Save cards for purchase later with the JavaScript SDK

Save payment methods to charge payers after a set amount of time. For example, you can offer a free trial and charge payers after the trial expires. Payers don't need to be present when charged. No checkout required.

Use the SDK to save a payer's card if you aren't PCI Compliant - SAQ A but want to save credit or debit cards.

Availability

Know before you code

• You are responsible for the front-end user experience. The JavaScript SDK provides back-end support.

• To save payment methods, you must be able to identify payers uniquely. For example, payers create an account and log in to your site.
• Complete the steps in Get started to get the following sandbox account information from the Developer Dashboard:
  • Your sandbox account login information
  • Your access token

• You'll need an existing advanced credit and debit integration. PayPal must approve your business account for advanced credit and debit card payments.

How it works

PayPal encrypts payment method information and stores it in a digital vault for that customer.

1. The payer saves their payment method.
2. For a first-time payer, PayPal creates a customer ID. Store this within your system for future use.
3. When the customer returns to your website and is ready to check out, pass their PayPal-generated customer ID to the JavaScript SDK. The customer ID tells the JavaScript SDK to save or reuse a saved payment method.
4. The payer completes a billing agreement.
5. The JavaScript SDK populates the checkout page with each saved payment method. Each payment method appears as a one-click button next to other ways to pay.

The checkout process is now shorter because it uses saved payment information.

1. Set up account to save payments

Set up your sandbox and live business accounts to save payment methods:

1. Log in to the Developer Dashboard.
2. Under REST API apps, select your app name.
3. Under Sandbox App Settings > App Feature Options, check Accept payments.
4. Expand Advanced options. Confirm that Vault is selected.

2. Add SDK to HTML page

Pass your client ID and merchant ID to the SDK to identify yourself and the merchant you're saving payment methods for. Replace CLIENT-ID with your app's client ID and MERCHANT-ID in the following sample:

1<script src="https://www.paypal.com/sdk/js?components=card-fields&client-id=CLIENT-ID&merchant-id=MERCHANT-ID"</script>

Modify the code

Copy the code sample and modify it as follows:

• Change CLIENT_ID to your client ID.
• Change MERCHANT_ID to your merchant ID.

3. Create setup token

You request a setup token from your server. Pass the setup token from your server to the SDK with the createVaultSetupToken callback.

The createVaultSetupToken callback:

• Calls the server endpoint you created to generate and retrieve the setup token.
• Makes a request to your server endpoint.

Then, your server uses its access token to create and return the setup token to the client.

Any errors that occur while creating a setup token show up in the onError callback provided to the card fields component.

Create a setup token for cards that have:

• No verification
• 3D Secure verification

Supported callback

Front-end sample

1// Client side
2      const cardFields = paypal.CardFields({
3          createVaultSetupToken: () => {
4        // The merchant calls their server API to generate a vaultSetupToken
5        // and return it here as a string
6        const result = await fetch("example.com/create/setup/token")
7        return result.token
8          }
9          onApprove: ({ vaultSetupToken }) => {
10        // Send the vaultSetupToken to the merchant server to use later.
11          }
12      })

Back-end sample

Make this request from your server.

1curl -v -k -X POST https://api-m.sandbox.paypal.com/v3/vault/setup-tokens \
2 -H "Content-Type: application/json" \
3 -H "Authorization: Bearer ACCESS-TOKEN" \
4 -H "PayPal-Auth-Assertion: PAYPAL-AUTH-ASSERTION" \
5 -H "PayPal-Partner-Attribution-Id: BN-CODE" \
6 -H "PayPal-Request-Id: REQUEST-ID" \
7 -d '{
8    "payment_source": {
9    "card": {
10        "name": "Firstname Lastname",
11        "billing_address": {
12            "address_line_1": "123 Main St.",
13            "address_line_2": "Unit B",
14            "admin_area_2": "San Jose",
15            "admin_area_1": "CA",
16            "postal_code": "12345",
17            "country_code": "US"
18        },
19        "experience_context": {
20            "brand_name": "EXAMPLE INC",
21            "locale": "en-US",
22            "return_url": "https://example.com/returnUrl",
23            "cancel_url": "https://example.com/cancelUrl"
24        }
25    }
26}
27}'

4. Initialize card fields to save data

After the SDK has a setup token, it renders card fields for the payer to submit card details. The SDK then returns the vaultSetupToken to the merchant through the onApprove callback.

When you complete this step, CardFields are ready to save card details for later use.

