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Payments / Accept payments / Pay with stored details

Pay with stored details

Last updated: 6th July 2022

There's no need to request your customers’ card details for every payment. Instead, you can use a stored card's source ID to securely process their subsequent payments without having to re-enter their card number. It's simple, fast, and secure!

How it works

After your customer makes an initial order, we securely store the card information as a payment instrument, each one identified by a unique ID (prefixed with src_). This source ID replaces the card number in all future payments, removing the need to re-enter and exchange sensitive payment information.

We do not store a card's CVV (the three- or four-digit number on the back of the card) in a payment instrument. If you want to run a CVV check on a payment using the source ID, you should include the CVV in your request.

Request a payment using an existing card

Endpoint

For the full API specification, see the API reference.

    post

    https://api.checkout.com/payments

    Request example

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    {
      "source": {
        "type": "id",
        "id": "src_aj4isch2q2lujekf2o4cenzrpe",
        "cvv": 100
      },
      "amount": 6000,
      "currency": "USD",
      "reference": "ORD-5023-4E89"
    }

    Response examples

    Use the approved field to check whether or not the authorization was successful ("approved": true). If your authorization was not successful, it's possible the payment used an invalid/expired card, or a valid card with an insufficient available balance.

    If you received a 202 response, the payment requires a redirect. For example, if the payment is 3D Secure.

    The possible values for the status field include Authorized, Captured, Card Verified, Declined, and Pending. Note that Pending only applies to 3D Secure payments and alternative payments.

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      {
        "id": "pay_zpg25obbkv2uld22vto2zy5b3m",
        "action_id": "act_zpg25obbkv2uld22vto2zy5b3m",
        "amount": 6000,
        "currency": "USD",
        "approved": true,
        "status": "Authorized",
        "auth_code": "876545",
        "eci": "05",
        "scheme_id": "638284745624527",
        "response_code": "10000",
        "response_summary": "Approved",
        "risk": {
          "flagged": false
        },
        "source": {
          "id": "src_aj4isch2q2lujekf2o4cenzrpe",
          "type": "card",
          "expiry_month": 9,
          "expiry_year": 2022,
          "scheme": "Visa",
          "last4": "4242",
          "fingerprint": "F31828E2BDABAE63EB694903825CDD36041CC6ED461440B81415895855502832",
          "bin": "424242",
          "card_type": "Credit",
          "card_category": "Consumer",
          "issuer": "JPMORGAN CHASE BANK NA",
          "issuer_country": "US",
          "product_id": "A",
          "product_type": "Visa Traditional",
          "avs_check": "S",
          "cvv_check": "Y"
        },
        "customer": {
          "id": "cus_hafan7x5nfru7fpcs3yto645si"
        },
        "processed_on": "2019-01-25T10:42:20Z",
        "reference": "ORD-5023-4E89",
        "_links": {
          "self": {
            "href": "https://api.sandbox.checkout.com/payments/pay_zpg25obbkv2uld22vto2zy5b3m"
          },
          "actions": {
            "href": "https://api.sandbox.checkout.com/payments/pay_zpg25obbkv2uld22vto2zy5b3m/actions"
          },
          "capture": {
            "href": "https://api.sandbox.checkout.com/payments/pay_zpg25obbkv2uld22vto2zy5b3m/captures"
          },
          "void": {
            "href": "https://api.sandbox.checkout.com/payments/pay_zpg25obbkv2uld22vto2zy5b3m/voids"
          }
        }
      }

      On this page

      How it works
      Request a payment using an existing card