Use XPay tokenization to save a customer's payment method and reuse it without collecting the card details again. XPay Element collects the card details, XPay returns the reusable token through a verified webhook, and the merchant stores the token against the correct customer record.
How tokenization works
- Create or identify the customer that owns the payment method.
- Collect a payment token with XPay Element.
- Store the token ID received at
token.idin the verified webhook payload. - Manage the customer's saved tokens from the merchant backend.
- Use the saved token in a supported payment or subscription flow.
Raw card details must remain inside XPay Element. A merchant must not create a token by sending raw card data to an XPay API endpoint.
Choose a tokenization task
- Collect a payment token with XPay Element — Create a reusable token and associate it with a customer.
- Manage saved tokens — List, retrieve, and delete a customer's saved payment methods.
- Pay with a saved token — Create a merchant-initiated tokenized payment.
- Authenticate a saved card with 3DS — Charge a saved card through customer authentication and refresh its authenticated gateway session.
- Enable a saved token on another gateway — Complete a successful 3DS payment to add another gateway to the token.