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How to set up your account ?

You must subscribe to the "Tokenisation by schemes" option: please contact the Payline support team to update your subscription.

Consult the configuration on the Monext Online backoffice : Tokenisation configuration.

To activate a Scheme tokenisation service, you must enter a CLIENT APP ID and then request activation from Visa or Mastercard by clicking on Activate to receive a TRID.

How to integrate when the merchant delegates the management of the Card On File to Monext ?

This concerns merchants who use the Monext wallet.

Merchants who register cards or tokenPANs (=Monext tokens) in their own information system do not fall into this category.
They have to refer to the case "the merchant manages his own Card On File".

Tokenisation of a card without payment

This service allows a buyer to request the enrolment of his card in his wallet or to create a wallet if one does not exist.

You can use the Payline API 

Tokenisation of a card during a payment 

The cardholder wishes to register his card in the merchant's wallet when he makes a first payment.
In this case, the payment is made with the card data and the wallet is created for future purchases.

You can use the Payline API :

Payment with a previously tokenised card

This use case corresponds to the payment request via a card already enrolled in VTS (Visa Token Service) or M4M (MDES for Merchants).

You can use the Payline API :

  • in web page mode with the doWebPayment service functions 
  • in direct mode with the wallet functions of the doImmediateWalletPayment service

Payment with a previously tokenised card

This use case corresponds to the payment request via a card already enrolled in VTS (Visa Token Service) or M4M (MDES for Merchants).

You can use the Payline API :

Updating card information from Payline

This use case corresponds to a request to delete and update the card in the wallet.
This request is forwarded via Payline to the Token Requestor in the form of a suspension or update of the card in the wallet.

You can deactivate a wallet and its token, simply by deactivating the wallet: see Wallet Payment backoffice

How to integrate when the merchant manages his own Card On File ?

Making a payment with a token

To make a payment with network token when the merchant does not use the Monext wallet:

  1. Prerequisite: the merchant must first :

    1. Integrate a Token Requestor, allowing him to access VTS and M4M.
    2. Register with the networks and have a TRID for each.

  2. The merchant makes an authorisation request with the token with the doAuthorization service as described below.

    1. For a buyer initiated transaction (CIT):
      1. Ask his Token Requestor to generate a cryptogram to seal the transaction.
      2. Provide this cryptogram in the card.tokenRequestorCryptogram  field.

    2. For a Merchant Initiated Transaction (MIT):
      1. Provide additional information in the card object below.

Web services

Authorisation requests work with a network token in the card.number :


Presence (*)




Indicate the value "SCHEME TOKEN
(to be valued if a network token is used).

card.numberMValue with the network token rather than the PAN.
PAR provided by the network.



Token Cryptogram (TAVV or UCAF) calculated by the networks (present for CIT, absent for MIT).

card.tokenRequestorIdMTRID assigned to the merchant by each network.
card.last4OEnter the last 4 digits of the token.

(*) Mandatory ; Optionnal ; Conditionnal

Brand choice

When using a network token in direct API, the merchant must indicate the brand of the token in the payment.cardBrand field.


Wallet: you can view the updated card in a wallet as soon as it is tokenised.

Transaction: you can find the information in the transaction details, the token and the PAN type indicator = "SCHEME TOKEN" in the card block:

How to perform tests ?

The cards eligible for tokenisation:

Return codes

Monext Online vous informe du résultat d’un paiement via le ShortMessage, selon le mode d'intégration proposé par le moyen de paiement. 

Les états retournés :

  • Le paiement est accepté avec l'état ACCEPTED et le code retour 00000.
  • Le paiement est refusé avec l'état REFUSED. Le code varie en fonction du motif de refus (Par exemple : 01xxx pour une raison bancaire ou 04xxx pour une suspicion de fraude).

La gestion des états et des codes retour sont listés ici.