With Adyen, you can securely store one or more payment details per shopper. This allows you to offer subscription payments, automatic top-ups to shopper accounts, and give your shoppers a faster checkout experience by using their stored card.
We refer to these saved payment details as tokens and storing a shopper's payment details as tokenization.
Benefits of tokenization
- Let shoppers store their payment details for a faster checkout experience later.
- Offer shoppers their stored payment details for later payments.
- Save payment details for a subscription or a non-fixed schedule contract.
- Submit later payments for subscriptions or for automatic top-ups to shopper accounts.
To save your shopper's payment details, you only need to pass some additional parameters when making a payment. In the first payment, we collect the payment information from the shopper and generate a token for it. The token is then sent to your server for future use. For later payments, you need to make a request with the shopper reference and the token.
Tokens are stored per merchant account by default.
You can create merchant account groups under a company account if you want a number of merchant accounts to share tokens. Reach out to our Support Team to enable merchant account groups. If you want to use this functionality, each shopper reference must be unique across all merchant accounts in the group. This is why we recommend that you always use unique shopper references.
If you want to use existing recurring contracts from another payment service provider, you can migrate and import recurring payment details to Adyen.
If you're not fully PCI DSS compliant, we recommend that you use Adyen tokens to make payments. With tokens, you can offer an improved checkout experience to your shoppers.
To collect raw card data, you need to be fully PCI DSS compliant. If you are fully PCI DSS compliant, you can either create your own token vault or store raw card data to offer faster checkout options.
To use network tokens that are issued by card networks (like Visa and Mastercard) for your payments, refer to Network tokenization.