Tokenizing Payment Information

After the payment information is secured in a JWE data object, it can be tokenized. Use the resulting transient token within
Cybersource
 APIs in place of the payment information associated with it.
To tokenize the payment information, send the encrypted payment data to the
/tokens
 API endpoint. The API responds to the request with a transient token in the form of a JSON Web Token (JWT).
IMPORTANT
The internal data structure of the JWT can expand to contain additional data elements. Ensure that your integration and validation rules do not limit the data elements contained in responses.

Resource

IMPORTANT
Flex API
 is not designed to be used from the browser. For securing payment information from the browser, please see the
Microform Integration
 product.
Send an unauthenticated POST request from your customer’s device or backend system to the
/tokens
 API endpoint:
  • Test:
    https://apitest.cybersource.com
    /flex/v2/tokens
  • Production:
    https://api.cybersource.com
    /flex/v2/tokens
The resource returns a transient token that represents the supplied customer card data. The token can replace the payment information in any follow-on
Cybersource
 services.

Tokens API Request Payload

The payload for the
/tokens
 request is a JWE data object.

Example

eyJraWQiOiIwMFN2SWFHSWZ5YXc4OTdyRGVHOWVGZE9ES2FDS2MxcSIsImVuYyI6IkEyNTZHQ00iLCJhbGciOiJSU0EtT0FFUCJ9.juQDhF5XcZ1rDbupn1nZ1qHhephzWpa8FumH4KrsD0yF1tCOD0L8WfpSyd5VGIewb4I1IipmSB5vV0O3Cb6FrNLipjFq-oexFRwSK92NbB88ySFO-7FyvPddiqaQFkA81xn8nwdoHMwUsQuqe8Ts_krLsvYghmscxXKkwcEKqxoWbmD-yEfvKxGyHACLprAKLm-xusexaJLF42OTxYuEhzzrSe6MRll0zXuk2DAhtUL2oHCgu8P3shgJBJqsOPcAFtwtLBRoDwlDt0ybOHjd34Svbpgf_3ncFnDkEQYe5QeElEHaB2a0Nbwo61I1UETfhedHQc8IMtDmVuKk9pgCTg.uWrwGp2jZxZd5wF0.oFzZ3I2ry77jf-3wB_2q8G-0tbYJWQj88NdzRmVNO34JbreX5WOCju7ntvN8h83NJXEA_cQech2PEGIZV_tADBaLbSxJeitYKwaQhs_tRVrzrcd8Qhgs4OADfky2m310eV8bUG8D4GZBKRHL6ScLf5p30b6Hoa5fDYsU7IHNyCReiaiGPExlY4luwL9QQxrfY2LTv74Pcqyh-B4byNxR5hTw3SJm7DT7YQLl6_-2ROqJhJoweTdDJtmJoM-LxKEij2TLgHBdqso9f036dfn0SHLl1vG86C1-6DA9yFIZB3gLYnyom1jZuGxUOPXDojUfXo0OpUj8OI6CnQWdhKpC9X19s8xAhIAUYYdvWrEqFfBzd9S-4E-ZdyUGfxG7fLQuLZKQJeYBbGCssLGSIXLOb15sKOopIgqCTU7M5EN_F7zW0IwJ4-b8OVf_J80-hW1e043RlzBoMr3aGdXFIaLmVbEIzTNeZrulYTTWWLbQlcLTXqAM0yFlKmIrpq55VruvVR8i_iju5MFzzTYuLut9ecvYbFFeUkUaUBihNXg4Np57Ix23gaJuMcPBgUqkH3nCTZQE7yQOynzO-lho_jAHy1xcwV_DJhhAJnACO5HUDAjVKmr-GKqxvDZWVzrqjFkPArX81eRSnn9Dr2Ahozehn9FTB37AJV3BEC2i7WMvAbQE1EpPVGTdvVDhH2xlLAHqHTBeQakzY4e81h2L3EDCmdjx_yZdZOUUSG3mLQSp864OV5pHc2X22ZRadGbrLwnA-m2W1oDZIzh2t5nZdJhePnNzHbNXTf0xWSklxdgJdfG52FVSH-cKiJQnDhmCH6nPVK7NKnL0vRuZ-uuOa4PJQDoT2H8eSjpvo8fo9rwfLYmQJa042t7OSE95bER9k1oJTUm83LNA3bxhWk5en2UFgcip3z3KlOmFwPLVNCpzitULzAEHwBJlrB0aGXkQi1bJMxo9XZNREnFyYAlX3-aruXIe47pwAyOEX-hd-3Y7UsxBVYB86se51q2-VUldR0zj6cwZvrTxhFM_gAsD0HisAGa6E3n3n3w1JAvjuZdHRoQqaT00YFmTdSbocmTOEUammYmBjagKKycOzgmoZSaYpffQl_R06tEZke6uhJrPQuTwLwivZMtnWE8O16VIRX4cG3OfzaRYs0GvPWumDlrSbM8FugMIEaUTng5T9CdkixegRmszDELzNjNTJLe2WwxJG4Kb_1-yGMRlhFys4FEwVMk8AWJJRDpwG0jdmHkBz9l7z1PFdIcidbIpmgH7m5RD6kwRSxaG_BJWDc2IkIFyNa2G_-gHjQh_utablUOL9CXxxFCKD9UHojtsHneFt1bhV2P_sfYYhtZo5XloKAAEXqmOSY2boYyj0hMlKNuVqukrnWG6-bV-LBf9DvpYNKO9YeU6rYD_WOxSQlliqVvEK8n9xLCmQQKsK2Xj2WGh7wWTQTMh18hcsNENN3Loq9DofAbOrCXqdREAshxg_MOI5vGe0JvIR9Gj6kAhKGFf2DYBqMynbb9jWJnjCzFXBCqXXjTOuCoZdzlV9RbLxIBOOojIfLfdtVLGKPLKizXaSQ8YrLiBATarkpO7WFSSF66lvezwDZlfDErA-0kij1n2poKqDLYL3vNfX8vU33ef96VQc9I3auTpiWd0NLa5yw0RWREAjqa4pHYTEZDiLcD0vETt84_aon3U7co_8fAYrztokTIJ2ORuhN_xA0rV1MbOZIwW6m-duqYLFLQlcwjxNwTdaberNy6bCg9otljd5l7nSbzZ6UpHrHDF02LrM41NmQUx9tZFHypYjFdgiKKgqk-kTe3pq6ithsTPvcDvDkNgCSb9H_X30qm2-0VXaGIcYBcmJdsbBt7VJuYVZ1I_2l4-_6glgvgQz9d5KaHyZeJimSXqOsbqUQzNKWC7_K81Z5XmqCPJByrOiROkO6iEe_poqRgVzHETHYmstAzUlgUvPD3XocZdlHuPHArQe6GddVmxnhTDV1M0TmXwK03f0jGg7LMjWjU1k15X8xYZTk_HMo76IetUOdf9BIoaMBqMHJkk936uzjIeiW1DbEb4ExLtpIeSoq_fnelAWoVEDMa_XoVkWCR5R7wTJjGyZKjJJkJ6UqYQguS9oO95MZp8N0Qa41wKCvztLbFKtEU7sPz3pU5oUVbn9cZS7WCzCUNWGxb3PO0nTzPsP_MhD71JcuAEFSLS05m1hkoNiYe_6pmLv8Rrgp71kFsTOIOUrcUvwdJRikDOLdNbO5b-_6HjczDPzx9PaM_Zn-34mfOQPthWAfum3YvpmthuKxAWfdBChZXe9oCMeBGewGl7mKMh9H5SP6su5yw-IFe7iBd338LVVPjRXif1rNsU631YXBu9Lz-l6o4cuGuYPVHPhHf4lifFXvlvi702wD7fbYn3cZ55_yGVJvcFPq6OMUGJUSy5ncj-n7a8-IcGmSFpMtgnMc1ycJa_0N1vtwyjm0WvdzkUrBNC_OoCmHlLaG3XTRenL_WYhzxDUdQQBuSC3acFu28x3NL8cmR5iqy7sBGUKcwt_ogX9ZoQyFzUTFOw.QqKIuF8EnuhOTM8PvGEs8A

Tokens API Response Payload

Example

eyJraWQiOiIwMFN2SWFHSWZ5YXc4OTdyRGVHOWVGZE9ES2FDS2MxcSIsImFsZyI6IlJTMjU2In0.eyJpc3MiOiJGbGV4LzAwIiwiZXhwIjoxNjE0NzkyNTQ0LCJ0eXBlIjoiYXBpLTAuMS4wIiwiaWF0IjoxNjE0NzkxNjQ0LCJqdGkiOiIxRDBWMzFQMUtMRTNXN1NWSkJZVE04VUcxWE0yS0lPRUhJVldBSURPSkhLNjJJSFQxUVE1NjAzRkM3NjA2MDlDIn0.FrN1ytYcpQkn8TtafyFZnJ3dV3uu1XecDJ4TRIVZN-jpNbamcluAKVZ1zfdhbkrB6aNVWECSvjZrbEhDKCkHCG8IjChzl7Kg642RWteLkWz3oiofgQqFfzTuq41sDhlIqB-UatveU_2ukPxLYl87EX9ytpx4zCJVmj6zGqdNP3q35Q5y59cuLQYxhRLk7WVx9BUgW85tl2OHaajEc25tS1FwH3jDOfjAC8mu2MEk-Ew0-ukZ70Ce7Zaq4cibg_UTRx7_S2c4IUmRFS3wikS1Vm5bpvcKLr9k_8b9YnddIzp0p0JOCjXC_nuofQT7_x_-CQayx2czE0kD53HeNYC5hQ

Validating the Transient Token

After receiving the transient token, validate its integrity using the public key embedded within the capture context created at the beginning of this flow. This verifies that Cybersource issued the token and that no data tampering occurred during transit.

Example: Capture Context Public Key

"jwk": {
    "kty": "RSA",
    "e": "AQAB",
    "use": "enc",
    "n": "3DhDtIHLxsbsSygEAG1hcFqnw64khTIZ6w9W9mZNl83gIyj1FVk-H5GDMa85e8RZFxUwgU_zQ0kHLtON
          o8SB52Z0hsJVE9wqHNIRoloiNPGPQYVXQZw2S1BSPxBtCEjA5x_-bcG6aeJdsz_cAE7OrIYkJa5Fphg9
         _pxgYRod6JCFjgdHj0iDSQxtBsmtxagAGHjDhW7UoiIig71SN-f-gggaCpITem4zlb5kkRVvmKMUANe4B
         36v4XSSSpwdP_H5kv4JDz_cVlp_Vy8T3AfAbCtROyRyH9iH1Z-4Yy6T5hb-9y3IPD8vlc8E3JQ4qt6U46
         EeiKPH4KtcdokMPjqiuQ",
    "kid": "00UaBe20jy9VkwZUQPZwNNoKFPJA4Qhc"
}
Use the capture context public key to cryptographically validate the JWT provided from a successful
/tokens
 call.
You might have to convert the JSON Web Key (JWK) to privacy-enhanced mail (PEM) format for compatibility with some JWT validation software libraries.

Using the Transient Token to Process a Payment

After you validate the transient token, you can use it in place of the PAN with payment services for 15 minutes.
When the consuming service receives a request containing a transient token, it retrieves the tokenized data and injects the values into your request before processing, and none of the sensitive data is stored on your systems.
In some scenarios, the jti value contained in the JWT transient token response must be extracted and used instead of the entire JWT.
REST API with Transient Token JSON Web Token
"tokenInformation": {
     "transientTokenJwt": "eyJraWQiOiIwMFN2SWFHSWZ5YXc4OTdyRGVHOWVGZE9ES2FDS2MxcSIsImFs
     ZyI6IlJTMjU2In0.eyJpc3MiOiJGbGV4LzAwIiwiZXhwIjoxNjE0NzkyNTQ0LCJ0eXBlIjoiYXBpLTAuMS
     4wIiwiaWF0IjoxNjE0NzkxNjQ0LCJqdGkiOiIxRDBWMzFQMUtMRTNXN1NWSkJZVE04VUcxWE0yS0lPRUhJ
     VldBSURPSkhLNjJJSFQxUVE1NjAzRkM3NjA2MDlDIn0.FrN1ytYcpQkn8TtafyFZnJ3dV3uu1XecDJ4TRI
     VZN-jpNbamcluAKVZ1zfdhbkrB6aNVWECSvjZrbEhDKCkHCG8IjChzl7Kg642RWteLkWz3oiofgQqFfzTu
     q41sDhlIqB-UatveU_2ukPxLYl87EX9ytpx4zCJVmj6zGqdNP3q35Q5y59cuLQYxhRLk7WVx9BUgW85tl2
     OHaajEc25tS1FwH3jDOfjAC8mu2MEk-Ew0-ukZ70Ce7Zaq4cibg_UTRx7_S2c4IUmRFS3wikS1Vm5bpvcK
     Lr9k_8b9YnddIzp0p0JOCjXC_nuofQT7_x_-CQayx2czE0kD53HeNYC5hQ"
}
REST API withJSON Web Token ID
"tokenInformation": {    
    "jti": "1E3GQY1RNKBG6IBD2EP93C43PIZ2NQ6SQLUIM3S16BGLHTY4IIEK5EB 1AE5D73A4",    
}