How to use TokenEx universal tokens

This recipe helps you to combine TokenEx's universal tokens with IXOPAY platform's payment orchestration, enabling you to seamlessly integrate your existing TokenEx tokenization setup with IXOPAY platform's flexible payment orchestration capabilities.

Let's dive into the recipe and equip you with the combined strength of TokenEx and the IXOPAY platform to elevate your payment processing capabilities.

Prerequisites

Before diving into the recipe, make sure you have the following prerequisites in place:

Set up your accounts

Ensure your accounts are set up correctly before proceeding:

1. Activate your TokenEx account: Ensure you have an active TokenEx account with access to the Universal Token Transaction API. Familiarize yourself with TokenEx's tokenization services and ensure that you have existing tokens stored within your TokenEx account.
2. Set up your IXOPAY platform account: If you haven't already, create an account with IXOPAY platform and configure it to work with your preferred payment service provider (PSP). Make sure to set up your IXOPAY platform integration settings, including API keys and endpoint URLs, to enable communication with TokenEx.

PCI API access

Using TokenEx universal tokens with IXOPAY platform requires that your account is activated for use with the PCI Transaction API. Confirm that your TokenEx account is activated for use with the PCI Transaction API. This activation typically occurs during the setup of your IXOPAY platform account by your TokenEx representative.

Recipe

Step 1 - Gather your credentials

To proceed with the integration, you'll need credentials for authentication with both TokenEx and IXOPAY platform. Here's a breakdown of the required credentials:

Variable	Credential	Description
$TOKENEX_ID	TokenEx ID	Used for the TokenEx iFrame integration and the TokenEx Universal Token Transaction API.
$TOKENEX_IFRAME_SECRET	TokenEx iFrame customer secret key	Required for the TokenEx iFrame integration.
$TOKENEX_API_KEY	TokenEx API key	Necessary for accessing the TokenEx Universal Token Transaction API.
$API_KEY	IXOPAY platform connector API key	Identifies the connector within the IXOPAY platform.
$SHARED_SECRET	IXOPAY platform connector shared secret	Used for calculating the signature.
$USERNAME	IXOPAY platform API user username	Used for authentication within the IXOPAY platform.
$PASSWORD	IXOPAY platform API user password	Required for authentication within the IXOPAY platform.

Ensure you have all these credentials handy to seamlessly follow the integration recipe.

Step 2 - Tokenize using the TokenEx iFrame

Follow the documentation over at docs.tokenex.com — TokenEx iFrame. Here are some recommendations:

• We recommend using the PCI w/ CVV Configuration. However, you can continue using any existing token scheme you've already set up.
• If you use existing tokens, tying a CVV to the token might be necessary for transactions. In that case employ the TokenEx iFrame in CVV Only Mode Configuration.

Retrieve the token from the iFrame by calling the tokenenize() function. Store the returned token, which we'll reference as $TOKENEX_TOKEN throughout the recipe.

Step 3 - Build your request according to the IXOPAY platform specification

Similar to the Hosted fields — payment.js integration, construct a request to the IXOPAY platform.

Send cardData instead of a transactionToken.

• The pan field should be the TokenEx token ID instead of the actual PAN.
• The cvv field can either be:
  • The actual CVV, or
  • Any non-numeric, non-null value will attempt CVV retrieval from the TokenEx universal token.
• For tokenized ACH bank account numbers, put the TokenEx token ID in the extraData.accNum field to detokenize them.

Intermediate step

This step serves as an essential intermediary stage. Please be aware that the example provided below is intended as a guide and will not function correctly in its current form due to the following reasons:

• The cardData.pan field needs to contain the actual PAN instead of the TokenEx token ID.
• The PCI Transaction API requires a signature to be included with the request, which is calculated by the platform when using TokenEx’s Universal Token Transaction API.
• To ensure proper functionality, include a valid X-Signature header as per the documentation.

curl

curl --request POST -sL \
  --url "https://secure.ixopay.com/api/v3/transaction/${API_KEY}/debit" \
  --header 'Content-Type: application/json' \
  --header 'Accept: application/json' \
  --header "Authorization: Basic $(echo -n "$USERNAME:$PASSWORD" | base64)" \
  --data-raw "$(cat <<JSON
  {
    "merchantTransactionId": "your-unique-identifier",
    "cardData": {
      "cardHolder": "Alex Smith",
      "pan": "$TOKENEX_TOKEN",
      "cvv": "-",
      "expirationMonth": "11",
      "expirationYear": "2029"
    },
    "description": "Purchase description shown on credit card statement.",
    "amount": "9.99",
    "currency": "EUR",
    "successUrl": "https://shop.example.org/checkout/success",
    "cancelUrl": "https://shop.example.org/checkout/cancelled",
    "errorUrl": "https://shop.example.org/checkout/error"
  }
  JSON
  )"