Supported callback

Front-end sample

1const cardFields = paypal.CardFields({
2  createVaultSetupToken: () => {
3    // The merchant calls their server API to generate a vaultSetupToken
4    // and return it here as a string
5    const result = await fetch("merchant.com/create/setup/token")
6    return result.token
7  }
8  onApprove: ({
9    vaultSetupToken
10  }) => {
11    // Send the vaultSetupToken to the merchant server
12    // for the server to generate a payment token
13        return fetch("example.com/create/payment/token", { body: JSON.stringify({ vaultSetupToken }) })
14  },
15})

Back-end sample

Make this request from your server.

1curl -v -k -X POST https://api-m.sandbox.paypal.com/v3/vault/payment-tokens \
2 -H "Content-Type: application/json" \
3 -H "Authorization: Bearer ACCESS-TOKEN" \
4 -H "PayPal-Auth-Assertion: PAYPAL-AUTH-ASSERTION" \
5 -H "PayPal-Partner-Attribution-Id: BN-CODE" \
6 -H "PayPal-Request-Id: REQUEST-ID" \
7 -d '{
8      "payment_source": {
9          "token": {
10              "id": "VAULT-SETUP-TOKEN",
11              "type": "SETUP_TOKEN"
12          }
13      }
14  }'

Avoid validation errors

CardFields can't be configured with both the createOrder callback and the createVaultSetupToken callback. When saving cards, only pass createVaultSetupToken.

1// Throws a validation error: can't call both 'createVaultSetupToken' and 'createOrder'
2paypal.CardFields({
3    createVaultSetupToken: () => {...},
4    createOrder: () => {...}
5})

5. Show error page

If an error prevents checkout, alert the payer that an error has occurred using the onError callback.

Note: This script doesn't handle specific errors. It shows a specified error page for all errors.

1paypal.CardFields({
2        onError(err) {
3          console.error("Something went wrong:", err)        
4        }
5      })

Supported callback

6. Show saved payment methods to returning payers

When a payer returns to your site, you can show the payer's saved payment methods with the Payment Method Tokens API.

List all saved payment methods

Make the server-side list all payment tokens API call to retrieve payment methods saved to a payer's PayPal-generated customer ID. Based on this list, you can show all saved payment methods to a payer to select during checkout.

Important: Don't expose payment method token IDs on the client side. To protect your payers, create separate IDs for each token and use your server to correlate them.

Sample request: List all saved payment methods

1curl -L -X GET https://api-m.sandbox.paypal.com/v3/vault/payment-tokens?customer_id=CUSTOMER-ID \
2 -H "Content-Type: application/json" \
3 -H "Accept-Language: en_US" \
4 -H "Authorization: Bearer ACCESS-TOKEN" \
5 -H "PayPal-Auth-Assertion: PAYPAL-AUTH-ASSERTION" \
6 -H "PayPal-Partner-Attribution-Id: BN-CODE" \
7 -H "PayPal-Request-Id: REQUEST-ID" \
8 -d '{}'

Show saved card to payer

Display the saved card to the payer and use the Orders API to make another transaction. Use the vault ID the payer selects as an input to the Orders API to capture the payment.

Use supported CSS properties to style the card fields. We recommend showing the card brand and last 4 digits.

7. Integrate back end

The following sample shows a complete back-end integration to save cards for purchase later:

