Use a stored card token

Charge a stored Dintero card token for customer-initiated and merchant-initiated payments, including subscriptions, recurring billing, and one-click checkout.

Tokenization must be activated on your account before you can create or charge card tokens.

Contact your Dintero account manager to have it enabled. Until it is activated, requests that create or use a card token will fail.

Customer initiated transactions

To use the token in a new session for the same customer, put the token value in the session under customer.tokens.payex.creditcard or customer.tokens.bambora.creditcard. See create session.

payex.creditcard

{
  "url": {
    "return_url": "https://example.com/thankyou",
    "callback_url": "https://example.com/callback"
  },
  "order": {
    "amount": 29990,
    "currency": "NOK",
    "merchant_reference": "merchants_order_number"
  },
  "customer": {
    "email": "[e-mail]",
    "phone_number": "[phone]",
    "tokens": {
      "payex.creditcard": {
        "payment_token": "<token previously acquired>"
      }
    }
  },
  "profile_id": "default"
}

bambora.creditcard

{
  "url": {
    "return_url": "https://example.com/thankyou",
    "callback_url": "https://example.com/callback"
  },
  "order": {
    "amount": 29990,
    "currency": "NOK",
    "merchant_reference": "merchants_order_number"
  },
  "customer": {
    "email": "[e-mail]",
    "phone_number": "[phone]",
    "tokens": {
      "bambora.creditcard": {
        "payment_token": "<token previously acquired>"
      }
    }
  },
  "profile_id": "default"
}

dintero_psp.creditcard

{
  "url": {
    "return_url": "https://example.com/thankyou",
    "callback_url": "https://example.com/callback"
  },
  "order": {
    "amount": 29990,
    "currency": "NOK",
    "merchant_reference": "merchants_order_number"
  },
  "customer": {
    "email": "[e-mail]",
    "phone_number": "[phone]",
    "tokens": {
      "dintero_psp.creditcard": {
        "payment_token": "<token previously acquired>"
      }
    }
  },
  "profile_id": "default"
}

The response will look like this:

{
    "id": "T11223445.5cyWnV68vzJ1kYjZPrKWWm",
    "url": "https://checkout.test.dintero.com/v1/view/T11223445.5cyWnV68vzJ1kYjZPrKWWm"
}

Redirect the customer to the url for them to confirm the payment with CVC.

Recurrence transactions

To perform transactions without involving the customer, using a recurrence token, use recurring_purchase operation when calling the pay endpoint.

Swedbank Pay uses a recurrence_token for these charges. Bambora and Dintero PSP do not issue recurrence tokens, so pass the payment_token instead. See Token types.

With the access token, call Create and pay merchant initiated session with the following body:

payex.creditcard

{
  "session": {
    "url": {
      "callback_url": "https://example.com/callback?method=GET"
    },
    "customer": {
      "email": "[e-mail]",
      "phone_number": "[phone]",
      "tokens": {
        "payex.creditcard": {
          "recurrence_token": "<token previously acquired>"
        }
      }
    },
    "order": {
      "amount": 29990,
      "currency": "NOK",
      "vat_amount": 6000,
      "items": [
        {
          "line_id": "1",
          "description": "Stablestol",
          "quantity": 1,
          "amount": 29990,
          "vat_amount": 6000,
          "vat": 25
        }
      ],
      "merchant_reference": "order-1"
    },
    "configuration": {
      "auto_capture": false
    }
  },
  "payment": {
    "payment_product_type": "payex.creditcard",
    "operation": "recurring_purchase"
  }
}

bambora.creditcard

{
  "session": {
    "url": {
      "callback_url": "https://example.com/callback?method=GET"
    },
    "customer": {
      "email": "[e-mail]",
      "phone_number": "[phone]",
      "tokens": {
        "bambora.creditcard": {
          "payment_token": "<token previously acquired>"
        }
      }
    },
    "order": {
      "amount": 29990,
      "currency": "NOK",
      "vat_amount": 6000,
      "items": [
        {
          "line_id": "1",
          "description": "Stablestol",
          "quantity": 1,
          "amount": 29990,
          "vat_amount": 6000,
          "vat": 25
        }
      ],
      "merchant_reference": "order-1"
    },
    "configuration": {
      "auto_capture": false
    }
  },
  "payment": {
    "payment_product_type": "bambora.creditcard",
    "operation": "recurring_purchase"
  }
}

