Cards and Direct Debit Accounts Tokenization Questions

Marco Santos
Marco Santos
Second Anniversary
in Merchant Services APIs

Hey Blackbaud team and community, I have a few questions regarding the tokenization process for Cards and Direct Debit Accounts that I'd like to put all here for clarity and to centralize all of them in a single question.

  1. Is it possible to tokenize a Credit Card for future charges using Blackbaud Checkout? If yes, how can I do that? The documentation wasn't clear enough to me.
  2. Is it possible to tokenize a Bank Account for future ACH charges using Blackbaud Checkout? If yes, how can I do that? I didn't find anything related to Bank Account tokens for ACH transactions in the documentation.
  3. For how long lasts a tokenized card or bank account? I didn't find any information about this in the docs.

Please, bear in mind that regarding the tokenization process we don't want to handle sensitive information from credit cards from our donors for PCI compliance. We want to let Blackbaud handle this sensitive information for us.

The context: We want to integrate Blackbaud checkout for our embedded donation forms being used on many Non-profit webpages. There're basically two types of donations: one-time and recurring. We want to grab a token from Blackbaud checkout to be able to charge later on a recurring basis for recurring donations.

Comments

  • Mina Mistry
    Mina Mistry Blackbaud Employee
    Seventh Anniversary Kudos 2 Name Dropper Participant

    Hi Marco

    #1 - to tokenize the card entered into Blackbaud Checkout, use the card_token parameter. By specifying a GUID in this field, BBMS will create a card token that can be used for future payments. You can verify that the token exists by using this endpoint.

    Note that if you only want to tokenize the card and not create a charge, you can use the Store Card mode of Checkout.

    #2 - For ACH, you can use the Store Direct Debit mode of Checkout to tokenize the payment details.

    #3 - Tokens are saved for that BBMS account in perpetuity and do not expire.

    Hope that is helpful - thanks for posting your questions!

    Mina

  • Dean Mercer
    Dean Mercer
    Second Anniversary Name Dropper Facilitator 1

    @Mina Mistry the thing that we are unclear about is how get the token into our clients RENXT database

  • Mina Mistry
    Mina Mistry Blackbaud Employee
    Seventh Anniversary Kudos 2 Name Dropper Participant

    Hi @Dean Mercer

    This is achieved by using the SKY Gift API for RE NXT. The Gift API will allow you to create records in RE NXT for one-time gifts or create new recurring gifts.

    I have some resources here to help provide more guidance.

    • This recorded session walks through setting up a recurring gift with tokens in RE NXT via the API. The Payments API section starts at 35m and the RE NXT API starts at 52m.
    • Gift API Community where you can post questions specific about RE NXT: Gift API - Blackbaud Community

    Thank you

    Mina

  • Dean Mercer
    Dean Mercer
    Second Anniversary Name Dropper Facilitator 1

    @Mina Mistry
    thanks

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