---
updatedAt: 2026-02-26T13:10:37.000Z
agentTools:
  projectIndex: https://docs.ksa.ngenius-payments.com/llms.txt
---

# Pay by Token

> 📘 Do you have the Pay by Token feature enabled on your account?
>
> Not all customers will have the Pay by Token facility enabled on their **N-Genius Online** account. To check whether you have this facility, please consult with your support team or relationship manager.

If you have the Pay by Token facility enabled on your **N-Genius Online** account, for each successful transaction you will receive token data back in the payment response in the following JSON format.

This will allow you to capture and store non-sensitive data about your customer's payment card, and to re-present this data back to the **N-Genius Online** payment page for repeat customers.

```json
savedCard: {
"cardToken": "[Base64 string]",
"cardholderName" : "Test Customer",
"expiry": "2025-04",
"maskedPan": "401200******1112",
"scheme": "VISA" }
```

Should you wish to take advantage of this feature, you should capture and store this information alongside any customer records you keep on your web-site/service.

This will allow you to present the option to repeat customers to pay with their previously used card, providing key information about the card (the card scheme, and a masked version of the PAN) to provide reassurance to the customer.

To present this card back to the **N-Genius Online** payment page, you need only include the block of data above in the initial order creation request, before redirecting your customer to the payment page (see the [Create an order](https://docs.ksa.ngenius-payments.com/ksa/reference/create-an-order-paypage) and [List of order input attributes](https://docs.ksa.ngenius-payments.com/ksa/docs/list-of-order-input-attributes) sections, for more details).

```json
savedCard: {
"cardToken": "[Base64 string]",
"cardholderName" : "Test Customer",
"expiry": "2029-04",
"maskedPan": "401200******1112",
"scheme": "VISA" }
```

**Note**: the `maskedPan` and `scheme` fields are only required in Payment Page integrations.