU.
originating_city	string	For example, Moscow.
originating_airport_code	string	3-letter IATA code, for example, DME.
destination_country	string	For example, Greece.
destination_city	string	For example, Athens.
destination_airport_code	string	3-letter IATA code, for example, ATH.
coupon	string	Coupon number if it was applied.
class	string	Class flight, 1-letter IATA code. For example, C.
passengers	array	List of passengers where every list item consists of
first_name	string	First name of the passenger, for example, KONSTANTIN.
last_name	string	Last name of the passenger, for example, IVANOV.

Example of the request

{
   "request":{
      "amount":100,
      "currency":"USD",
      "description":"Test transaction",
      "tracking_id":"your_uniq_number",
      "language":"en",
      "billing_address":{
         "first_name":"John",
         "last_name":"Doe",
         "country":"US",
         "city":"Denver",
         "state":"CO",
         "zip":"96002",
         "address":"1st Street"
      },
      "credit_card":{
         "number":"4200000000000000",
         "verification_value":"123",
         "holder":"John Doe",
         "exp_month":"05",
         "exp_year":"2026"
      },
      "customer":{
         "ip":"127.0.0.1",
         "email":"[email protected]"
      }
   }
}

Response

In the transaction section response parameters replicate request parameters except the additional ones:

Parameter	Type	Description
transaction	object
uid * required	string	A UID of the processed transaction.
status * required	string	A status of the processed transaction.
message * required	string	A processing result message.
tracking_id * required	string	The tracking_id parameter value sent in the transaction request.
language * required	string	The language parameter value sent in a transaction request or en if the parameter was omitted.
type * required	string	A transaction type.
payment_method_type * required	string	A payment method used to complete the transaction. Possible values: credit_card.
credit_card	object
brand * required	string	The detected card brand.
product * required	string	A card product type code.
last_4 * required	string	The last 4 digits of the card.
first_1 * required	string	The first digit of the card.
bin * required	string (6)	6-digit bank identification number (BIN). The first 6 digits of the card number.
bin_8 * required	string (8)	8-digit bank identification number (BIN). The first 8 digits of the card number. The value is returned for Visa, MasterCard, Maestro cards and the corresponding co-branded cards. Otherwise, null is returned.
issuer_country * required	string (2)	The country of the card issuing bank in ISO 3166-1 Alpha-2 format.
issuer_name * required	string	The name of the card issuing bank.
stamp * required	string	The card hash. It is constant even if either the expiration date or the cardholder is changed.
token * required	string	The card token. Store the token and charge returning customers or run recurring charges without customers' billing details. The token lets you save the customer's details and charge them whenever they make new purchases, or you renew their services.
three_d_secure_verification	object	A section with 3-D Secure verification results.
tokenization	object
message * required	string	A tokenization result message.
status * required	string	A tokenization status. Possible values: successful, failed.
additional_data	object	A section of detailed information about the payment.
receipt_text	array	A text that will be added to the customer email.
smart_routing_verification	object	A section of parameters of Smart Routing verification results.
status	string	Smart Routing check status for the transaction.

Example of the response

{
  "transaction": {
    "uid": "e89abc1a-1d18-4d0f-83a1-7009b333dce0",
    "status": "successful",
    "amount": 492,
    "currency": "EUR",
    "description": "Test transaction",
    "type": "tokenization",
    "payment_method_type": "credit_card",
    "tracking_id": "your_uniq_number",
    "message": "Successfully processed",
    "test": true,
    "created_at": "2024-04-02T14:32:33.946Z",
    "updated_at": "2024-04-02T14:32:35.000Z",
    "paid_at": null,
    "language": "en",
    "redirect_url": "https://gateway.pay-cross.com/process/e89abc1a-1d18-4d0f-83a1-7009b333dce0",
    "status_code": null,
    "id": "e89abc1a-1d18-4d0f-83a1-7009b333dce0",
    "credit_card": {
      "holder": "John Doe",
      "stamp": "bb58cad9c1204ca2287b3e1006cc1a2c0fb8f062dde9e5232c8be5498bd0e62a",
      "brand": "visa",
      "last_4": "1097",
      "first_1": "4",
      "bin": "401200",
      "bin_8": "40120000",
      "issuer_country": null,
      "issuer_name": null,
      "product": null,
      "exp_month": 7,
      "exp_year": 2026,
      "token_provider": null,
      "token": "e3ba5977-8705-4496-bf90-a6a93d3d31cc"
    },
    "additional_data": {
      "contract": [
        "recurring"
      ]
    },
    "smart_routing_verification": {
      "status": "successful"
    },
    "tokenization": {
      "message": null,
      "gateway_id": 3483,
      "status": "successful"
    },
    "customer": {
      "ip": null,
      "email": null,
      "device_id": null,
      "birth_date": null
    },
    "billing_address": {
      "first_name": "John",
      "last_name": "Doe",
      "address": "1st Street",
      "country": "US",
      "city": "Denver",
      "zip": "96002",
      "state": "CO",
      "phone": null
    }
  }
}