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Stored payment methods

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. You can also use the stored details to implement payments where the shopper is not present in your checkout, for example subscription payments or automatic top-ups to shopper accounts.

The plugin offers two ways for storing payment details:

  • The Magento Vault: The shopper can choose express checkout by selecting an Instant purchase button right next to the product, and complete the payment without providing their CVC.
  • Adyen's billing agreements: The shopper can choose to pay with the stored payment method in your checkout. You can also ask the shopper to provide the CVC to complete the payment.

Billing agreements will not work if the Magento Vault is enabled.

Magento Vault

The Magento Vault is Magento'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. The shopper is not asked to provide their CVC when completing the payment.

Set up the Vault

Before you begin setting up the Magento Vault, contact our Support Team to enable the RECURRING_CONTRACT notification.

You then need to enable the Vault in the Magento admin panel, and set up recurring contracts in your Adyen Customer Area.

Step 1: Set up the Vault in Magento admin panel

  1. Log in to your Magento admin panel.
  2. In the left navigation bar, go to Stores > Configuration.
  3. In the menu, go to Sales > Payment Methods.
  4. Go to Stored Payment Methods.
  5. Set Vault enabled to Yes.
  6. 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 > API URLs.
  3. Select Additional data settings.
  4. Select the following fields:
    • Card summary
    • Expiry date
    • Cardholder name
    • Variant
    • Recurring details
  5. Select Save configuration in the lower-right corner.
  6. Go to Account > Checkout.
  7. Make sure that the Recurring toggle is turned On.

Making payments with stored details

When making a payment, the shopper sees a check box for saving their card details for future payments. If the shopper selects the check box, their payment details are stored. They can then use the express checkout option next time when making a payment.

Subscription payments

When making a payment with stored details, you need to pass the following values from the vault_payment_token database table:

  • shopperReference: Stored in Magento as the customer_id.
  • storedPaymentMethodId: Stored in Magento as the gateway_token.

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

Billing agreements

When using Adyen's billing agreements, the stored payment method is shown with other payment methods in your checkout. You can offer either one-click or recurring stored payment method transactions:

  • One-click transactions: To complete the transaction, the shopper needs to enter their CVC.
  • Recurring transactions: You can complete the transaction without the shopper being present.

Set up billing agreements

Before you begin setting up billing agreements, contact our Support Team to enable the RECURRING_CONTRACT notification.

You then need to set up billing agreements in the Magento admin panel, and in your Adyen Customer Area.

Step 1: Enable billing agreements in Magento admin panel

  1. Log in to your Magento admin panel.
  2. In the left navigation bar, go to Stores > Configuration.
  3. In the menu, go to Sales > Payment Methods.
  4. Go to Stored payment methods - Requires Adyen Credit Card, and fill in the following fields:

    Field Description
    Enabled Select Yes to have stored payment methods shown during checkout.
    Title The title for stored payment methods during checkout.
    Sort Order The position of stored payment methods during checkout.
    Vault Enabled Select No.
    Enable OneClick The type of stored payment method transaction you want to offer:
    • For one-click transactions, select Yes.
    • For recurring transactions, select No.
    Share billing agreements between stores For multi-store Magento webshops, this allows you to use billing agreements across different stores.
  5. 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 > API URLs.
  3. Select Additional data settings.
  4. Select the following fields:
    • Card summary
    • Expiry date
    • Cardholder name
    • Variant
    • Recurring details
  5. Select Save configuration in the lower-right corner.
  6. Go to Account > Checkout.
  7. Make sure that the Recurring toggle is turned On.

Making payments with stored details

When making a payment, the shopper sees a check box for saving their card details for future payments. If the shopper selects the check box, their payment details are stored. They can then choose to pay with the stored payment method next time when making a payment.

Subscription payments

When making a payment with stored details, you need to pass the following values from the paypal_billing_agreement database table:

  • shopperReference: Stored in Magento as the customer_id.
  • storedPaymentMethodId: Stored in Magento as the reference_id.

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

See also