Python

import requests
import json
import base64
import os

url = "https://secure.ixopay.com/api/v3/transaction/{apiKey}/debit".format(
    apiKey=os.environ["API_KEY"]
)
auth = base64.b64encode("%s:%s" % (os.environ["USERNAME"], os.environ["PASSWORD"]))
tokenex_token = os.environ["TOKENEX_TOKEN"]

payload = json.dumps(
    {
        "merchantTransactionId": "your-unique-identifier",
        "cardData": {
            "cardHolder": "Alex Smith",
            "pan": "%s" % (tokenex_token),
            "cvv": "-",
            "expirationMonth": "11",
            "expirationYear": "2029"
        },
        "description": "Purchase description shown on credit card statement.",
        "amount": "9.99",
        "currency": "EUR",
        "successUrl": "https://shop.example.org/checkout/success",
        "cancelUrl": "https://shop.example.org/checkout/cancelled",
        "errorUrl": "https://shop.example.org/checkout/error"
    }
)
headers = {
    "Content-Type": "application/json",
    "Accept": "application/json",
    "Authorization": "Basic {auth}".format(auth=auth),
}

response = requests.request("POST", url, headers=headers, data=payload)

PHP

<?php

$curl = curl_init();

$auth = base64_encode("$USERNAME:$PASSWORD");
$tokenExToken = $_REQUEST['tokenex-token'];

curl_setopt_array($curl, array(
  CURLOPT_URL => "https://secure.ixopay.com/api/v3/transaction/$API_KEY/debit",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'POST',
  CURLOPT_POSTFIELDS => <<<EOD
  {
    "merchantTransactionId": "your-unique-identifier",
    "cardData": {
      "cardHolder": "Alex Smith",
      "pan": "$tokenExToken",
      "cvv": "-",
      "expirationMonth": "11",
      "expirationYear": "2029"
    },
    "description": "Purchase description shown on credit card statement.",
    "amount": "9.99",
    "currency": "EUR",
    "successUrl": "https://shop.example.org/checkout/success",
    "cancelUrl": "https://shop.example.org/checkout/cancelled",
    "errorUrl": "https://shop.example.org/checkout/error"
  }
  EOD,
  CURLOPT_HTTPHEADER => array(
    'Content-Type: application/json',
    'Accept: application/json',
    "Authorization: Basic $auth"
  ),
));

$response = curl_exec($curl);

curl_close($curl);

Java

String tokenExToken = req.getParameter("tokenex-token");

OkHttpClient client = new OkHttpClient().newBuilder().build();
RequestBody body = RequestBody.create(
  MediaType.parse("application/json"),
  "{" +
    "\"merchantTransactionId\": \"your-unique-identifier\"," +
    "\"cardData\": {" +
      "\"cardHolder\": \"Alex Smith\"," +
      "\"pan\": \"" + tokenExToken + "\"," +
      "\"cvv\": \"-\"," +
      "\"expirationMonth\": \"11\"," +
      "\"expirationYear\": \"2029\"" +
    "}," +
    "\"description\": \"Purchase description shown on credit card statement.\"," +
    "\"amount\": \"9.99\"," +
    "\"currency\": \"EUR\"," +
    "\"successUrl\": \"https://shop.example.org/checkout/success\"," +
    "\"cancelUrl\": \"https://shop.example.org/checkout/cancelled\"," +
    "\"errorUrl\": \"https://shop.example.org/checkout/error\"" +
  "}"
);
String auth = Base64.getEncoder().encodeToString(
  "%s:%s".format(System.getenv("USERNAME"), System.getenv("PASSWORD")));
Request request = new Request.Builder()
  .url("https://secure.ixopay.com/api/v3/transaction/%s/debit"
    .format(System.getenv("API_KEY")))
  .method("POST", body)
  .addHeader("Content-Type", "application/json")
  .addHeader("Accept", "application/json")
  .addHeader("Authorization", "Basic %s".format())
  .build();
Response response = client.newCall(request).execute();

Step 4 - Proxy the request to the TokenEx Universal Token Transaction API

In this step, instead of directly sending the request to IXOPAY platform, we'll proxy it through the TokenEx Universal Token Transaction API for detokenization and processing.

