Create Card Token

Create a card token

Create a secure tokenized representation of a card, for processing transactions without directly handling raw card data.

Note: Access to the Create Card API requires prior verification of your PCI Attestation of Compliance (AOC) by Platform. If you haven’t submitted your AOC or need assistance, please contact Platform Support at [email protected]

Endpoint

Environment	URL
Sandbox	POSThttps://gw.payengine.dev/api/cards
Production	POSThttps://gw.payengine.co/api/cards

Request Body

Name	Type	Description
card_number*	string	Card Number (PAN)
card_cvc	string	Card CVC/CVV
card_exp*	string	Card expiry in MM/YYYY format
merchant_id	string	The Platform merchant ID. When provided, the token can only be used with this merchant.
card_holder	string	Name associated with this card
email	string	Cardholder's email. For 3DS transactions either email or phone is required.
phone_number.cc	string	Cardholder's phone Country Code (max 1-3 digits)
phone_number.subscriber	string	Cardholder's Phone Number (max 15 digits) For 3DS transactions either email or phone is required.
address_line1	string	Cardholder's billing address' line 1
address_line2	string	Cardholder's billing address' line 2
address_city	string	Cardholder's billing address' city
address_state	string	Cardholder's billing address' state
address_country	string	Cardholder's billing address' country
address_zip	string	Cardholder's billing address' zip

Response

Field name	Type	Description	Required?
message	string	Result of the card creation	Required
data.env	string	prod | sandbox - Environment in which the card can be used	Required
data.token	string	Created card token	Required
data.card_data.id	string	Card ID	Required
data.card_data.merchant_id	string	Platform Merchant ID. If not provided in the request, it will be null	Required
data.card_data.name	string	Name associated with this card	Required
data.card_data.email	string	Email address associated with this card if provided in the request	Optional
data.card_data.exp_month	integer	Expiration month	Required
data.card_data.exp_year	integer	Expiration year	Required
data.card_data.last_4	integer	Last four digit of the card	Required
data.card_data.brand	string	Card brand	Required
data.card_data.country	string	Country where card issued	Required
data.card_data.type	string	Type of card - Credit | Debit | Gift | Prepaid	Required
data.card_data.surcharge_allowed	boolean	True | False. True if the surcharge is allowed for the card	Required
data.card_data.network_tokenize	boolean	True if the network tokenization is enabled for this card
data.card_data.address_line1	string	Address line 1 associated with Cardholder's billing address	Optional
data.card_data.address_line2	string	Address line 2 associated with Cardholder's billing address	Optional
data.card_data.address_city	string	City associated with Cardholder's billing address	Optional
data.card_data.address_state	string	State associated with Cardholder's billing address	Optional
data.card_data.address_zip	string	Zip code associated with the card	Optional
data.card_data.address_country	string	Country associated with Cardholder's billing address	Optional
data.phone_number.cc	string	Cardholder Phone Country Code	Optional
data.phone_number.subscriber	string	Cardholder Phone Number	Optional
data.card_updater	object	Card updater information details only when card account updater is enabled	Optional
data.card_updater.status	string	Values - enrolled | closed Required if the card_updater object is present	Required
data.card_updater.type	string	Values - updated, expired, closed, no_participating, contact_cardholder_advice, unknown, opt_out, enrolled Required if the card_updater object is present	Required
data.card_updater.enrolled_at	string	Timestamp indicating when the card was enrolled in the Card Account Updater service. Required if the card_updater object is present Note: This date is not the same as the token creation date	Required
data.card_updater.updated_at	string	Timestamp indicating when the last update was received. Required if the card_updater object is present	Required

Sample Request

{
   "card_number": "4242424242424242", 
    "card_cvc": "453",
    "card_exp": "10/2027",
    "phone_number": {
        "cc": "1",
        "subscriber": "4155056227"
    },
    "card_holder": "John Doe",
    "address_zip": "98104",
    "address_line1": "100 Washington Street",
    "address_line2": "Unit 120",
    "address_country": "US",
    "address_city": "San Mateo",
    "address_state": "CA"
}

Sample Response

{
    "message": "Card created",
    "data": {
        "env": "prod",
        "token": "card_sandbox_H32aF9F3YgwCBKz1eFV6Rgx2",
        "card_data": {
            "id": "1d15778a-64fb-459b-8c19-e8b5da0a9af9",
            "merchant_id": "a3766e78-7388-4c94-b3e9-a89feeb9ab3a",
            "name": "John Doe",
            "exp_month": 12,
            "exp_year": 2023,
            "last_4": "1111",
            "brand": "visa",
            "country": "United States of America",
            "type": "Credit",
            "surcharge_allowed": true,
            "network_tokenize": false,
            "created_at": "2021-12-27T03:35:38.947Z",
            "address_line1": "100 Washington Street",
            "address_line2": null,
            "address_country": "US",
            "address_city": "San Mateo",
            "address_state": "CA",
            "address_country": "US",
            "address_zip": "90245",    
            "email": "[email protected]"
        }, 
        "phone_number": {
            "cc": "1",
            "subscriber": "4155056227"
        },
        "card_updater": {
            "status": "enrolled", 
            "type": "updated",
            "enrolled_at": "2025-03-27T03:35:38.947Z",
            "updated_at": "2025-03-28T03:35:38.947Z"
        }
    }
}