Tokenization and subscriptions

Save card data by tokenization securely and reliably. Tokenization enables smart one-click and recurring payments, payment in applications and authorization holds.

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Tokenization guarantees effortless payments

Store credit card information securely and reliably for later use with tokenization.

Tokenization of card information enables:

Subscriptions
In-app payments
One-click payments
Authorization holds

Want to enable tokenization? Contact us and our sales team will help you get started!

Subscriptions

Recurring payments allow the same amount to be charged on a set schedule repeatedly. They are worry-free and easy for the consumer.

Recurring payments are suitable for membership fees, magazine subscriptions, streaming services, coaching, etc. Get in touch to discuss a solution that supports your business.

In-app payments

Enable smooth payments directly within your mobile application using a saved card.

Paying in the app:
With Paytrail’s payment service, in-app payments can be handled via secure web-based interfaces.

Native integration:
Looking for a fully integrated native payment experience in your app? Explore our native payment solution designed to meet your needs.

One-click payments

Make repeat purchases fast and effortless. With one-click payments, customers can pay instantly without re-entering card details—reducing friction and helping you lower cart abandonment.

Ideal for frequent low-value transactions in apps like taxis, food delivery, fitness sessions, or car washes. In some cases, additional customer authentication may be required.

Authorization holds

Authorization holds allow you to reserve funds on a saved card without charging the customer immediately. The hold remains valid for up to 7 days and is only converted into a charge when you confirm the payment.

This feature is ideal for use cases like car or equipment rentals, where the final amount may not be known in advance. The reserved amount can be reduced if needed, but not increased beyond the original hold.

If the rental period is extended, a new authorization or additional payment can be made based on your business needs.

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Why choose recurring card payments from Paytrail?

Paytrail’s recurring card payment solution is designed to simplify operations and support a wide range of business needs.

Works for any business model – There are no technical limitations on payment amounts or billing cycles. Use cases can be tailored to your business needs
Secure, compliant card storage – Card details are securely stored using Paytrail’s hosted form. Data is processed in our PCI-compliant environment, so you don’t need to manage security responsibilities yourself
Seamless integration across platforms – Recurring payments are compatible with many systems, including Confirmo ERP, WooCommerce, Adobe Commerce, WisePlatform, and more

What is tokenization?

Tokenization allows card details to be stored securely by the payment service provider, never by the merchant. Paytrail stores this data in a PCI DSS-compliant environment, so customers only need to enter their card details once. With tokenization, card details only need to be entered once. The saved data can then be used for future payments without needing to re-enter information.

Recurring payments are triggered by the merchant, such as sending a monthly charge request using the saved card data. While Paytrail stores the card details, all charges are initiated from the online store.

Two models of tokenization

Merchant-Initiated Transactions (MIT)

Merchant-initiated transactions occur when a payment is triggered without direct involvement from the customer. These are typically used for time-based recurring charges, such as monthly subscriptions or streaming services. Since the customer isn’t actively involved in each transaction, the merchant assumes the credit risk.

Customer-Initiated Transactions (CIT)

Customer-initiated transactions are triggered by the customer, who has previously saved their card details. Even if the actual charge occurs later (for example, after a taxi ride, at a gas station, or for paid parking), the customer initiates the payment themselves.