1. Update the endpoint URL: Replace the endpoint URL in your request with the Universal Token Transaction API's detokenize endpoint.

   • Production: https://paymentservices.tokenex.com/transaction/pci/$API_KEY/{transactionType}
   • Test: https://test-paymentservices.tokenex.com/transaction/pci/$API_KEY/{transactionType}
   
   
   PCI-enabled connectors

   For PCI-enabled connectors the API endpoint for the TokenEx Universal Token Transaction API is …/transaction/pci/…. For connectors that aren't PCI-enabled, use the endpoint …/transaction/…

2. Include TokenEx Universal Token Transaction API headers: Add the required headers for the TokenEx Universal Token Transaction API.

   • tx-tokenex-id: $TOKENEX_ID: Your TokenEx ID.
   • tx-apikey: $TOKENEX_API_KEY: Your TokenEx API key.
   • tx-connector-shared-secret: $SHARED_SECRET: Your connector shared secret.
   • Authorization: Keep your authorization header as-is.
   • Date: If your HTTP client library doesn't automatically add this header, make sure to include a RFC 7231 compliant date.
   • Content-Length: If your HTTP client library doesn't automatically add this header, make sure to include the valid content length in bytes.
   • Optional:
     • tx-cachecvv: true: Retain the CVV after the initial request.
     • tx-passthrough: true: Bypass detokenization and send verbatim request to the IXOPAY platform.
     • tx-cvv-not-required: true: Don't produce an error if a CVV couldn't be retrieved.
     • X-Environment: Sandbox: Make sure to include this if using an IXOPAY platform sandbox connector. See Using the sandbox environment with PCI transactions for more information.

3. Forward the request: Forward the complete request, including the cardData section with the $TOKENEX_TOKEN as cardData.pan, to the TokenEx Universal Token Transaction API using your preferred method.

curl

curl --request POST -sL \
  --url "https://paymentservices.tokenex.com/transaction/pci/${API_KEY}/debit" \
  --header "tx-tokenex-id: $TOKENEX_ID" \
  --header "tx-apikey: $TOKENEX_API_KEY" \
  --header "tx-connector-shared-secret: $SHARED_SECRET" \
  --header "Date: $(date -u +'%a, %d %b %Y %H:%M:%S GMT')" \
  --header 'Content-Type: application/json' \
  --header 'Accept: application/json' \
  --header "Authorization: Basic $(echo -n "$USERNAME:$PASSWORD" | base64)" \
  --data-raw "$(cat <<JSON
  {
    "merchantTransactionId": "your-unique-identifier",
    "cardData": {
      "cardHolder": "Alex Smith",
      "pan": "$TOKENEX_TOKEN",
      "cvv": "-",
      "expirationMonth": "11",
      "expirationYear": "2029"
    },
    "description": "Purchase description shown on credit card statement.",
    "amount": "9.99",
    "currency": "EUR",
    "successUrl": "https://shop.example.org/checkout/success",
    "cancelUrl": "https://shop.example.org/checkout/cancelled",
    "errorUrl": "https://shop.example.org/checkout/error"
  }
JSON
)"

Python

import requests
import json
import base64
import os
from datetime import datetime

url = "https://paymentservices.tokenex.com/transaction/pci/{apiKey}/debit".format(
    apiKey=os.environ['API_KEY']
)
auth = base64.b64encode(f"{os.environ['USERNAME']}:{os.environ['PASSWORD']}")
tokenex_token = os.environ["TOKENEX_TOKEN"]

payload = json.dumps(
    {
        "merchantTransactionId": "your-unique-identifier",
        "cardData": {
            "cardHolder": "Alex Smith",
            "pan": "%s" % (tokenex_token),
            "cvv": "-",
            "expirationMonth": "11",
            "expirationYear": "2029",
        },
        "description": "Purchase description shown on credit card statement.",
        "amount": "9.99",
        "currency": "EUR",
        "successUrl": "https://shop.example.org/checkout/success",
        "cancelUrl": "https://shop.example.org/checkout/cancelled",
        "errorUrl": "https://shop.example.org/checkout/error",
    }
)
headers = {
    "tx-tokenex-id": os.environ["TOKENEX_ID"],
    "tx-apikey": os.environ["TOKENEX_API_KEY"],
    "tx-connector-shared-secret": os.environ["SHARED_SECRET"],
    "Date": datetime.utcnow().strftime('%a, %d %b %Y %H:%M:%S GMT'),
    "Content-Type": "application/json",
    "Accept": "application/json",
    "Authorization": "Basic {auth}".format(auth=auth),
}

response = requests.request("POST", url, headers=headers, data=payload)

