Token payment upgrade to 3DS
Upgrading token payment implementation to use 3DS
Token payment is a solution that enables the merchant to charge the customer without requiring the presence of the customer. It is a powerful tool to conduct subscription-like or customer not present scenarios. This scenario required the merchant to create a token that would act as an identifier for the customer's funding source (may it be a credit card or a Barion e-money account). To acquire such a token the merchant had to do several things:
- Create an alphanumeric token
- Register this token in the Barion system by attaching it to an initial payment and having the customer fulfill that payment (either by card or form an e-money account)
- Refer to this token in a subsequent payment attempt
This meant that as far as this token referred to a valid and still available funding source the merchant could create payments without any limitations.