Create a merchant-initiated payment with a reusable XPay token that was previously collected through XPay Element and received through a verified webhook.
Before you begin
Complete Collect a payment token with XPay Element. The merchant backend must have the token ID associated with the correct customer and must authenticate the API request.
Create the tokenized payment
Send the request from the merchant backend:
POST {{base_url}}/public/v2/payment/intent/tokenized/paymentUse the token only for the customer record to which the merchant associated it. Do not obtain token values from an untrusted browser or mobile request.
Handle the result
- Store the returned PaymentIntent ID against
order-1002. - Process verified webhook updates for the payment.
- Use the PaymentIntent status to decide whether the payment needs another method, customer action, later capture, or has succeeded.
- Keep the token value out of logs and customer-facing responses.
Next steps
- Review PaymentIntent lifecycle and statuses.
- Use Refund a payment after a captured tokenized payment when a refund is required.
- See the Pay with merchant Token API for optional fields and the response schema.