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Tokenize Payment Information


Overview

After the payment information is secured in a JSON Web Encryption (JWE) data object, it can be tokenized. Use the resulting transient token within APIs in place of the payment information associated with it, using your API Reference Sandbox.

To tokenize the payment information, send the encrypted payment data to the /tokens API endpoint. The API responds to the request with a transient token in the form of a JSON Web Token (JWT).

Endpoints

Send an unauthenticated POST request from your customer's device or backend system to the /tokens API endpoint.

POST /flex/v2/tokens

POST /flex/v2/tokens

The resource returns a transient token that represents the supplied customer card data. The token can replace the payment information in any follow-on services.

Tokens API Request Payload

The payload for the /tokens request is a JWE data object.

Example

eyJraWQiOiIwMFN2SWFHSWZ5YXc4OTdyRGVHOWVGZE9ES2FDS2MxcSIsImVuYyI6IkEyNTZHQ00iLCJhbGciOiJSU0EtT0FFUCJ9.juQDhF5XcZ1rDbupn1nZ1qHhephzWpa8FumH4KrsD0yF1tCOD0L8WfpSyd5VGIewb4I1IipmSB5vV0O3Cb6FrNLipjFq-oexFRwSK92NbB88ySFO-7FyvPddiqaQFkA81xn8nwdoHMwUsQuqe8Ts_krLsvYghmscxXKkwcEKqxoWbmD-yEfvKxGyHACLprAKLm-xusexaJLF42OTxYuEhzzrSe6MRll0zXuk2DAhtUL2oHCgu8P3shgJBJqsOPcAFtwtLBRoDwlDt0ybOHjd34Svbpgf_3ncFnDkEQYe5QeElEHaB2a0Nbwo61I1UETfhedHQc8IMtDmVuKk9pgCTg.uWrwGp2jZxZd5wF0.oFzZ3I2ry77jf-3wB_2q8G-0tbYJWQj88NdzRmVNO34JbreX5WOCju7ntvN8h83NJXEA_cQech2PEGIZV_tADBaLbSxJeitYKwaQhs_tRVrzrcd8Qhgs4OADfky2m310eV8bUG8D4GZBKRHL6ScLf5p30b6Hoa5fDYsU7IHNyCReiaiGPExlY4luwL9QQxrfY2LTv74Pcqyh-B4byNxR5hTw3SJm7DT7YQLl6_-2ROqJhJoweTdDJtmJoM-LxKEij2TLgHBdqso9f036dfn0SHLl1vG86C1-6DA9yFIZB3gLYnyom1jZuGxUOPXDojUfXo0OpUj8OI6CnQWdhKpC9X19s8xAhIAUYYdvWrEqFfBzd9S-4E-ZdyUGfxG7fLQuLZKQJeYBbGCssLGSIXLOb15sKOopIgqCTU7M5EN_F7zW0IwJ4-b8OVf_J80-hW1e043RlzBoMr3aGdXFIaLmVbEIzTNeZrulYTTWWLbQlcLTXqAM0yFlKmIrpq55VruvVR8i_iju5MFzzTYuLut9ecvYbFFeUkUaUBihNXg4Np57Ix23gaJuMcPBgUqkH3nCTZQE7yQOynzO-lho_jAHy1xcwV_DJhhAJnACO5HUDAjVKmr-GKqxvDZWVzrqjFkPArX81eRSnn9Dr2Ahozehn9FTB37AJV3BEC2i7WMvAbQE1EpPVGTdvVDhH2xlLAHqHTBeQakzY4e81h2L3EDCmdjx_yZdZOUUSG3mLQSp864OV5pHc2X22ZRadGbrLwnA-m2W1oDZIzh2t5nZdJhePnNzHbNXTf0xWSklxdgJdfG52FVSH-cKiJQnDhmCH6nPVK7NKnL0vRuZ-uuOa4PJQDoT2H8eSjpvo8fo9rwfLYmQJa042t7OSE95bER9k1oJTUm83LNA3bxhWk5en2UFgcip3z3KlOmFwPLVNCpzitULzAEHwBJlrB0aGXkQi1bJMxo9XZNREnFyYAlX3-aruXIe47pwAyOEX-hd-3Y7UsxBVYB86se51q2-VUldR0zj6cwZvrTxhFM_gAsD0HisAGa6E3n3n3w1JAvjuZdHRoQqaT00YFmTdSbocmTOEUammYmBjagKKycOzgmoZSaYpffQl_R06tEZke6uhJrPQuTwLwivZMtnWE8O16VIRX4cG3OfzaRYs0GvPWumDlrSbM8FugMIEaUTng5T9CdkixegRmszDELzNjNTJLe2WwxJG4Kb_1-yGMRlhFys4FEwVMk8AWJJRDpwG0jdmHkBz9l7z1PFdIcidbIpmgH7m5RD6kwRSxaG_BJWDc2IkIFyNa2G_-gHjQh_utablUOL9CXxxFCKD9UHojtsHneFt1bhV2P_sfYYhtZo5XloKAAEXqmOSY2boYyj0hMlKNuVqukrnWG6-bV-LBf9DvpYNKO9YeU6rYD_WOxSQlliqVvEK8n9xLCmQQKsK2Xj2WGh7wWTQTMh18hcsNENN3Loq9DofAbOrCXqdREAshxg_MOI5vGe0JvIR9Gj6kAhKGFf2DYBqMynbb9jWJnjCzFXBCqXXjTOuCoZdzlV9RbLxIBOOojIfLfdtVLGKPLKizXaSQ8YrLiBATarkpO7WFSSF66lvezwDZlfDErA-0kij1n2poKqDLYL3vNfX8vU33ef96VQc9I3auTpiWd0NLa5yw0RWREAjqa4pHYTEZDiLcD0vETt84_aon3U7co_8fAYrztokTIJ2ORuhN_xA0rV1MbOZIwW6m-duqYLFLQlcwjxNwTdaberNy6bCg9otljd5l7nSbzZ6UpHrHDF02LrM41NmQUx9tZFHypYjFdgiKKgqk-kTe3pq6ithsTPvcDvDkNgCSb9H_X30qm2-0VXaGIcYBcmJdsbBt7VJuYVZ1I_2l4-_6glgvgQz9d5KaHyZeJimSXqOsbqUQzNKWC7_K81Z5XmqCPJByrOiROkO6iEe_poqRgVzHETHYmstAzUlgUvPD3XocZdlHuPHArQe6GddVmxnhTDV1M0TmXwK03f0jGg7LMjWjU1k15X8xYZTk_HMo76IetUOdf9BIoaMBqMHJkk936uzjIeiW1DbEb4ExLtpIeSoq_fnelAWoVEDMa_XoVkWCR5R7wTJjGyZKjJJkJ6UqYQguS9oO95MZp8N0Qa41wKCvztLbFKtEU7sPz3pU5oUVbn9cZS7WCzCUNWGxb3PO0nTzPsP_MhD71JcuAEFSLS05m1hkoNiYe_6pmLv8Rrgp71kFsTOIOUrcUvwdJRikDOLdNbO5b-_6HjczDPzx9PaM_Zn-34mfOQPthWAfum3YvpmthuKxAWfdBChZXe9oCMeBGewGl7mKMh9H5SP6su5yw-IFe7iBd338LVVPjRXif1rNsU631YXBu9Lz-l6o4cuGuYPVHPhHf4lifFXvlvi702wD7fbYn3cZ55_yGVJvcFPq6OMUGJUSy5ncj-n7a8-IcGmSFpMtgnMc1ycJa_0N1vtwyjm0WvdzkUrBNC_OoCmHlLaG3XTRenL_WYhzxDUdQQBuSC3acFu28x3NL8cmR5iqy7sBGUKcwt_ogX9ZoQyFzUTFOw.QqKIuF8EnuhOTM8PvGEs8A

