Network Tokenization

What is Network Tokenization?

Network tokenization replaces sensitive card details (like the Primary Account Number, or PAN) with a unique, non-sensitive digital identifier (a “token”) generated by card networks (Visa, Mastercard) for secure online and recurring payments, protecting data, reducing fraud, and keeping card info updated automatically even if the physical card changes, offering a seamless checkout experience.

Creating a Charge with Network Token

Beam allows network tokens as a payment method for charges by specifying "paymentMethodType": "CARD_NETWORK_TOKEN" and providing network token details in the cardNetworkToken object.

Please refer to API Reference for more details of each field in the request body.

Here is an example of a request to create a charge using network tokenization:

POST https://api.beamcheckout.com/api/v1/charges
Content-Type: application/json
Authorization: Basic {{yourMerchantId}} {{yourApiKey}}
 
{
  "amount": 10000,
  "currency": "THB",
  "paymentMethod": {
    "paymentMethodType": "CARD_NETWORK_TOKEN",
    "cardNetworkToken": {
      "number": "4111111111111111",
      "cryptogram": "",
      "cardHolderName": "Kumamon",
      "expiryMonth": 12,
      "expiryYear": 26,
      "first8": "41111111",
      "last4": "1111",
      "initiatorType": "CUSTOMER"
    }
  },
  "referenceId": "test1"
}