{"id":16353,"date":"2024-03-20T09:15:31","date_gmt":"2024-03-20T08:15:31","guid":{"rendered":"https:\/\/docs.centralpay.com\/documentation\/card-transaction\/custom-payment-form\/"},"modified":"2026-08-18T12:39:15","modified_gmt":"2026-08-18T10:39:15","slug":"custom-payment-form","status":"publish","type":"docs","link":"https:\/\/docs.centralpay.com\/en\/documentation\/card-transaction\/custom-payment-form\/","title":{"rendered":"CUSTOM payment form"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/docs.centralpay.com\/documentation\/developpeurs\/card-payment\/\">Transaction API service<\/a> lets you perform an <strong>authorisation<\/strong> followed by a capture of funds on your customer\u2019s bank card. All card payment methods (one-off payments, recurring payments, MoTo, etc.) are managed via this service. <\/p>\n\n<p class=\"wp-block-paragraph\">When a customer wants to make a first payment, their card data must be collected to generate a <code>cardTokenId<\/code>, using CentralPay\u2019s tokenisation service &#8220;token.js&#8221;. This temporary token can then be used to create a Card resource, identified by a <code>cardId<\/code>, which can be stored in a Customer object. This linking is required to enable subsequent payments without asking for the card again (1-click payments, recurring payments, etc.).  <\/p>\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<pre class=\"wp-block-preformatted\">\u2139\ufe0f With a custom payment form (CUSTOM FORM), integrating <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/card-transaction\/3ds-2-0-authentication\/\">3DS 2.2 authentication<\/a> is mandatory before executing a transaction.<\/pre>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\"><strong>Payment flow diagram with cardTokenId:<\/strong><\/p>\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"675\" src=\"https:\/\/docs.centralpay.com\/wp-content\/uploads\/2023\/07\/schema-single-payment-flow-1024x675.jpg\" alt=\"\" class=\"wp-image-458\" srcset=\"https:\/\/docs.centralpay.com\/wp-content\/uploads\/2023\/07\/schema-single-payment-flow-1024x675.jpg 1024w, https:\/\/docs.centralpay.com\/wp-content\/uploads\/2023\/07\/schema-single-payment-flow-300x198.jpg 300w, https:\/\/docs.centralpay.com\/wp-content\/uploads\/2023\/07\/schema-single-payment-flow-768x506.jpg 768w, https:\/\/docs.centralpay.com\/wp-content\/uploads\/2023\/07\/schema-single-payment-flow-1000x659.jpg 1000w, https:\/\/docs.centralpay.com\/wp-content\/uploads\/2023\/07\/schema-single-payment-flow-230x152.jpg 230w, https:\/\/docs.centralpay.com\/wp-content\/uploads\/2023\/07\/schema-single-payment-flow-350x231.jpg 350w, https:\/\/docs.centralpay.com\/wp-content\/uploads\/2023\/07\/schema-single-payment-flow-480x317.jpg 480w, https:\/\/docs.centralpay.com\/wp-content\/uploads\/2023\/07\/schema-single-payment-flow.jpg 1066w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<pre class=\"wp-block-preformatted\">\u2139\ufe0f If you have PCI-DSS Level 1 certification and you handle card data, you can create a <code>\/card<\/code> object directly by sending the data (PAN, expiry date, CVC) to the API, without using token.js.<\/pre>\n\n<h2 class=\"wp-block-heading\">1. Prerequisites<\/h2>\n\n<h3 class=\"wp-block-heading\">1.1. Declare your domains<\/h3>\n\n<p class=\"wp-block-paragraph\">Before using token.js, you must declare the domains hosting your Custom forms in your Merchant Portal. Go to         <span class=\"direction_steps\">\r\n            <span class=\"direction_step\">Administration <\/span><span class=\"direction_step\"> My merchant profile <\/span><span class=\"direction_step\"> Technical <\/span><span class=\"direction_step\"> Edit<\/span>        <\/span>\r\n        , then complete the Allowed Custom Forms Hosts field. <\/p>\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">Access:<\/p>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-small-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/test-backoffice.centralpay.net\/admin\/actor\/account#technical_tab\" target=\"_blank\" rel=\"noreferrer noopener\"><code>Recette<\/code> Merchant Portal &#8211; Administration<\/a><\/div>\n<\/div>\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-small-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/backoffice.centralpay.net\/admin\/actor\/account#technical_tab\" target=\"_blank\" rel=\"noreferrer noopener\"><code>Production<\/code> Merchant Portal &#8211; Administration<\/a><\/div>\n<\/div>\n\n<h3 class=\"wp-block-heading\">1.2. Secure your form<\/h3>\n\n<p class=\"wp-block-paragraph\">Ensure that your payment pages use the HTTPS protocol with TLS 1.2 or higher.