Tokenization

A token is a secure reference to stored payment information inside the platform. Instead of asking your customer for their payment details again, you reuse the token — in a charge flow, a subscription or a direct transaction.

The main use case is storing credit card information, which may only be kept inside PCI certified environments — see PCI DSS. Tokens are also useful whenever the information is sensitive or unstructured and you do not want to hold it yourself.

You can find detailed information in our documentation here:
https://app-wallee.com/en/doc/payment/tokenization

In short:

• Tokenization saves sensitive payment data securely.
• One-click payment makes repeat purchases faster and smoother.
• Both boost your conversion rate and improve the customer experience.

Which payment methods support tokens?

Not all payment methods support tokenization. You can create a token for every connector that supports it. To check:

1. Open the connector list in your space.
2. Open the desired payment method (connector).
3. Check the features section to see whether tokenization is supported.

attention

Subscriptions rely on tokenization, so a connector without it cannot be used for recurring billing.

How to create a token

Tokens can be created automatically during a payment — for example for recurring payments — or manually via the Token Service of the Web Service API.

Example request to create a token:

{
  "customerEmailAddress": "test@email.com",
  "enabledForOneClickPayment": true,
  "externalId": "1",
  "state": "ACTIVE",
  "tokenReference": "test-customer"
}

How to use a token in a payment

There are two main ways to use a token:

• With the iFrame or payment page — the customer chooses their saved payment method. See Payment Page and iFrame.
• Direct charge — you include the token ID in the payment request and charge directly.

Example request using a token:

{
  "billingAddress": {
    "city": "Zurich",
    "country": "Switzerland",
    "familyName": "Test",
    "givenName": "Customer",
    "street": "Teststreet 4"
  },
  "currency": "chf",
  "lineItems": [
    {
      "amountIncludingTax": "15",
      "name": "Test",
      "quantity": "1",
      "type": "PRODUCT",
      "uniqueId": "12354"
    }
  ],
  "token": {
    "id": 1572
  }
}

Enabling one-click checkout

To allow one-click payments, make sure the following requirements are met:

• The payment method supports tokenization.
• You provide a customerId in the transaction.
• One-click mode is activated in the payment method settings.

One-click payment modes:

Mode	Behaviour
Disabled (default)	No token is created.
Force Storage	A token is always stored.
Allow Storage	The customer can choose whether to save their data.

How it works for customers

1. The customer makes a payment.
2. A token is stored securely.
3. For future orders, the system recognizes the customer via the customer ID.
4. The customer can pay with one click or choose a different method.
5. You can also charge the token directly — for example for a re-order taken by phone.

Related topics

• Charge Flows — charging a stored token when the customer is not present.
• Subscriptions — recurring billing built on tokens.