Tokens API Response Payload

eyJraWQiOiIwMFN2SWFHSWZ5YXc4OTdyRGVHOWVGZE9ES2FDS2MxcSIsImFsZyI6IlJTMjU2In0.eyJpc3MiOiJGbGV4LzAwIiwiZXhwIjoxNjE0NzkyNTQ0LCJ0eXBlIjoiYXBpLTAuMS4wIiwiaWF0IjoxNjE0NzkxNjQ0LCJqdGkiOiIxRDBWMzFQMUtMRTNXN1NWSkJZVE04VUcxWE0yS0lPRUhJVldBSURPSkhLNjJJSFQxUVE1NjAzRkM3NjA2MDlDIn0.FrN1ytYcpQkn8TtafyFZnJ3dV3uu1XecDJ4TRIVZN-jpNbamcluAKVZ1zfdhbkrB6aNVWECSvjZrbEhDKCkHCG8IjChzl7Kg642RWteLkWz3oiofgQqFfzTuq41sDhlIqB-UatveU_2ukPxLYl87EX9ytpx4zCJVmj6zGqdNP3q35Q5y59cuLQYxhRLk7WVx9BUgW85tl2OHaajEc25tS1FwH3jDOfjAC8mu2MEk-Ew0-ukZ70Ce7Zaq4cibg_UTRx7_S2c4IUmRFS3wikS1Vm5bpvcKLr9k_8b9YnddIzp0p0JOCjXC_nuofQT7_x_-CQayx2czE0kD53HeNYC5hQ

Validating the Transient Token

After receiving the transient token, validate its integrity using the public key embedded within the capture context created at the beginning of this flow. This verifies that issued the token and that no data tampering occurred during transit.

Example: Capture Context Public Key

{  "jwk": {    "kty": "RSA",    "e": "AQAB",    "use": "enc",    "n": "3DhDtIHLxsbsSygEAG1hcFqnw64khTIZ6w9W9mZNl83gIyj1FVk-H5GDMa85e8RZFxUwgU_zQ0kHLtONo8SB52Z0hsJVE9wqHNIRoloiNPGPQYVXQZw2S1BSPxBtCEjA5x_-bcG6aeJdsz_cAE7OrIYkJa5Fphg9_pxgYRod6JCFjgdHj0iDSQxtBsmtxagAGHjDhW7UoiIig71SN-f-gggaCpITem4zlb5kkRVvmKMUANe4B36v4XSSSpwdP_H5kv4JDz_cVlp_Vy8T3AfAbCtROyRyH9iH1Z-4Yy6T5hb-9y3IPD8vlc8E3JQ4qt6U46EeiKPH4KtcdokMPjqiuQ",    "kid": "00UaBe20jy9VkwZUQPZwNNoKFPJA4Qhc"  }}

Use the capture context public key to cryptographically validate the JWT provided from a successful /tokens call.

You might have to convert the JSON Web Key (JWK) to privacy-enhanced mail (PEM) format for compatibility with some JWT validation software libraries.

Last published: October 28, 2026

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