> ## Documentation Index > Fetch the complete documentation index at: https://docs.dintero.com/llms.txt > Use this file to discover all available pages before exploring further. ## Submitting Feedback If you encounter incorrect, outdated, or confusing documentation on this page, submit feedback: POST https://docs.dintero.com/feedback ```json { "path": "/docs/checkout/tokenization-create-token", "feedback": "Description of the issue" } ``` Only submit feedback when you have something specific and actionable to report. # Create a card token > Create a Dintero card token either in advance with a zero-amount setup or during a regular purchase, ready to be reused for later customer or merchant payments. There are two ways of creating a card token, either in advance, without withdrawing any money, or during a purchase process. ### Creating token in advance To store a token without performing a payment, do the following: #### Authentication To authenticate, you create a [Checkout API client] and use the credentials to [Create an access token]. The same client can be used for Sandbox mode and production. For all requests to the API set the following header: ``` Authorization: Bearer {access_token} ``` [Checkout API client]: /docs/checkout/checkout-client [Create an access token]: /docs/checkout/authentication #### Create token session With the access token, call [Payment token session][payment token session] with this body: ```json theme={null} { "session": { "order": { "currency": "NOK", "merchant_reference": "order-number" }, "url": { "return_url": "https://example.com/accept", "callback_url": "https://example.com/callback?method=GET", "merchant_terms_url": "https://example.com/terms.html" }, "customer": { "email": "john.doe@example.com", "phone_number": "+4799999999" } }, "token_provider": { "payment_product_type": "payex.creditcard", "token_types": ["payment_token", "recurrence_token"] } } ``` ```json theme={null} { "session": { "order": { "currency": "NOK", "merchant_reference": "order-number" }, "url": { "return_url": "https://example.com/accept", "callback_url": "https://example.com/callback?method=GET", "merchant_terms_url": "https://example.com/terms.html" }, "customer": { "email": "john.doe@example.com", "phone_number": "+4799999999" } }, "token_provider": { "payment_product_type": "bambora.creditcard", "token_types": ["payment_token"] } } ``` ```json theme={null} { "session": { "order": { "currency": "NOK", "merchant_reference": "order-number" }, "url": { "return_url": "https://example.com/accept", "callback_url": "https://example.com/callback?method=GET", "merchant_terms_url": "https://example.com/terms.html" }, "customer": { "email": "john.doe@example.com", "phone_number": "+4799999999" } }, "token_provider": { "payment_product_type": "dintero_psp.creditcard", "token_types": ["payment_token"] } } ``` The response will look like this: ```json theme={null} { "id": "T11223445.5cyWnV68vzJ1kYjZPrKWWm", "url": "https://checkout.test.dintero.com/v1/view/T11223445.5cyWnV68vzJ1kYjZPrKWWm" } ``` Redirect the customer to the url for them to confirm their card. ### Creating token while performing a purchase To store a customer's card information during the payment process, set `generate_payment_token` to `true` in the session configuration for the relevant payment provider. When creating the session, include the `configuration` object with the provider-specific settings: ```json theme={null} { "url": { "return_url": "https://example.com/accept", "callback_url": "https://example.com/callback?method=GET" }, "customer": { "email": "john.doe@example.com", "phone_number": "+4799999999" }, "order": { "amount": 29990, "currency": "NOK", "vat_amount": 6000, "items": [ { "line_id": "1", "description": "Stablestol", "quantity": 1, "amount": 29990, "vat_amount": 6000, "vat": 25 } ], "merchant_reference": "order-1" }, "configuration": { "payex": { "creditcard": { "generate_payment_token": true, "generate_recurrence_token": true } } }, "profile_id": "default" } ``` ```json theme={null} { "url": { "return_url": "https://example.com/accept", "callback_url": "https://example.com/callback?method=GET" }, "customer": { "email": "john.doe@example.com", "phone_number": "+4799999999" }, "order": { "amount": 29990, "currency": "NOK", "vat_amount": 6000, "items": [ { "line_id": "1", "description": "Stablestol", "quantity": 1, "amount": 29990, "vat_amount": 6000, "vat": 25 } ], "merchant_reference": "order-1" }, "configuration": { "bambora": { "creditcard": { "generate_payment_token": true } } }, "profile_id": "default" } ``` ```json theme={null} { "url": { "return_url": "https://example.com/accept", "callback_url": "https://example.com/callback?method=GET" }, "customer": { "email": "john.doe@example.com", "phone_number": "+4799999999" }, "order": { "amount": 29990, "currency": "NOK", "vat_amount": 6000, "items": [ { "line_id": "1", "description": "Stablestol", "quantity": 1, "amount": 29990, "vat_amount": 6000, "vat": 25 } ], "merchant_reference": "order-1" }, "configuration": { "dintero_psp": { "creditcard": { "generate_payment_token": true } } }, "profile_id": "default" } ``` The generated payment token will be available in the transaction details after a successful payment. The generated payment token will be available in the transaction details after a successful payment. It can also be retrieved by calling get transaction details with `?includes=card.payment_token`. If recurrence tokenization is enabled for PayEx, get transaction details may also return a recurrence token with `?includes=card.recurrence_token`. See [create session] for more information. For `payex` (Swedbank Pay), it's also possible to disable CVC for returning payments if you have a dedicated agreement with Swedbank Pay. #### Save card checkbox (dintero\_psp.creditcard) When using `dintero_psp.creditcard`, you can let the customer choose whether to save their card by adding `generate_payment_token_config` with a `save_card_checkbox` setting. This displays a checkbox in the checkout UI (see image below). Payment with save card checkbox * If `generate_payment_token` is `true` and `generate_payment_token_config` is **omitted**, the card is always tokenized (no checkbox shown). * `save_card_checkbox: "opt_in"` — the checkbox is **unchecked** by default. The customer must actively check it to save their card. * `save_card_checkbox: "opt_out"` — the checkbox is **checked** by default. The customer must actively uncheck it to prevent saving. **opt\_in** — customer must actively choose to save their card: ```json theme={null} { "url": { "return_url": "https://example.com/accept", "callback_url": "https://example.com/callback?method=GET" }, "customer": { "email": "john.doe@example.com", "phone_number": "+4799999999" }, "order": { "amount": 29990, "currency": "NOK", "vat_amount": 6000, "items": [ { "line_id": "1", "description": "Stablestol", "quantity": 1, "amount": 29990, "vat_amount": 6000, "vat": 25 } ], "merchant_reference": "order-1" }, "configuration": { "dintero_psp": { "creditcard": { "generate_payment_token": true, "generate_payment_token_config": { "save_card_checkbox": "opt_in" } } } }, "profile_id": "default" } ``` **opt\_out** — checkbox is checked by default, customer must uncheck to prevent saving: ```json theme={null} { "configuration": { "dintero_psp": { "creditcard": { "generate_payment_token": true, "generate_payment_token_config": { "save_card_checkbox": "opt_out" } } } } } ``` `generate_payment_token` must be set to `true` for `save_card_checkbox` to have any effect. [create session]: /payments-api.html#operation/checkout_session_profile_post [payment token session]: /payments-api.html#operation/checkout_payment_token_session_post