Pay with token
Last updated
Last updated
Only apply for Domestic or International card.
APIOperation = PAY; sourceOfFund = TOKEN
Use Token created in and apiOperation = PAY to pay
High Security: Uses tokenization instead of card data to protect sensitive information and reduce data breach risks.
Streamlined Payments: Customers don’t need to re-enter card details, making transactions faster.
Reduced Declines: Network Tokens can auto-update when card changed (only apply for International Card), ensuring more stable transactions.
Supports Recurring Payments: Easily handles recurring transactions without re-verifying card details.
PCI DSS Compliance: Lowers compliance burdens, saving time and costs on security requirements.
The following sample of customer journey is for Integration method = MERCHANT HOSTED CHECKOUT and payment method = DOMESTIC CARD:
Customer completes order information and initiates a transaction with a payment method (for example, DOMESTIC Card). API Operation = PAY_WITH_CREATE_TOKEN
Customer enters card information: Card number, Card holder name, card issue date/expired date. Then clicks "Submit" to proceeds to complete the payment.
After the credentials are entered, and the payment flow is launched, the user is navigated through a secured Galaxy Pay environment that reflects the transaction ID.
The flow takes the user to the login ACS page of the bank, where the user needs to complete the transaction by using the OTP sent by the bank to the registered mobile number.
The customer is shown (failed/successful) on merchant website based on the transaction status from Galaxy Pay
Save Token from IPN callback
Customer completes order information and initiates a transaction with a payment method (for example, DOMESTIC Card). API Operation = Pay, SourceOfFund = Token
Customer enters token (created in Step 1) and clicks "Submit" to proceeds to complete the payment.
After the credentials are entered, and the payment flow is launched, the user is navigated through a secured Galaxy Pay environment that reflects the transaction ID.
The flow takes the user to the login ACS page of the bank, where the user needs to complete the transaction by using the OTP sent by the bank to the registered mobile number.
The customer is shown (failed/successful) on merchant website based on the transaction status from Galaxy Pay
See integration detail in
Step 1: Use API to create token
Step 2: Use Token created in step 1 and API (Pay with token) to pay