Obtener token (integración directa)

Se aplica a: comercios e instituciones certificados según PCI DSS

Utilice esta API para completar un pago de extremo a extremo (la verificación 3DS es obligatoria). YabandPay convierte los datos confidenciales del titular en una cadena aleatoria (un token) para eliminar la información identificativa. El token puede utilizarse para los siguientes pagos:

1. Los usuarios pueden pagar con un solo clic en la página de pago sin introducir los datos de la tarjeta de crédito.
2. Los comercios pueden utilizar este token para pagos recurrentes, cargos de suscripción y otros fines similares.

[!TIP|style:flat] Workflow

1. Active los pagos con token. Póngase en contacto con su gestor de cuenta para habilitar esta función.

2. Obtenga el consentimiento del usuario. Al habilitar pagos exprés (pagos con token) para consumidores, debe informarles claramente y obtener su consentimiento para evitar posibles disputas.

3. Get a Token. First, initiate a standard credit card transaction. YabandPay returns a url. After the user completes 3DS verification through that url, YabandPay returns the Token in an asynchronous notification using the payment_token_object parameter.

4. Inicie un pago con token. Incluya el token en la payment_token_object variable. If Token validation succeeds, YabandPay processes the Token payment. If validation fails, YabandPay returns an error. In that case, we recommend repeating this transaction flow to obtain a Token and then initiating payment again.

• Parameters

Signature example:

Sorted parameters concatenated into a URL-style query string

"3ds_initiate=01&amount=0.1&cardinfo={"card_holder":"John Smith","email":"JohnSmith@gmail.com","card_number":"4356789012345670","expiration_month":"01","expiration_year":"2023","cvc":"123"}&currency=EUR&description=test&method=v3.CreateCardPayments&notify_url=https://www.yabandpay.com/notify&operation=11&order_id=1756878556&pay_method=online&redirect_url=https://www.yabandpay.com/redirect_url&request_id=a7z1lox4l6z6mdx1udgn5gtezasze1x0&sca_exemption=LowValue&sub_pay_method=Card&time=1756878556&timeout=0&user=YOUR_CASHIER_UID"

Sign stringA using secret_key

The resulting signature is:

"YOUR_SIGNATURE"

Request example:

{
	"user": "YOUR_CASHIER_UID",
	"sign": "YOUR_SIGNATURE",
	"method": "v3.CreateCardPayments",
	"time": 1756878556,
	"data": {
		"description": "test",
		"3ds_initiate": "01",
		"timeout": "0",
		"pay_method": "online",
		"sub_pay_method": "Card",
		"operation": "11",
		"order_id": 1756878556,
		"cardinfo": "{\"card_holder\":\"John Smith\",\"card_number\":\"4356789012345670\",\"expiration_month\":\"01\",\"expiration_year\":\"2023\",\"cvc\":\"123\"}",
		"sca_exemption": "LowValue",
		"amount": "0.1",
		"currency": "EUR",
		"email": "JohnSmith@gmail.com",
        "redirect_url": "https://www.yabandpay.com/redirect_url",
        "notify_url": "https://www.yabandpay.com/notify",
		"request_id": "a7z1lox4l6z6mdx1udgn5gtezasze1x0"
	}
}

Response example:

{
    "status": true,
    "code": "200",
    "data": {
        "order_id": "YOUR_ORDER_ID",
        "trade_id": "2b2aa1af-6e97-4c01-8c52-86200bf66c82",
        "amount": "0.1",
        "currency": "EUR",
        "url": "https://pay.yabandpay.com/pay_method/Y3JlZGl0Y2FyZA==/MmIyYWExYWYtNmU5Ny00YzAxLThjNTItODYyMDBiZjY2Yzgy",
        "state": "processing"
    },
    "message": "",
    "response_id": "202409091749500451314672"
}

Additional information:

MIT & CIT :

MIT = Merchant Initiated subsequent transactions. Token payments initiated by the merchant.

CIT = Cardholder Initiated Subsequent transactions. Token payments involving the customer. When activating payments, specify whether you need MIT or CIT so the appropriate mode can be configured.

Payment result:

1. A successful request returns "status": true.

2. A failed request returns "status": false.

Redirija al cliente a la url. After entering card details and completing payment at this url, the customer is redirected to redirect_url. Recomendamos encarecidamente utilizar tanto Consulta de pedido como Notificaciones asíncronas para mantener los estados de pago precisos y actualizados.

Returned Token:

1. After the customer grants authorization and the payment succeeds, YabandPay returns payment_token_object through an asynchronous notification.

2. If the customer does not grant authorization or does not complete payment, the asynchronous notification does not return payment_token_object.

3DS low-value exemption:

Transactions within the following limits may qualify as low-value transactions. If the order amount is less than or equal to the applicable amount below, transaction code 02 (low-value exemption) may be used with approval.

Response codes: