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Use Case 1: Add a New Credit Card

In this use case, the customer is adding a new credit card to their account or wallet. Microform Integration securely captures the primary account number (PAN) and card verification value (CVV). The card expiration month and year is rendered and collected by the merchant.

Overview

The Microform Integration replaces the PAN and CVV.

You render non-sensitive fields for card expiration month and year.

When the customer submits the form, you call

microform.createToken()

. You can also include the card expiration month and year but it is not required.

Microform Integration securely tokenizes the PAN, CVV, and any optional fields that are supplied. Microform Integration returns a transient token in the form of a JWT.

Transient Token Contents

The transient token is JWT that includes the PAN and CVV. If the card expiration month and year are included in

microform.createToken()

, they are returned in clear text in the decoded transient token payload. Microform Integration does not render or host expiration date fields.

After you receive the transient token, you can perform a zero‑amount authorization using Cybersource APIs and create a permanent token in Token Management Service (TMS).

To create a permanent token, the authorization request must include these fields and values

Set the

processingInformation.actionList

field to

TOKEN_CREATE

Set the

processingInformation.actionTokenTypes

field set to the desired token type such as,

paymentInstrument

instrumentIdentifier

, or

customer

After you create a permanent token it can be stored and reused for future transactions.

Example: Add a New Card

Transient Token Response

eyJraWQiOiIwMGNGR0h1d0ZsSEVkaGxPREhOSUU4ZEhURVpFeXdFRiIsImFsZyI6IlJTMjU2In0.eyJpc3MiOiJGbGV4LzAwIiwiZXhwIjoxNzc0OTUyNTk0LCJ0eXBlIjoibWYtMi4xLjAiLCJpYXQiOjE3NzQ5NTE2OTQsImp0aSI6IjFENVhaUDEyUFhEODNISlZPUERFRVY4RUFDVVpJTUxLMjlTMkVPWjVFNzJQNUFVUUpGSzM2OUNCQTA5MjVDNzUiLCJjb250ZW50Ijp7InBheW1lbnRJbmZvcm1hdGlvbiI6eyJjYXJkIjp7ImV4cGlyYXRpb25ZZWFyIjp7InZhbHVlIjoiMjAyNyJ9LCJudW1iZXIiOnsiZGV0ZWN0ZWRDYXJkVHlwZXMiOlsiMDAxIl0sIm1hc2tlZFZhbHVlIjoiWFhYWFhYWFhYWFhYNDI0MiIsImJpbiI6IjQyNDI0MiJ9LCJzZWN1cml0eUNvZGUiOnt9LCJleHBpcmF0aW9uTW9udGgiOnsidmFsdWUiOiIxMiJ9fX19fQ.lEOqM7CGNh82oiCEcPgPmOzdmPoIVGdQdAsLJQRD13InDaO5hopulbBdz_jAl27luaQy5Lxd9h5MgtORIkDtDRPboVCQzcohESwoO_FwHVK0Wg_RsGyLcZN0SByKHIt2TfnbEDB1J5lwkj9o_XLHpBpNWegJzy5r37sAPauZFtivQceDRi_BL04IUIh431KQAW8rRhBsEEA77MBsdSJ-x3381znuiAGziLP4bvKFDSppsAX4Mbm1xm78O71sYCEMPs_-kDZ75n324vM8XF0aS0bhkZ_68jjt1m_YxnnTD33u_eQ5hIbTGf4R68wjvs1ZHjF8Ao9zbYhDguVK1KZiDw

Decoded Transient Token

{
  "iss": "Flex/00",
  "exp": 1774952594,
  "type": "mf-2.1.0",
  "iat": 1774951694,
  "jti": "1D5XZP12PXD83HJVOPDEEV8EACUZIMLK29S2EOZ5E72P5AUQJFK369CBA0925C75",
  "content": {
    "paymentInformation": {
      "card": {
        "expirationYear": {
          "value": "2027"
        },
        "number": {
          "detectedCardTypes": [
            "001"
          ],
          "maskedValue": "XXXXXXXXXXXX4242",
          "bin": "424242"
        },
        "securityCode": {},
        "expirationMonth": {
          "value": "12"
        }
      }
    }
  }
}

Use Case 1: Add a New Credit Card

Overview

Figure:

Transient Token Contents

Example: Add a New Card