Payment by token
Payment by token allows to use a pre-registered token for making single or multiple payments without having to select a payment method and enter banking details.
In this case, a simple confirmation step is presented with a summary of the transaction (number and amount).
- The merchant site submits a payment request with reusing an alias.
The buyer checks the information displayed on the payment page, enters the CVV of their card and confirms.
When the token is associated with an expired payment method, the gateway automatically suggests to the buyer to enter the new banking details in order to perform the payment and update the associated token. - The payment gateway initiates the cardholder’s authentication process with the issuer.
- Once the authentication (challenge or frictionless) is completed, the gateway proceeds with the authorization request by providing the cardholder’s authentication details.
- The payment gateway notifies the merchant website about the result.
The gateway displays the receipt to the buyer.
If you have configured the corresponding notification rules, the buyer will receive an e-mail with payment confirmation.