Overview

Card Vaulting is a core feature of our API designed to securely store a customer's card details for future transactions.

Key Features

Improve the Checkout Experience

Enable customers to quickly and seamlessly pay without re-entering their card details, leading to higher conversion rates and faster checkout sessions. This feature is particularly valuable for merchants with frequently returning customers, where convenience and speed are crucial.

Customer Experience Flow <For Edit: Let's move this to the Manage a Customer's Cards page or a new page for the expected User Experience flow inclusive of photos>

The first time a customer checks out, they can choose to save their card. PayMongo stores a token (not the raw card number). Next time they check out, they can pay with the saved card by entering their CVC, making checkout faster and easier.

On their first purchase

1. The cardholder visits the merchant's checkout page and completes a purchase using their credit or debit card.
2. During checkout, they are prompted with the option to save their card for future use.
3. If accepted, the card is securely tokenized and stored by PayMongo.

For their subsequent purchases

1. The cardholder returns to the merchant's site to place another order.
2. They are prompted to use their saved card.
3. The cardholder inputs the CVC, and the payment is processed instantly using the saved card.

This part should answer the following <For edit -- IF these additional questions can/should be addressed? If not can be removed>

• Does the system allow storing multiple cards per customer?
• Are there restrictions on card issuer, or region?
• Can customers reuse their cards across different merchants?
• A flow diagram to help developers get context faster

Pricing

Credit and debit card transactions are charged at 3.5% + ₱15 per transaction (+1% for foreign-issued cards). Vaulted card payments follow the same rates.

For custom pricing, visit our Pricing Page.