1import "dotenv/config";
2      import express from "express";
3      const { PORT = 8888 } = process.env;
4      const app = express();
5      app.set("view engine", "ejs");
6      app.use(express.static("public"));
7      // Create setup token
8      app.post("/api/vault/token", async (req, res) => {
9        try {
10           // Use your access token to securely generate a setup token
11           // with an empty payment_source
12          const vaultResponse = await fetch("https://api-m.sandbox.paypal.com/v3/vault/setup-tokens", {
13              method: "POST",
14              body: JSON.stringify({ payment_source: {} }),
15              headers: {
16                  "Authorization": "Bearer ${ACCESS-TOKEN}",
17                  "PayPal-Request-Id": Date.now(),
18                  "PayPal-Auth-Assertion":"PAYPAL-AUTH-ASSERTION",
19                  "PayPal-Partner-Attribution-Id":"BN-CODE"
20              }
21          })
22          // Return the reponse to the client
23          res.json(vaultResponse);
24        } catch (err) {
25          res.status(500).send(err.message);
26        }
27      })
28      // Create payment token from a setup token
29      app.post("/api/vault/:setupToken", async (req, res) => {
30        const { setupToken } = req.params;
31        try {
32          const paymentTokenResult = await fetch(
33              "https://api-m.sandbox.paypal.com/v3/vault/payment-tokens",
34              {
35                method: "POST",
36                body: {
37                    payment_source: {
38                        token: {
39                            id: setupToken,
40                            type: "SETUP_TOKEN"
41                        }
42                    }
43                },
44                headers: {
45                  "Authorization": "Bearer ${ACCESS-TOKEN}",
46                  "PayPal-Request-Id": Date.now(),
47                  "PayPal-Auth-Assertion":"PAYPAL-AUTH-ASSERTION",
48                  "PayPal-Partner-Attribution-Id":"BN-CODE"
49                }
50              })
51          const paymentMethodToken = paymentTokenResult.id
52          const customerId = paymentTokenResult.customer.id
53          await save(paymentMethodToken, customerId)
54          res.json(captureData);
55        } catch (err) {
56          res.status(500).send(err.message);
57        }
58      })
59      const save = async function(paymentMethodToken, customerId) {
60          // Specify where to save the payment method token
61      }
62      app.listen(PORT, () => {
63        console.log('Server listening at http://localhost:${PORT}/');
64      })

8. Integrate front end

The following sample shows how a full script to save cards might appear in HTML:

1<!DOCTYPE html>
2<html>
3<head>
4  <!-- Add meta tags for mobile and IE -->
5  <meta charset="utf-8" />
6</head>
7<body>
8  <!-- Include the PayPal JavaScript SDK -->
9  <script src="https://www.paypal.com/sdk/js?components=card-fields&client-id=YOUR-CLIENT-ID&currency=USD&intent=capture&merchant-id=YOUR-MERCHANT-ID"></script>
10  <div align="center"> or </div>
11  <!-- Advanced credit and debit card payments form -->
12  <div class='card_container'>
13    <div id='card-number'></div>
14    <div id='expiration-date'></div>
15    <div id='cvv'></div>
16    <div id='card-holder-name'></div>
17    <label>
18      <input type='checkbox' id='vault' name='vault' /> Vault
19    </label>
20    <br><br>
21    <button value='submit' id='submit' class='btn'>Pay</button>
22  </div> ​
23  <!-- Implementation -->
24  <script>
25    const cardFields = paypal.CardFields({
26          createVaultSetupToken: async () => {
27            // The merchant calls their server API to generate a setup token
28            // and return it here as a string
29            const result = await fetch("https://example.com/api/vault/token", {
30              method: "POST"
31            });
32            const { id } = await result.json();
33            return id;
34          },
35          onApprove: async (data) => {
36              return fetch(`https://example.com/api/vault/${data.vaultSetupToken}`, {
37                method: "POST"
38              });
39          },
40          onError: (error) => console.error('Something went wrong:', error)
41        })
42        // Check eligibility and display advanced credit and debit card payments
43        if (cardFields.isEligible()) {
44          cardFields.NameField().render("#card-holder-name");
45          cardFields.NumberField().render("#card-number");
46          cardFields.ExpiryField().render("#expiration-date");
47          cardFields.CVVField().render("#cvv");
48        } else {
49          // Handle the workflow when credit and debit cards are not available
50        }
51        const submitButton = document.getElementById("submit"); submitButton.addEventListener("click", () => {
52          cardFields
53            .submit()
54            .then(() => {
55              console.log("submit was successful");
56            })
57            .catch((error) => {
58              console.error("submit erred:", error);
59            });
60        });
61  </script>
62</body>
63</html>

9. Test saving cards

Use the following card numbers to test transactions in the sandbox:

Test your integration to see if it saves credit and debit cards as expected. Any errors that occur appear in the onError callback provided to the CardFields component.

1. Render the card fields.
2. Create a save button in your UI.
3. When the save button is selected:
   1. Create a setup token.
   2. Update the setup token with card details.
4. On your server, use a server-side call to swap your setup token for a payment token from the Payment Method Tokens API.
   1. For a first-time payer, save the PayPal-generated customer.id.
   2. For a returning payer, use the PayPal-generated customer.id to swap the setup-token for a payment-token.
5. Save the payment-token for future use.
6. Show saved payment methods:
   1. Make a server-side call to the list all payment tokens endpoint. Include the PayPal-generated customer.id.
   2. Style the card fields.

Optional: Show saved payment methods

We recommend creating a page on your site where payers can see their saved payment methods as in the following example:

Next step

Go live with your integration.