Adyen Payment: Save card token and make payment later from token

Question

Is possible to allow adyen keep creditcard details and make payments from customers on basis of token or customer id instead of credit card information. I checked adyen tokenization method,I cannot find any api documention for tokenization method(similar to stripe payment).

Any one Please suggest to me .

Answer 1

To expand on uselight's answer, you can definitely tokenize card details.

Adyen uses a shopper concept that acts as a bucket to store saved details in. This shopperReference is defined by you and any payment method that supports recurring charges can be stored against this id.

To store a credit card, first you need to accept the card details using CSE (Client Side Encryption). This will encrypt the card details on the client's browser before submitting it to your own server and allows you to have full control on how the input fields can look. Here is an example form:

<script type="text/javascript" src="https://test.adyen.com/hpp/cse/js/adyen.encrypt.js"></script>
<form method="POST" action="payment-request-handler.php" id="adyen-encrypted-form">
    <input type="text" size="20" data-encrypted-name="number"/>
    <input type="text" size="20" data-encrypted-name="holderName"/>
    <input type="text" size="2" data-encrypted-name="expiryMonth"/>
    <input type="text" size="4" data-encrypted-name="expiryYear"/>
    <input type="text" size="4" data-encrypted-name="cvc"/>
    <input type="hidden" value="[generate this timestamp server side]" data-encrypted-name="generationtime"/>
    <input type="submit" value="Pay"/>
</form>
<script>
// The form element to encrypt.
var form = document.getElementById('adyen-encrypted-form');
// See https://github.com/Adyen/CSE-JS/blob/master/Options.md for details on the options to use.
var options = {};
// Bind encryption options to the form.
adyen.createEncryptedForm(form, options);
</script>

All the fields with the data-encrypted-name attribute will be removed and replaced with a single adyen-encrypted-data. From here, your php server can use our provided php api library to perform the authorization call. To save the details for later, include the shopperEmail, shopperReference (which is the id you specify for the shopper), and the recurring.contract. The recurring contract value will generally will be RECURRING. Be sure to store the pspReference for later as this will be used to match up the saved details.

$client = new \Adyen\Client();
$client->setApplicationName("Adyen PHP Api Library Example");
$client->setUsername("[YOUR USERNAME]");
$client->setPassword("[YOUR PASSWORD]");
$client->setEnvironment(\Adyen\Environment::TEST);

$service = new Service\Payment($client);

$json = '{
  "amount": {
    "value": 999,
    "currency": "USD"
  },
  "reference": "payment-test",
  "merchantAccount": "[YOUR MERCHANT ACCOUNT]",
  "additionalData": {
    "card.encrypted.json": ' . $_POST['adyen-encrypted-data'] . '
  },
  "shopperEmail" : "wyldstallyns@email.com",
  "shopperReference" : "shopperref123456",
  "recurring" : {
    "contract" : "RECURRING"
  }
}'

$params = json_decode($json, true);

$result = $service->authorise($params);
$pspReference = $result.pspReference;

After you receive the result of AUTHORISED, you can perform a lookup of the shopperReference to get the token used for recurring charges via the listRecurringDetails call.

$service = new Service\Recurring($client);
$recurring = array('contract' => \Adyen\Contract::RECURRING);
$params = array('merchantAccount' => '[Your Merchant Account]', 
  'recurring' => $recurring, 
  'shopperReference' => 'shopperref123456'
);
$result = $service->listRecurringDetails($params);

$recurringToken = '';
foreach($result['details'] as $detail) {
    if($detail['RecurringDetail']['firstPspReference'] == $pspReference) {
            $recurringToken = $detail['RecurringDetail']['recurringDetailReference'];
    }
}

You use this recurringDetailReference to perform future charges.

$service = new Service\Payment($client);

$json = '{
  "amount": {
    "value": 999,
    "currency": "USD"
  },
  "reference": "recurring-test",
  "merchantAccount": "[YOUR MERCHANT ACCOUNT]",
  "selectedRecurringDetailReference":' . $recurringToken . '
  "shopperEmail" : "wyldstallyns@email.com",
  "shopperReference" : "shopperref123456",
  "recurring" : {
    "contract" : "RECURRING"
  }
}'

$params = json_decode($json, true);

$result = $service->authorise($params);

Hopefully this is helpful. Check out the Recurring Documentation as well.

Answer 2

It seems that you are looking for recurring payments. If so, you might want to do this, passing card details through client-side encryption:

curl -u "ws@Company.YourCompany":"YourWsPassword" \
 -H "Content-Type: application/json" \
 -X POST --data \
 '{
     "additionalData": {
        "card.encrypted.json":"adyenjs_0_1_4p1$..."
     },
     "amount" : {
         "value" : 20000,
         "currency" : "EUR"
     },
     "reference" : "Your Reference Here",
     "merchantAccount" : "TestMerchant",
     "shopperEmail" : "s.hopper@test.com",
     "shopperReference" : "Simon Hopper",
     "recurring" : {
        "contract" : "RECURRING"
     }
 }' \
 https://pal-test.adyen.com/pal/servlet/Payment/v18/authorise

To use these details later, you should submit only this data:

curl -u "ws@Company.YourCompany":"YourWsPassword" \
 -H "Content-Type: application/json" \
 -X POST --data \
 '{
     "amount" : {
         "value" : 20000,
         "currency" : "EUR"
     },
     "reference" : "Your Reference Here",
     "merchantAccount" : "TestMerchant",
     "shopperEmail" : "s.hopper@test.com",
     "shopperReference" : "Simon Hopper",
     "selectedRecurringDetailReference" : "LATEST",
     "shopperInteraction" : "ContAuth",
     "recurring" : {
        "contract" : "RECURRING"
     }
 }' \
 https://pal-test.adyen.com/pal/servlet/Payment/v18/authorise