Payments with Instrument Identifier Tokens

This page describes payment operations using instrument identifier tokens. You can authorize payments with an existing instrument identifier token, create an instrument identifier while processing a payment, and issue credits.

Create Instrument Identifier with Validated Payment Details

You can create an instrument identifier while simultaneously validating the payment details using a single API request. This approach allows you to ensure that the payment information is valid before storing it as a token.

Endpoint

POST /pts/v2/payments

{  "card": {    "number": "4111111111111111",    "expirationMonth": "12",    "expirationYear": "2025",    "securityCode": "123"  },  "billTo": {    "address1": "123 Main St",    "locality": "San Francisco",    "postalCode": "94105",    "country": "US"  }}

{  "id": "7010000000016241111",  "object": "instrumentIdentifier",  "state": "ACTIVE",  "card": {    "number": "411111XXXXXX1111",    "expirationMonth": "12",    "expirationYear": "2025"  },  "processingInformation": {    "authorizationOptions": {      "initiator": "MERCHANT"    }  },  "validationStatus": "SUCCESS",  "metadata": {    "creator": "testrest"  }}

Field	Type	Description
`card.number`	string	Primary account number.
`card.expirationMonth`	string	Card expiration month in two-digit format. For example, `12`.
`card.expirationYear`	string	Card expiration year in four-digit format. For example, `2025`.

Optional Fields

Field	Type	Description
`card.securityCode`	string	Card security code (`CVV`).
`billTo.address1`	string	The first line of the billing street address.
`billTo.locality`	string	City in the billing address.
`billTo.postalCode`	string	ZIP or postal code in the billing address.
`billTo.country`	string	Country of the billing address. Use the two-character ISO Standard Country Code.

Authorize a Payment with an Instrument Identifier

You can authorize a payment using an instrument identifier token instead of sending full card details. The authorization request uses the stored instrument identifier to process the transaction.

Endpoint

POST /pts/v2/payments

{  "processingInformation": {    "instrumentIdentifier": {      "id": "7010000000016241111"    }  },  "orderInformation": {    "amountDetails": {      "totalAmount": "100.00",      "currency": "USD"    }  }}

{  "id": "7100000000000000001",  "submitTimeUtc": "2026-07-16T19:00:15Z",  "status": "AUTHORIZED",  "processingInformation": {    "instrumentIdentifier": {      "id": "7010000000016241111"    }  },  "orderInformation": {    "amountDetails": {      "authorizedAmount": "100.00",      "currency": "USD"    }  },  "riskInformation": {    "score": "0"  }}

Field	Type	Description
`processingInformation.instrumentIdentifier.id`	string	The instrument identifier token ID.
`orderInformation.amountDetails.totalAmount`	string	The transaction amount.

Make a Credit with an Instrument Identifier

You can issue a credit to an instrument identifier using a POST request to the credit endpoint.

Endpoint

POST /pts/v2/credits

{  "processingInformation": {    "instrumentIdentifier": {      "id": "7010000000016241111"    }  },  "orderInformation": {    "amountDetails": {      "totalAmount": "50.00",      "currency": "USD"    }  }}

{  "id": "7200000000000000001",  "submitTimeUtc": "2026-07-16T19:00:15Z",  "status": "COMPLETED",  "processingInformation": {    "instrumentIdentifier": {      "id": "7010000000016241111"    }  },  "orderInformation": {    "amountDetails": {      "creditAmount": "50.00",      "currency": "USD"    }  }}

Field	Type	Description
`processingInformation.instrumentIdentifier.id`	string	The instrument identifier token ID.
`orderInformation.amountDetails.totalAmount`	string	The credit amount.

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Last published: September 29, 2026