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Card Tokenization

Tokenization allows you to have more control around initiating payments for users and their cards. This approach facilitates recurring and Merchant-Initiated Transaction (MIT) use-cases.

At a high-level, a tokenized payment flow involves:

  • Consent Token creation for a user's card: Card details can be specified via Stitch's Hosted UI (directly by the user) or via Stitch's Secure API. Stitch returns a consent token ID to represent the card.
  • Transaction Initiation using a previously-created consent token. For a granted consent token, you can initiate a charge against the linked card. For 3DS-enforced transactions, the user is required to perform 3DS authentication before the transaction can be processed successfully.