PHP

<?php

$curl = curl_init();

$auth = base64_encode("$USERNAME:$PASSWORD");
$tokenExToken = $_REQUEST['tokenex-token'];

curl_setopt_array($curl, array(
  CURLOPT_URL => "https://paymentservices.tokenex.com/transaction/pci/$API_KEY/debit",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => '',
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 0,
  CURLOPT_FOLLOWLOCATION => true,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => 'POST',
  CURLOPT_POSTFIELDS => <<<EOD
  {
    "merchantTransactionId": "your-unique-identifier",
    "cardData": {
      "cardHolder": "Alex Smith",
      "pan": "$tokenExToken",
      "cvv": "-",
      "expirationMonth": "11",
      "expirationYear": "2029"
    },
    "description": "Purchase description shown on credit card statement.",
    "amount": "9.99",
    "currency": "EUR",
    "successUrl": "https://shop.example.org/checkout/success",
    "cancelUrl": "https://shop.example.org/checkout/cancelled",
    "errorUrl": "https://shop.example.org/checkout/error"
  }
  EOD,
  CURLOPT_HTTPHEADER => array(
    "tx-tokenex-id: $TOKENEX_ID",
    "tx-apikey: $TOKENEX_API_KEY",
    "tx-connector-shared-secret: $SHARED_SECRET",
    "Date: " . gmdate('D, d M Y H:i:s') . ' GMT',
    'Content-Type: application/json',
    'Accept: application/json',
    "Authorization: Basic $auth"
  ),
));

$response = curl_exec($curl);

curl_close($curl);

Java

String tokenExToken = req.getParameter("tokenex-token");

DateTimeFormatter dateFormatter = DateTimeFormatter.RFC_1123_DATE_TIME
  .withLocale(Locale.US)
  .withZone(java.time.ZoneId.of("GMT"));

OkHttpClient client = new OkHttpClient().newBuilder().build();
RequestBody body = RequestBody.create(
  MediaType.parse("application/json"),
  "{" +
    "\"merchantTransactionId\": \"your-unique-identifier\"," +
    "\"cardData\": {" +
      "\"cardHolder\": \"Alex Smith\"," +
      "\"pan\": \"" + tokenExToken + "\"," +
      "\"cvv\": \"-\"," +
      "\"expirationMonth\": \"11\"," +
      "\"expirationYear\": \"2029\"" +
    "}," +
    "\"description\": \"Purchase description shown on credit card statement.\"," +
    "\"amount\": \"9.99\"," +
    "\"currency\": \"EUR\"," +
    "\"successUrl\": \"https://shop.example.org/checkout/success\"," +
    "\"cancelUrl\": \"https://shop.example.org/checkout/cancelled\"," +
    "\"errorUrl\": \"https://shop.example.org/checkout/error\"" +
  "}"
);
String auth = Base64.getEncoder().encodeToString(
  "%s:%s".format(System.getenv("USERNAME"), System.getenv("PASSWORD")));
Request request = new Request.Builder()
  .url("https://paymentservices.tokenex.com/transaction/pci/%s/debit"
    .format(System.getenv("API_KEY")))
  .method("POST", body)
  .addHeader("tx-tokenex-id", System.getenv("TOKENEX_ID"))
  .addHeader("tx-apikey", System.getenv("TOKENEX_API_KEY"))
  .addHeader("tx-connector-shared-secret", System.getenv("SHARED_SECRET"))
  .addHeader("Date", dateFormatter.format(ZonedDateTime.now()))
  .addHeader("Content-Type", "application/json")
  .addHeader("Accept", "application/json")
  .addHeader("Authorization", "Basic %s".format())
  .build();
Response response = client.newCall(request).execute();

Step 5 - Test and deploy

Make sure to thoroughly test your updated payment flow before deploying it to your production environment. Once you're confident that everything is working as expected, deploy the changes to your live site.