Using Payment Tokens

Merchant Partners First Mile allows you to save customer payment tokens. A payment token is a placeholder for credit card information that allows you to keep payment information on file for repeat customers.

To Create Payment Tokens

The Allow Account on File box needs to be checked on the General tab of Merchant First Mile Middleware Configuration.

The Allow Account on File box checked

When selected, the Account on File section appears on the Credit Card Sale window. Check Yes to create a payment token when the Process button is clicked.

The Account on File section with Yes selected.

Paying with Customer Payment Tokens

After a payment token is stored for a customer, the next time you click the ePayment button on any payment window for that customer, the Credit Cards on File window appears.

To Pay with a Customer Token

Complete these steps:

  1. Click the ePayment button when processing a payment. If the customer has a payment token on file, the Credit Cards on File window opens.

    the Credit Cards on File window showing a payment token.

  2. Select the token in the list and click Continue. The Credit Card Sale window opens with
    • The encrypted payment information in the Credit Card section.

    • The token number entered in the Account field.

    The Credit Card and Account on File sections displaying the token information.

  3. Click Process and the payment is processed with the token.

    You are not prompted to obtain a signature for the payment. If the customer is present and you want a signature for the transaction, you can click Request Signature to obtain one.

    The Request Signature area of the Credit Card Sale window.

  4. If Electronic Payment Setup is set to capture signatures during finalize, you are prompted for a signature to approve the repair order.

Payment Token Process

A payment token is a file with placeholder information in the database with a token ID. The customer's account information is stored in an encrypted format at the Merchant gateway. No credit card information is processed, stored, or retained on your local machines. All transactions occur at the Merchant gateway.

When you chose to pay with a payment token,

  1. R.O. Writer logs into the Merchant gateway with the payment token.
  2. The Merchant gateway uses the token ID to access the correct, encrypted account information.
  3. The transaction is processed on the Merchant gateway.
  4. The results of the transaction are sent back to R.O. Writer in an encrypted format.

Payment Tokens for Approved Credit Card Applications

When a customer’s credit application is approved, R.O. Writer stores a payment token for that credit card automatically. As a result, you can finance the repair immediately.