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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, Amazon Pay, Google Pay, Apple Pay, SEPA, Klarna, PayPal, iDEAL, Payconiq by Bancontact and in-person payments. For additional payment methods to be tokenized, request a new feature on our GitHub page.

How it works

When a shopper is making a payment, a Save for my next payment checkbox will appear. If the checkbox is selected, shopper payment details will be securely stored. The plugin uses the Adobe Commerce Vault to store the token information.

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.

Requirements

Enable RECURRING_CONTRACT webhooks in your Customer Area.

Step 1: Set up the Vault in Adobe Commerce

Log in to your Adobe Commerce admin panel.
In the left navigation bar, go to Stores > Configuration.
In the menu, go to Sales > Payment Methods.
Select Configure next to Adyen Payments.
Go to Payment Optimization > Tokenization and fill in the following fields for each payment method you want to tokenize:

Field	Description
Payment method	The payment method that you want to tokenize.
Enabled	Select Yes to enable tokenization for the payment method.
Recurring Processing Model	Set to CardOnFile, UnscheduledCardOnFile, or Subscription depending on how you want to use tokenization.
Require CVC for card payments	Whether your shoppers are required to provide the CVC for payments with stored card details. Default is Yes. When set to No, processing recurring card payments require additional configuration on our end. Reach out to our Support Team to set this up.
Allow multistore tokens	Select Yes to allow shoppers to use their tokenized payment details from a different Magento storefront when making a payment.

If you want to use more than one type of Recurring Processing Model, complete your set up with the type that is most relevant for your business. In the subsequent transactions, you can specify another applicable type.

Select Save Config in the upper right corner.

Step 2: Set up recurring contracts in Adyen

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

Step 3 (optional): Configure risk settings in Adyen Customer Area

Optionally, you can apply risk rules to tokenized payments. To configure risk settings that apply to tokenized payments:

Log in to your Customer Area, and switch to your merchant account.
Go to Revenue & risk > Settings.
Turn on Exclude recurring transactions from risk evaluation.
Turn off IP-based risk checks for recurring transactions and Velocity risk checks for recurring transactions.

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.

Shopper tokens are stored in the vault_payment_token database table. For each token, this table includes:

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.

In-person payments

If you want to save the payments details for payments made in-person, set up recurring payments for In-person payments.