---
# System prepended metadata

title: Token Payment

---

[УКР](https://hackmd.io/U6K080xgRw62OXEMXq7EbA) | ENG
![](https://i.imgur.com/ULmPUgP.jpg)


# Token Payment

:::info
[TOC]
:::

*What is "Server-Server card payment" and how the sender is authenticated, see in the section "[Server-Server Card Payment](https://hackmd.io/83UDlVHPRf2CxEBCi6ECBg)".*


## What is Token Payment?

**Token payment** is the debiting of funds from the client's card without re-entering the card details. Partner gets a unique card token during the first client payment for goods/services on the website. In subsequent transactions, the client does not need to re-fill the card details. For the operation execution, it is enough to transmit the card token in the request. The token is stored on the Operator's server.


:::warning
For payments by card token, the Partner must have a confirmed [PCI DSS](https://en.wikipedia.org/wiki/Payment_Card_Industry_Data_Security_Standard) (Payment Card Industry Data Security Standard) certificate of the appropriate level, depending on the number of operations per year.
:::


## Card tokenization

Card tokenization takes place in two cases:

1. By paying via [Checkout](https://hackmd.io/B7V3CnG2QUKI6Qr820GHkA) plus with the card tokenization option enabled on the Operator's side. After successful payment, the Partner gets the client's card token in the "pay" request with `card_token` parameter.
2. By calling Operator's [frame](https://hackmd.io/E9WaRxogSAqH6siPG0ovjA) for the client entering card data, that is tokenized and stored on the Operator server. 

:::info
For further interaction with the client, the Partner can re-request the stored card token by the requests [[20400/20410]](https://hackmd.io/Xd9OZWXARcSZRTCsu-1jrw).
:::


## Related Requests

[[104021] Card Payment by Token](https://hackmd.io/I4FJ0d0eStuvfqG2YmS8IQ)
[[104121] Auto Debit by Token (MOTO Operations)](https://hackmd.io/X4ImobdtSJ-Hy1qM-p7PWA)

**Get Card Data** 

[[20400/20410] Get Card Data by Phone Number](https://hackmd.io/Xd9OZWXARcSZRTCsu-1jrw)
[[20404] Get Card Data by Token](https://hackmd.io/PSdh1ldNSmmJMR4OIhM_-Q)


![](https://i.imgur.com/17gAyWb.png)
:arrow_left: [XPAY API Guide](https://hackmd.io/QA2NYRliRLGviJl5P4-ZCw)
:arrow_left: [XPASS API Guide](https://hackmd.io/pa6TRNZTTa67jO_qYDuRBQ)
:arrow_left: [General API Integration Information](https://hackmd.io/ijxPm0xtTpycgTjuU_NHQQ)

<details>
<summary>XPAY Support</summary>
</br>

Phone: +38 093 891 92 00
Email: info@xpay.com.ua
Telegram: @xpaysupportbot
</details>