Payments with Instrument Identifier Tokens

An instrument identifier token represents either a payment card number or, in the case of an ACH bank account, the routing and account numbers. The expiration date and billing address fields are pass through fields. The pass-through fields are used for payment network token enrollment with card associations.

You can make a payment using an existing instrument identifier token or create one. To make a payment using a new instrument identifier token, you must include token creation in the authorization request. For example:

Create an Instrument Identifier Token with Validated Payment Details

To process a payment using an existing instrument identifier token, you must include the instrument identifier token ID as the value in the

paymentInformation.instrumentIdentifier.id

field. For example:

Authorize a Payment with an Instrument Identifier
Make a Credit with an Instrument Identifier

For more information on instrument identifier tokens, see Instrument Identifier Tokens.