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Set up tokenization

Store your shopper's payment details for later payments.

This page describes the tokenization setup for v8 of the plugin. If you are using v9.0.1 or later, see the newer documentation.

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.

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 offers two ways for storing payment details:

  • 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 v8.2.0 or earlier.

Before you begin

Choose your preferred way to set up 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.

  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 > 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.

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:

  1. Log in to your Customer Area, and switch to your merchant account.
  2. Go to Risk > Settings.
  3. Turn on Exclude recurring transactions from risk evaluation.
  4. 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.

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.

Watch how to configure tokenization:

See also