- Créé par Rodolphe GARIN, dernière modification le 02 mars 2023
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How to set up your account ?
You must subscribe to the "Tokenisation by schemes" option: please contact the Payline support team to update your subscription.
Consult the configuration on the Monext Online backoffice : Tokenisation configuration.
To activate a Scheme tokenisation service, you must enter a CLIENT APP ID and then request activation from Visa or Mastercard by clicking on Activate to receive a TRID.
How to integrate when the merchant delegates the management of the Card On File to Monext ?
This concerns merchants who use the Monext wallet.
Merchants who register cards or tokenPANs (=Monext tokens) in their own information system do not fall into this category.
They have to refer to the case "the merchant manages his own Card On File".
Tokenisation of a card without payment
This service allows a buyer to request the enrolment of his card in his wallet or to create a wallet if one does not exist.
You can use the Payline API
- in web page mode with the manageWebWalletRequest service
- in direct mode with the createWalletRequest service
Tokenisation of a card during a payment
The cardholder wishes to register his card in the merchant's wallet when he makes a first payment.
In this case, the payment is made with the card data and the wallet is created for future purchases.
You can use the Payline API :
- in web page mode with the doWebPayment service functions
Payment with a previously tokenised card
This use case corresponds to the payment request via a card already enrolled in VTS (Visa Token Service) or M4M (MDES for Merchants).
You can use the Payline API :
- in web page mode with the doWebPayment service functions
- in direct mode with the wallet functions of the doImmediateWalletPayment service
Payment with a previously tokenised card
This use case corresponds to the payment request via a card already enrolled in VTS (Visa Token Service) or M4M (MDES for Merchants).
You can use the Payline API :
- in web page mode with the doWebPayment service functions.
- in direct mode with the wallet functions of the doImmediateWalletPayment service.
Updating card information from Payline
This use case corresponds to a request to delete and update the card in the wallet.
This request is forwarded via Payline to the Token Requestor in the form of a suspension or update of the card in the wallet.
You can deactivate a wallet and its token, simply by deactivating the wallet: see Wallet Payment backoffice
How to integrate when the merchant manages his own Card On File ?
Making a payment with a token
To make a payment with network token when the merchant does not use the Monext wallet:
- Prerequisite: the merchant must first :
- Integrate a Token Requestor, allowing him to access VTS and M4M.
- Register with the networks and have a TRID for each.
- The merchant makes an authorisation request with the token with the doAuthorization service as described below.
- For a buyer initiated transaction (CIT):
- Ask his Token Requestor to generate a cryptogram to seal the transaction.
- Provide this cryptogram in the card.tokenRequestorCryptogram field.
- For a Merchant Initiated Transaction (MIT):
- Provide additional information in the card object below.
- For a buyer initiated transaction (CIT):
Web services
Authorisation requests work with a network token in the card.number :
- doAuthorization with additional information in the card object when requesting authorisation with a network token:
| Name | Presence (*) | Description |
|---|---|---|
| card.panType | C | Indicate the value "SCHEME TOKEN |
| card.number | M | Value with the network token rather than the PAN. |
| card.par | O | PAR provided by the network. |
card.tokenRequestorCryptogram | C | Token Cryptogram (TAVV or UCAF) calculated by the networks (present for CIT, absent for MIT). |
| card.tokenRequestorId | M | TRID assigned to the merchant by each network. |
| card.last4 | O | Enter the last 4 digits of the token. |
(*) Mandatory ; Optionnal ; Conditionnal
Brand choice
When using a network token in direct API, the merchant must indicate the brand of the token in the payment.cardBrand field.
Backoffice
Wallet: you can view the updated card in a wallet as soon as it is tokenised.
Transaction: you can find the information in the transaction details, the token and the PAN type indicator = "SCHEME TOKEN" in the card block:
How to perform tests ?
The cards eligible for tokenisation:
- in direct mode: see the test cards.
Return codes
Monext Online vous informe du résultat d’un paiement via le ShortMessage, selon le mode d'intégration proposé par le moyen de paiement. Les états retournés : La gestion des états et des codes retour sont listés ici.