# Pay with stored card details

Customers can request to store their card details during a payment, which you can then use for future payments without customers having to re-enter the details.

> **Information**
>
> Only you can access [credentials stored in the Vault](https://www.checkout.com/docs/payments/store-and-manage-credentials.md).
>
>
> Customer details saved using [Remember Me](https://www.checkout.com/docs/payments/accept-payments/accept-a-payment-on-your-website/extend-your-flow-integration/enable-remember-me.md) can be accessed by all merchants with Remember Me enabled, regardless of which merchant the customer saved them with.
>
>
> You can use Remember Me to provide faster checkout for your customers with the [Flow](https://www.checkout.com/docs/payments/accept-payments/accept-a-payment-on-your-website.md), [Flow for mobile](https://www.checkout.com/docs/payments/accept-payments/accept-a-payment-on-your-mobile-app.md), [Hosted Payments Page](https://www.checkout.com/docs/payments/accept-payments/accept-a-payment-on-a-hosted-page.md), and [Payment Links](https://www.checkout.com/docs/payments/accept-payments/create-a-payment-link.md) solutions.

---

## SCA requirements

In regions that require Strong Customer Authentication (SCA), you must enable [3D Secure (3DS)](https://www.checkout.com/docs/payments/authenticate-payments/3d-secure.md) authentication for the initial payment by setting `3ds.enabled` to `true` in the initial payment request.

If you do not supply the required information, your payment request has a higher risk of declining with a `20154` response code. If this happens, we [automatically upgrade the payment to 3DS](https://www.checkout.com/docs/risk-management/3d-secure/automated-sca-soft-decline-retry.md) and retry the transaction. See [SCA compliance](https://www.checkout.com/docs/business-operations/ensure-regulatory-compliance/sca-compliance.md) for more information.

You must also set `3ds.challenge_indicator` to `challenge_requested_mandate` to prevent subsequent CNP transactions from being declined.

> **Information**
>
> If the transaction qualifies, you can also make use of [3DS exemptions](https://www.checkout.com/docs/risk-management/3d-secure/sessions/3ds-exemptions.md).

For more information, see [SCA compliance](https://www.checkout.com/docs/business-operations/ensure-regulatory-compliance/sca-compliance.md).

---

## Store card details

To enable one-click payments, or to avoid having to input their card details again for future payments, a customer may request to save their card details during a cardholder-initiated transaction (CIT).

To store your customer's card details during an initial transaction, call the [Request a payment](https://api-reference.checkout.com/tag/Payments/#operation/requestAPaymentOrPayout) endpoint with the following fields:

  - `source.store_for_future_use` – Set to `true`
  - `payment_type` – Set to `Regular`
  - `merchant_initiated` – Set to `false`

> **Information**
>
> Your base URL's `{prefix}` value is unique to your account and environment. To learn how to retrieve your base URLs for the sandbox and production environments, see [API endpoints](https://www.checkout.com/docs/developer-resources/api/api-endpoints.md).

**Production**

`POST` `https://{prefix}.api.checkout.com/payments`

**Sandbox**

`POST` `https://{prefix}.api.sandbox.checkout.com/payments`

### Request example

**Full card details**

```json
{
  "source": {
    "type": "card",
    "number": 4242424242424242,
    "expiry_month": 10,
    "expiry_year": 2026,
    "store_for_future_use": true
  },
  "amount": 5000,
  "currency": "USD",
  "payment_type": "Regular",
  "merchant_initiated": false,
  "3ds": {
    "enabled": true,
    "challenge_indicator": "challenge_requested"
  }
}
```

**Card token**

```json
{
  "source": {
    "type": "token",
    "token": "tok_4gzeau5o2uqubbk6fufs3m7p54",
    "store_for_future_use": true
  },
  "amount": 5000,
  "currency": "USD",
  "payment_type": "Regular",
  "merchant_initiated": false,
  "3ds": {
    "enabled": true,
    "challenge_indicator": "challenge_requested"
  }
}
```