<\/p>\n\n<h3 class=\"wp-block-heading\">1.3. PCI-DSS compliance<\/h3>\n\n<p class=\"wp-block-paragraph\">Using token.js means you manage the form display and the token trigger yourself. This method requires compliance with PCI DSS SAQ A-EP requirements. <\/p>\n\n<p class=\"wp-block-paragraph\">Download the <a href=\"https:\/\/www.pcisecuritystandards.org\/documents\/PCI-DSS-v3_2-SAQ-A_EP-rev1_1.pdf\">A-EP form \u279d<\/a><\/p>\n\n<h2 class=\"wp-block-heading\">2. Payment form integration<\/h2>\n\n<h3 class=\"wp-block-heading\">2.1. Create an HTML payment form<\/h3>\n\n<p class=\"wp-block-paragraph\">Unlike the Smart Form hosted by CentralPay, the Custom Form is created by you, using your own HTML code. You must implement the following fields: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Card number<\/strong>: 16 digits for CB\/Visa\/Mastercard, 15 for American Express<\/li>\n\n\n\n<li><strong>Expiry date<\/strong>: MM\/YYYY format<\/li>\n\n\n\n<li><strong>CVC<\/strong>: 3 digits (CB\/Visa\/Mastercard), 4 digits (Amex)<\/li>\n<\/ul>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">You can view our Custom Form examples:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>See the example of a <a href=\"https:\/\/example.centralpay.net\/webapp\/credit-card-storage\" target=\"_blank\" rel=\"noreferrer noopener\">Custom Form without 3DS 2.2 \u279d<\/a><\/li>\n\n\n\n<li>See the example of a <a href=\"https:\/\/example.centralpay.net\/webapp\/payment-3ds\" target=\"_blank\" rel=\"noreferrer noopener\">Custom Form with 3DS 2.2 \u279d<\/a><\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\">2.2. token.js script integration<\/h3>\n\n<p class=\"wp-block-paragraph\">Add the token.js script to your page to generate a <code>cardTokenId<\/code>:<\/p>\n\n<pre class=\"wp-block-code has-black-color has-text-color has-background has-link-color wp-elements-563b52f8fa3f629acab52d88b9149f48\" style=\"background-color:#f8f8f8\"><code lang=\"javascript\" class=\"language-javascript\">&lt;script src=\"https:\/\/js.centralpay.net\/js\/token.js\"&gt;&lt;\/script&gt;<\/code><\/pre>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">Then add your merchant public key (MerchantPublicKey) in a separate tag:<\/p>\n\n<pre class=\"wp-block-code has-black-color has-text-color has-background has-link-color wp-elements-e0288c2fd8c5252d6a72604ddbf60995\" style=\"background-color:#f8f8f8\"><code lang=\"javascript\" class=\"language-javascript\">&lt;script type=\"text\/javascript\"&gt;\n  window.Centralpay ? Centralpay.card.setMerchantPublicKey('VOTRE_CLE_PUBLIQUE') : alert('Error loading html form');\n&lt;\/script&gt;<\/code><\/pre>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">You can see where to find your MerchantPublicKey on the <a href=\"https:\/\/docs.centralpay.com\/documentation\/informations-generales\/utiliser-nos-apis\/\">API authentication<\/a> page.<\/p>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\"><strong>Integration in a mobile application<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">If you use a WebView in your application, you can integrate either a custom form with token.js or a hosted form via the <a>PaymentRequest<\/a> service. These options let you externalise card data collection while providing a smooth user experience. <\/p>\n\n<p class=\"wp-block-paragraph\">In a native mobile application, the token.js script is not compatible. You must then collect card data via the application fields, then call the <a class=\"\" href=\"https:\/\/docs.centralpay.com\/documentation\/developpeurs\/card-payment\/card-token\/\">cardToken<\/a> API directly using your merchantPublicKey. <\/p>\n\n<p class=\"wp-block-paragraph\">The call to the cardToken API must include an HTTP Origin header matching a URL declared in your CentralPay Merchant profile (see <a class=\"\" href=\"#2.1-d%C3%A9clarer-vos-domaines\">2.1 Prerequisites<\/a>).