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To save a customer’s card info, you can tokenize the card and store it for future use.

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Prerequisites

Tokenization must be activated on your account before you can create or charge card tokens.Contact your Dintero account manager to have it enabled. Until it is activated, requests that create or use a card token will fail.

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Supported providers

The examples in this section use payex.creditcard, bambora.creditcard, and dintero_psp.creditcard. For the full list of payment product types that support tokenization, and the token types each one issues, see the token_provider schema.

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Token types

Swedbank Pay uses two types of tokens:
  • payment_token
  • recurrence_token
While Bambora (Worldline) and Dintero PSP use the payment token for all use cases:
  • payment_token

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Payment token

A payment token can be used to create payment where the card details will be prefilled in the checkout. The payer still has to enter the CVC to complete the purchase. The payment token can also be used to perform unscheduled purchase without involving the payer, also known as an merchant initiated transaction (MIT) For payment providers that don’t support recurrence tokens, payment tokens can be used to create recurring payments.

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Recurrence token

A recurrence token can be used to create recurring payment where you can charge a card without payer interaction. When an initial payment token is generated, subsequent payments are made through server-to-server request

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What’s next

Create a token

Create a token in advance with a zero-amount setup, or during a regular purchase.

Fetch and store tokens

Retrieve the token from the transaction and persist it securely.

Use a stored token

Charge a stored card for customer initiated and merchant initiated payments.

Error handling

Retry limits, blocked cards, and how to avoid duplicate transactions.
Last modified on August 24, 2026