dintero_psp.creditcard

{
  "session": {
    "url": {
      "callback_url": "https://example.com/callback?method=GET"
    },
    "customer": {
      "email": "[e-mail]",
      "phone_number": "[phone]",
      "tokens": {
        "dintero_psp.creditcard": {
          "payment_token": "<token previously acquired>"
        }
      }
    },
    "order": {
      "amount": 29990,
      "currency": "NOK",
      "vat_amount": 6000,
      "items": [
        {
          "line_id": "1",
          "description": "Stablestol",
          "quantity": 1,
          "amount": 29990,
          "vat_amount": 6000,
          "vat": 25
        }
      ],
      "merchant_reference": "order-1"
    },
    "configuration": {
      "auto_capture": false
    }
  },
  "payment": {
    "payment_product_type": "dintero_psp.creditcard",
    "operation": "recurring_purchase"
  }
}

Unscheduled transactions

To perform transactions without involving the customer, MIT (merchant initiated) transactions use unscheduled_purchase operation when calling the pay endpoint.

With the access token, call Create and pay merchant initiated session with the following body:

payex.creditcard

{
  "session": {
    "url": {
      "callback_url": "https://example.com/callback?method=GET"
    },
    "customer": {
      "email": "[e-mail]",
      "phone_number": "[phone]",
      "tokens": {
        "payex.creditcard": {
          "payment_token": "<token previously acquired>"
        }
      }
    },
    "order": {
      "amount": 29990,
      "currency": "NOK",
      "vat_amount": 6000,
      "items": [
        {
          "line_id": "1",
          "description": "Stablestol",
          "quantity": 1,
          "amount": 29990,
          "vat_amount": 6000,
          "vat": 25
        }
      ],
      "merchant_reference": "order-1"
    },
    "configuration": {
      "auto_capture": false
    }
  },
  "payment": {
    "payment_product_type": "payex.creditcard",
    "operation": "unscheduled_purchase"
  }
}

bambora.creditcard

{
  "session": {
    "url": {
      "callback_url": "https://example.com/callback?method=GET"
    },
    "customer": {
      "email": "[e-mail]",
      "phone_number": "[phone]",
      "tokens": {
        "bambora.creditcard": {
          "payment_token": "<token previously acquired>"
        }
      }
    },
    "order": {
      "amount": 29990,
      "currency": "NOK",
      "vat_amount": 6000,
      "items": [
        {
          "line_id": "1",
          "description": "Stablestol",
          "quantity": 1,
          "amount": 29990,
          "vat_amount": 6000,
          "vat": 25
        }
      ],
      "merchant_reference": "order-1"
    },
    "configuration": {
      "auto_capture": false
    }
  },
  "payment": {
    "payment_product_type": "bambora.creditcard",
    "operation": "unscheduled_purchase"
  }
}

dintero_psp.creditcard

{
  "session": {
    "url": {
      "callback_url": "https://example.com/callback?method=GET"
    },
    "customer": {
      "email": "[e-mail]",
      "phone_number": "[phone]",
      "tokens": {
        "dintero_psp.creditcard": {
          "payment_token": "<token previously acquired>"
        }
      }
    },
    "order": {
      "amount": 29990,
      "currency": "NOK",
      "vat_amount": 6000,
      "items": [
        {
          "line_id": "1",
          "description": "Stablestol",
          "quantity": 1,
          "amount": 29990,
          "vat_amount": 6000,
          "vat": 25
        }
      ],
      "merchant_reference": "order-1"
    },
    "configuration": {
      "auto_capture": false
    }
  },
  "payment": {
    "payment_product_type": "dintero_psp.creditcard",
    "operation": "unscheduled_purchase"
  }
}