<\/p>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">For your tests, you can use the following Origin: https:\/\/example.centralpay.net<\/p>\n\n<pre class=\"wp-block-preformatted\">\u2139\ufe0f For native mobile applications, card data is transmitted directly from the user\u2019s device to CentralPay, without going through the merchant\u2019s servers. However, this type of integration requires ensuring compliance with the security and PCI-DSS requirements applicable to collecting and transmitting card data in a native environment. <\/pre>\n\n<h3 class=\"wp-block-heading\">2.3. Create a Customer and link a card<\/h3>\n\n<pre class=\"wp-block-preformatted\">\u2139\ufe0f The <code>cardTokenId<\/code> is a single-use token, for which the CVC is temporary (10 minutes in production, 5 minutes in RCT). After this time, the token automatically expires (status=EXPIRED) and can no longer be used, which will result in the following error: \"cardTokenId\": \"Card token already used\".   <\/pre>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">Whether you use the card immediately (one-off payment) or want to reuse it later (1-click payment, recurring, etc.), it is recommended to start by creating a Customer object, then save a Card using the <code>cardTokenId<\/code>. As 3DS 2.2 authentication can sometimes increase processing time, this sequence helps prevent the CVC associated with the <code>cardToken<\/code> from expiring. <\/p>\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Create a customer object via the <a href=\"https:\/\/docs.centralpay.com\/documentation\/developpeurs\/customer\/#\/Customer\/post_customer\">POST \/customer<\/a> endpoint, or retrieve the customerId if it is already known<\/li>\n\n\n\n<li>Create a card using <a href=\"https:\/\/docs.centralpay.com\/documentation\/developpeurs\/card-payment\/card\/#\/Card\/post_card\">POST \/card<\/a> by specifying the cardTokenId issued by token.js and the customerId<\/li>\n<\/ol>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">Once the card is linked to a customer, the CVC becomes permanent and future transactions can be initiated with no time limit.<\/p>\n\n<pre class=\"wp-block-preformatted\">If you do not use token.js (PCI-DSS certification required), you can create a card directly without using the cardToken by providing the PAN + expiry + CVC +  <code>customerId<\/code><\/pre>\n\n<h2 class=\"wp-block-heading\">3. 3DS 2.2 authentication<\/h2>\n\n<p class=\"wp-block-paragraph\">Before initiating a card transaction, you must verify the cardholder\u2019s identity via <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/card-transaction\/3ds-2-0-authentication\/\">3DS 2.2 authentication<\/a>. This step is mandatory for <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/card-transaction\/card-transaction\/\">one-off card transactions<\/a> as well as for <a href=\"https:\/\/docs.centralpay.com\/en\/documentation\/card-transaction\/recurring-card-transaction\/\">recurring card transactions<\/a>. <\/p>\n\n<pre class=\"wp-block-preformatted\">\u2139\ufe0f Exception: MoTo (Mail Order \/ Telephone Order) transactions are not subject to 3DS authentication. You can create the transaction directly after creating the card. <\/pre>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Transaction API service lets you perform an authorisation followed by a capture of funds on your customer\u2019s bank card. All card payment methods (one-off payments, recurring payments, MoTo, etc.) are managed via this service. 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