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Network tokens

Last updated: 13th January 2022

You can use Visa or Mastercard network tokens to make payments through the unified payments endpoint.

Use the details below to set up a payment request using a network token.

Endpoints

You can find the full list, as well as complete request and response examples, in our API reference.

    post

    https://api.checkout.com/payments

    Request example

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    {
    "source": {
    "type": "network_token",
    "token": "4242424242424242",
    "token_type": "vts",
    "expiry_month": "10",
    "expiry_year": "2025",
    "eci": "06",
    "cryptogram": "AgAAAAAAAIR8CQrXcIhbQAAAAAA"
    },
    "amount": 1000,
    "currency": "USD"
    }

    Response example

    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.

    A successful response will include a payment_account_reference value, which is a unique reference to the underlying card for network tokens. If the card scheme provided us with an eci value, it will be included in the response. The value indicates the security level with which the card scheme decided to authorize the payment.

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    {
    "id": "pay_k7yuyhvad5vujdl7zcb6de2qmm",
    "action_id": "act_k7yuyhvad5vujdl7zcb6de2qmm",
    "amount": 100,
    "currency": "GBP",
    "approved": true,
    "status": "Authorized",
    "auth_code": "000205",
    "eci": "05",
    "scheme_id": "17896",
    "response_code": "10000",
    "response_summary": "Approved",
    "risk": {
    "flagged": false
    },
    "source": {
    "id": "src_6h3fksgf7n4evi2cgv2vdekgua",
    "type": "card",
    "expiry_month": 6,
    "expiry_year": 2025,
    "scheme": "Visa",
    "last4": "4242",
    "fingerprint": "9F3BAD2E48C6C8579F2F5DC0710B7C11A8ACD5072C3363A72579A6FB227D64BE",
    "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": "UM",
    "cvv_check": "Y",
    "payment_account_reference": "2FCFE326D92D4C27EDD699560F484"
    },
    "customer": {
    "id": "cus_6wa6milnaqnutl3sysyjxwd4wq"
    },
    "processed_on": "2019-07-31T08:25:12Z",
    "processing": {
    "acquirer_transaction_id": "621237178574778015081",
    "retrieval_reference_number": "527881243825"
    },
    "_links": {
    "self": {
    "href": "https://qa.ckotech.co/gateway/payments/pay_k7yuyhvad5vujdl7zcb6de2qmm"
    },
    "actions": {
    "href": "https://qa.ckotech.co/gateway/payments/pay_k7yuyhvad5vujdl7zcb6de2qmm/actions"
    },
    "capture": {
    "href": "https://qa.ckotech.co/gateway/payments/pay_k7yuyhvad5vujdl7zcb6de2qmm/captures"
    },
    "void": {
    "href": "https://qa.ckotech.co/gateway/payments/pay_k7yuyhvad5vujdl7zcb6de2qmm/voids"
    }
    }
    }