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Set up tokenization

Store your shopper's payment details for later payments.

Adyen's plugin allows you to securely store the payment details of shoppers, giving your returning shoppers a faster checkout experience. We refer to these saved payment details as tokens and storing a shopper's payment details as tokenization.

Tokenization can be done for card and SEPA payments. For additional payment methods to be stored, request a new feature on our GitHub page.

The plugin offers two ways for storing payment details:

  • The Adobe Commerce Vault: The shopper can choose express checkout by selecting an Instant purchase button right next to the product. The shopper will be asked to provide their CVC to complete the payment.
  • Adyen Tokenization: The shopper can choose to pay with a stored payment method during checkout. The shopper will be asked to provide their CVC to complete the payment.
    Adyen Tokenization is known as Billing agreements in plugin versions 8.2.0 and earlier.

Watch how to configure tokenization:

Adobe Commerce Vault

The Adobe Commerce Vault is Adobe Commerce's built-in way of implementing stored payment methods. The Vault allows the shopper to choose express checkout by selecting the Instant purchase button right next to the product.

Step 1: Set up the Vault in Adobe Commerce admin panel

  1. Log in to your Adobe Commerce admin panel.
  2. In the left navigation bar, go to Stores > Configuration.
  3. In the menu, go to Sales > Payment Methods.
  4. Go to Configure payment methods > Card Tokenization, and fill in the following fields:
Field Description
Enabled Select Yes to enable card tokenization.
Mode Select Adobe Commerce Vault.
Title The title for stored payment methods during checkout.
Sort Order The position of stored payment methods during checkout.
  1. Select Save Config in the upper-right corner.

Step 2: Set up recurring contracts in Adyen Customer Area

  1. Log in to your Customer Area, and switch to your merchant account.
  2. Go to Developers > Additional data.
  3. Under Card, select the following fields:
    • Cardholder name
    • Card bin
    • Card summary
    • Expiry date
    • Variant
  4. Under Payment, select the following field:
    • Recurring details
  5. Select Save configuration.

Making payments with stored details

When making a payment, a Save for my next payment checkbox will appear to the shopper. If the checkbox is selected, their payment details will be securely stored. The shopper can use their saved details when making another payment, for a faster checkout experience.

Subscription payments

Adyen's tokens are valued for automatic subscription payments. However, there is no functionality native to Adobe Commerce that supports automatic transactions where the shopper is not present. Implementing subscription payments therefore requires additional integration effort.

The tokens involved in making a payment with stored details are stored in the vault_payment_token database table:

  • shopperReference: Stored in Adobe Commerce as the customer_id.
  • storedPaymentMethodId: Stored in Adobe Commerce as the gateway_token.

For more information on how to implement automatic subscription payments with Adyen's API, refer to our Tokenization guide.

Adyen Tokenization

Adyen Tokenization will not work if the Adobe Commerce Vault is enabled.

Adyen Tokenization enables secure one-off transactions, as the shopper will be asked to provide their CVC when completing the payment. When using Adyen Tokenization, the stored payment method is shown with other payment methods during checkout.

Set up Adyen Tokenization

Before you begin setting up the Adobe Commerce Vault, you need to enable RECURRING_CONTRACT webhooks. Then do the following:

Step 1: enable Adyen Tokenization in Adobe Commerce admin panel

  1. Log in to your Adobe Commerce admin panel.
  2. In the left navigation bar, go to Stores > Configuration.
  3. In the menu, go to Sales > Payment Methods.
  4. Go to Configure payment methods > Card Tokenization, and fill in the following fields:
Field Description
Enabled Select Yes to enable card tokenization.
Mode Select Adyen Tokenization.
Token Type Select CardOnFile or Subscription, depending on how the token will be used. For more information, see our FAQ.
Title The title for stored payment methods during checkout.
Sort Order The position of stored payment methods during checkout.
Share Adyen Tokens between stores For multi-store Adobe Commerce webshops, this allows you to use adyen tokens across different stores.
  1. Select Save Config in the upper-right corner.

Step 2: set up recurring contracts in the Adyen Customer Area

  1. Log in to your Customer Area, and switch to your merchant account.
  2. Go to Developers > Additional data.
  3. Under Card, select the following fields:
    • Cardholder name
    • Card bin
    • Card summary
    • Expiry date
    • Variant
  4. Under Payment, select the following field:
    • Recurring details
  5. Select Save configuration.

Making payments with stored details

When making a payment, a Save for my next payment checkbox will appear to the shopper. If the checkbox is selected, their payment details will be securely stored. The shopper can use their saved details when making another payment, for a faster checkout experience.

For more information on one-off payments, see our Tokenization Guide.

See also