TokenPayment

Overview

The TokenPaymentRequest allows merchants to process payments using a token received from a third-party encryption or wallet service, such as Visa Checkout (VCO) or other supported providers.

This approach enables secure, low-friction checkouts, especially in mobile or embedded flows where card details are handled by a secure, trusted third party. The merchant never handles raw card data — only the encrypted token is sent to PayGate for processing.

PayGate handles the decryption, authentication, and authorisation of the tokenised transaction, and returns a full response including TransactionId, ResultCode, and TransactionStatusDescription.

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When to Use This Request

Use TokenPaymentRequest when:

• The card details have already been securely tokenised by a third-party payment service (like Visa Checkout)

• You want to bypass direct card entry on your platform

• You're building a wallet-based checkout flow or mobile integration

• You require PCI DSS scope reduction

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What You’ll Need

To initiate a successful request, you’ll need:

• A valid Token (provided by the external wallet/encryption service)

• A TokenDetail to indicate the source (e.g. VCO for Visa Checkout)

• The usual transaction details (amount, order ID, etc.)

⚠️ The token must be used shortly after it's issued. Tokens typically expire after a short duration.

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Example Providers

📘 PayGate will advise you if additional customer details must be passed through in the request.

Runtime endpoint: POST https://secure.paygate.co.za/payhost/process.trans