Tokenize

Overview

The tokenize method stores a payment method securely at the payment processor. It replaces sensitive card data with a secure token, enabling one-click payments without PCI compliance exposure.

Business Use Case: A customer wants to save their card for faster checkout next time. Tokenize the card details to create a secure token for future use.

Purpose

Scenario	Benefit
One-click checkout	No re-entry of card details
Recurring billing	Stored methods for subscriptions
PCI compliance	No raw card storage in your system
Security	Tokens are useless if compromised

Request Fields

Field	Type	Required	Description
paymentMethod	PaymentMethod	Yes	Card or wallet details to tokenize
customerId	string	No	Associate with existing customer
metadata	object	No	Additional data (max 20 keys)

Response Fields

Field	Type	Description
paymentMethodId	string	Token ID for future use (e.g., pm_xxx)
paymentMethodType	string	card, wallet, etc.
status	string	ACTIVE
fingerprint	string	Unique identifier for this card
statusCode	number	HTTP status code

Example

SDK Setup

const { PaymentMethodClient } = require('hyperswitch-prism');

const paymentMethodClient = new PaymentMethodClient({
    connector: 'stripe',
    apiKey: 'YOUR_API_KEY',
    environment: 'SANDBOX'
});

Request

const request = {
    paymentMethod: {
        card: {
            cardNumber: { value: "4242424242424242" },
            cardExpMonth: { value: "12" },
            cardExpYear: { value: "2027" },
            cardCvc: { value: "123" },
            cardHolderName: { value: "John Doe" }
        }
    },
    customerId: "cus_xxx"
};

const response = await paymentMethodClient.tokenize(request);

Response

{
    paymentMethodId: "pm_3Oxxx...",
    paymentMethodType: "card",
    status: "ACTIVE",
    fingerprint: "abc123...",
    statusCode: 200
}

Using Tokenized Payment Methods

// Use the token in authorize
const authResponse = await paymentClient.authorize({
    merchantTransactionId: "txn_001",
    amount: { minorAmount: 1000, currency: "USD" },
    paymentMethod: {
        paymentMethodId: "pm_3Oxxx..."  // Use token instead of raw card
    },
    authType: "NO_THREE_DS"
});

Next Steps

• Payment Service - Use tokenized payment methods

• Recurring Payment Service - Set up subscriptions with stored cards