XP Cloud:PCI Compliant Credit Card Saving When Using X-Payments Cloud with Magento 1.x

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Saving Cards

If you configure X-Payments Cloud to use a payment configuration based on a payment processor with support for tokenization, your customers will get the option to save their payment card details so they will not have to re-enter them every time they make a purchase at your store. Note that the option is available only to registered customers. A customer can save up to three payment cards.

Credit card details are saved in a PCI compliant manner: no credit card information is stored in your Magento store; instead, the information is stored in a PCI compliant credit card vault of the payment system. Re-use of saved credit cards by your Magento store is made possible through the use of tokenization - an approach that replaces sensitive cardholder info with a unique identifier (a "token").

There are two places in your Magento store where your customers will be able to save their card information:

  • the checkout page (See the option I want to use this payment card for my future orders in this shop right below the payment form):
    M1 save card checkout.png
  • the section "MY PAYMENT CARDS" in the customer's user account (ACCOUNT > My Account > MY PAYMENT CARDS; see the button ADD PAYMENT CARD):
    M1 my payment cards.png

Saving a card via the "MY PAYMENT CARDS" section involves the authorization of a small amount of money on the customer's card; this small amount is released back to the card, usually within a few seconds. By default, this amount is set to $1, but you can change it by going to Settings -> General in X-Payments Cloud and readjusting the value of the setting Transaction amount for card tokenization in the section "Processing".

Managing Saved Cards

Regardless of the method of saving, saved payment cards can be managed via the section "MY PAYMENT CARDS" in the customer's user account (ACCOUNT > My Account > MY PAYMENT CARDS). Here the customer can see whether they have any saved cards, remove the cards that they no longer want to be stored, or save more cards.