Create Token: Payment Card

post https://api.staging.pungle.co/api/v1/tokens

The tokenization endpoint allows you to create tokens representing a Payment Card or Bank Account. These tokens can then be used to associate a Bank Account or Payment Card to an Account Holder.

The Tokenization endpoint should only be used for testing purposes, and instead the Berkeley client JavaScript library can be used to create tokens in order to reduce your PCI scope.

Note: When using the Tokenization endpoint you should use the Token API Key. As this key can be exposed in client side applications.

Create a Payment Card Token

This endpoint allows you to create a token that is specific for a Financial Account or a payment card (i.e., credit, debit).

Request

Note that all fields must be present in the request. Some field values are optional.

Field	Type	Value	Description
card	object		Contains card fields and values for tokenization
name	string, required	John Smith	card holder name
brand	string, required	visa	brand of card (visa, mastercard, amex), must be lowercase
number	string, required	4111111111111111	card number
address_line1	string, required	123 Main St	billing address line 1
address_line2	string, optional	Suite 300	billing address line 2
address_postal_code	string, required	M5H 3G8	billing address postal code
address_country	string, required	CAN	billing address country
address_city	string, required	Toronto	billing address city
address_state	string, required	ON	billing address state/region/province
expiry_month	string, see notes below [1]	12	card expiry month, 2 digits
expiry_year	string, see notes below [1]	2022	card expiry year, 4 digits
cvv	string, see notes below [1]	123	security code, 3 or 4 digits

[1]: If you tokenize a card that will be used as a source of funds in a Pull transaction (i.e., Prepaid Load, P2P Transfer), expiry_month and expiry_year are required. If you tokenize a card that will be used to receive funds in a Push transaction (i.e., Funds disbursements), expiry_month, expiry_year, and cvv are optional (the only exception is for the U.S., where expiry_month and expiry_year are required).

Response

Field name	Type	Value	Description
type	string	payment_card or bank_account	The type of financial account being tokenized
token	(alphanumeric)	random key	encrypted card token
risk_level	string	low; medium; high	Card risk level based on CVV, AVS and Watchlist - Berkeley Use Only (Beta)
push_funds_enabled	boolean	true; false	If the recipient's card accepts real-time deposits or not. If not, the funds will be deposited in 24-48hr
name	string	John Smith	The full name of the sender or recipient
last_four_digits	number	3647	The last 4-digits of the card PAN; also used for easily identifying the card
expiry_year	number	2022	The expiry year of the card (YYYY)
expiry_months	number	month	The expiry month of the card (MM)
currency	string	CAD, USD	The currency code used for the transaction - 3-char value
card_holder_type	string	consumer; business	The type of card used by the sender or recipient in the transaction
brand	string	visa; mastercard	The card brand used in the transaction
bin	string	6 digits	Bin number of issuer
card_product_name	string	Visa Corporate	The name of the card product
card_subtype_code	string	Reloadable; Non-Reloadable	The type of Prepaid card
funding_type	string	credit; debit; prepaid	The type of card used for the transaction
issuer_name	string	BANCO AGROMERCANTIL DE GUATEMALA S.A.	The name of the Bank issuer
issuer_country_code	string	CAN, USA; ESP	Issuing country code - 3-char value
fast_funds_enabled	boolean	true; false	Whether or not the Recipient issuer participates in Fast Funds
cvv_check_status	string	pass; fail; unchecked; unavailable	See Berkeley Client Services wiki for detailed description - Fraud Prevention
avs_check_status	string	pass; fail; unchecked; unavailable	See Berkeley Client Services wiki for detailed description - Fraud Prevention
address_state	string	ON, BC, AB	Billing address province associated with the card (2-char)
address_postal_code	alphanumeric	M5H3G8	Canadian postal code or US ZIP code
address_line1	string	123 Main St.	Street number and street name
address_line2	string	Suite 300	Apartment number or suite number
address_country	string	CAN, USA; ESP	Billing address country code
address_city	string	Toronto	Billing address city

Create a Bank Account Token

This endpoint allows you to create a token that is specific for a Financial Account or a bank account (i.e., credit, debit).

Request

Note that all fields must be present in the request. Some field values are optional.

Field	Type	Value	Description
account_number	string, required	12341234	Bank Account Number, between 7 and 12 digits.
transit_number	string, required	12345	Bank Account Transit Number
institution_number	string, required	001	Bank Account Institution
account_holder_name	string, required	John Smith	Account Holder Name
currency	string, required	CAN, USD	Bank Account Currency
country	string, required	CAN, USA	Country of Bank Account

Response

Field name	Type	Value	Description
account_number	string, required	12341234	Bank Account Number
transit_number	string, required	12345	Bank Account Transit Number
institution_number	string, required	001	Bank Account Institution
account_holder_name	string, required	John Smith	Account Holder Name
currency	string, required	CAN, USD	Bank Account Currency
country	string, required	CAN, USA	Country of Bank Account
last_four_digits	string, required	1234	Last Four Digits of Account Number
risk_level	string	low; medium; high	Card risk level based on CVV, AVS and Watchlist - Berkeley Use Only (Beta)
token	(alphanumeric)	random key	encrypted bank account token
type	string	payment_card or bank_account	The type of financial account being tokenized

Create a Email or Phone Number Token

This endpoint allows you to create a token that is specific for a email address or phone number.

Request

Note that all fields must be present in the request. Some field values are optional.

Field	Type	Value	Description
etransfer	object		Contains etransfer fields and values for tokenization
	Field	Type	Value	Description
	name	string, required	John Smith	Account Holder Name
	email	string	[email protected]	Account Holder Email
	phone_number	string	5559992255	Account Holder Phone Number

Response

Field name	Type	Value	Description
token	string, required	ettk_BY-HbLvFocbzF8O23EF4E37121688FE9D	Token representing the email or phone number