**Network token**

```json
{
  "source": {
    "type": "network_token",
    "token": "4111111111111111",
    "token_type": "vts",
    "expiry_month": "10",
    "expiry_year": "2025",
    "eci": "06",
    "cryptogram": "AgAAAAAAAIR8CQrXcIhbQAAAAAA=",
    "store_for_future_use": true
  },
  "amount": 5000,
  "currency": "USD",
  "payment_type": "Regular",
  "merchant_initiated": false,
  "3ds": {
    "enabled": true,
    "challenge_indicator": "challenge_requested"
  }
}
```

### Response example

```json
{
  "id": "pay_4hlqceyyib5ezpxtpdpwfhwtda",
  "status": "Pending",
  "reference": "ORD-5023-4E89",
  "3ds": {
    "downgraded": false,
    "enrolled": "Y"
  },
  "source": {
    "type": "id",
    "id": "src_nwd3m4in3hkuddfpjsaevunhdy"
  },
  "_links": {
    "self": {
      "href": "https://{prefix}.api.sandbox.checkout.com/payments/pay_fbfrj7f3bwou5bdgmzsryd223i"
    },
    "actions": {
      "href": "https://{prefix}.api.sandbox.checkout.com/payments/pay_fbfrj7f3bwou5bdgmzsryd223i/actions"
    },
    "redirect": {
      "href": "https://{prefix}.api.sandbox.checkout.com/redirect/act_y3oqhf46pyzuxjbcn2giaqnb44"
    }
  }
}
```

The response returns a payment instrument value in the `source.id` field, which you can use to request future payments with the stored card details.

---

## Request a payment with stored card details

To request a payment with stored card details, call the [Request a payment](https://api-reference.checkout.com/tag/Payments/#operation/requestAPaymentOrPayout) endpoint, setting:

- The `payment_type` field to `Regular`.
- The `source` object to the payment instrument values:
  - The `type` field to `id`.
  - The `id` field to the `source.id` value you received when storing the card details.

### Request example

```json
{
  "source": {
    "type": "id",
    "id": "src_nwd3m4in3hkuddfpjsaevunhdy"
  },
  "amount": 5000,
  "currency": "USD",
  "payment_type": "Regular",
  "merchant_initiated": false,
  "3ds": {
    "enabled": true,
    "challenge_indicator": "no_challenge_requested"
  }
}
```

> **Note**
>
> If you process a payment with full card details or network tokens stored in a card-on-file system external to Checkout.com, you must set `source.stored` to `true` in the request.

**Full card details**

```json
{
  "source": {
    "type": "card",
    "number": 4242424242424242,
    "expiry_month": 10,
    "expiry_year": 2026,
    "stored": true
  },
  "amount": 5000,
  "currency": "USD",
  "payment_type": "Regular"
}
```

**Network token**

```json
{
  "source": {
    "type": "network_token",
    "token": "4111111111111111",
    "token_type": "vts",
    "expiry_month": "10",
    "expiry_year": "2025",
    "eci": "06",
    "cryptogram": "AgAAAAAAAIR8CQrXcIhbQAAAAAA=",
    "stored": true
  },
  "amount": 5000,
  "currency": "USD",
  "payment_type": "Regular"
}
```

---

## Related topics

- [Recurring payments with stored card details](https://www.checkout.com/docs/payments/accept-payments/pay-with-stored-card-details/recurring-payments-with-stored-card-details.md): Learn how to request recurring payments with stored card details.
- [Unscheduled payments with stored card details](https://www.checkout.com/docs/payments/accept-payments/pay-with-stored-card-details/unscheduled-payments-with-stored-card-details.md): Learn how to request unscheduled payments with stored card details.
- [Pay with tokenized CVV](https://www.checkout.com/docs/payments/accept-payments/pay-with-stored-card-details/pay-with-tokenized-cvv.md): Learn how to request payments with a stored CVV.