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Tokenization

Tokenizing Payment Methods

Tokenization of payment methods secures credit/debit and bank account information by replacing the actual account number with an algorithmically generated (token) value. Token are stored within Exact's platform and used by Partners and merchants for recurring or card-on-file transactions. When paired with the Exact JS product, Partners and merchants can eliminate all card data from their internal systems which, in turn, removes that entity from the security requirements defined by PCI Data Security Standards (DSS) scope.

Exact supports (2) token products available for use:

  1. (Exact) Gateway Token: Also known as an indexing token, allows the creation of a token not only as a representation of a credit card, but also of almost any payment method including ACH. The token type is not format preserving. The Exact token can also store other data such as billing address.

  2. Network Token: Only allows credit/debit cards to be tokenized and is format preserving. There are a number of key benefits associated with network tokens including: (i) automatic account updater for expired and reissued cards on file;(ii) token portability between payment providers with no conversion required; (iii) improved authorization approval rates and (iv) reduced interchange cost on certain transaction categories.

Gateway Token

Gateway tokens are created by making a request to the platform through the API:

clients should submit a JSON request as follows:

Create Token Request
POST /tokens

"billingDetails": {
"address": {
"line1": "7272 E Indian School Rd",
"city": "Scottsdale",
"state": "AZ",
"postalCode": "85251",
"country": "USA"
},
"name": "John Doe",
"email": "[email protected]",
"phone": "4801111111"
},
"card": {
"expiry": {
"month": 9,
"year": 2024
},
"number": "4111111111111111",
"cvc": "123",
"tokenType": "gateway",+
"cvcIndicator": "not-present"
},
"type": "Visa"
}

Tokens can also be deleted or retrieved as necessary

To use a token with our Payment API, you must specify it as a payment method.

Payment Request using ExactPay Token
POST /payments

{
"paymentMethod": {
"token": "9fd22452-a8ba-424c-bcce-9deb98f272a0"
},
"amount": 100,
"capture": false,
"language": "en"
}

Network Token

Coming Soon!

Requests and payments are made using the same methods, but selecting "network" as the token type.
Note: Billing address will not be stored