Saving an echeck token with the API

Gathering and saving echeck information (also known as tokenization) allows that customer to use that echeck in a future transaction.

This tutorial is for situations where you send echeck information directly to Nexio rather than from a customer providing that information through a webpage, such as situations when you have existing echeck information from a database that you need to tokenize with Nexio.

To save an echeck token directly through the Nexio API, do the following:

1. First, contact Integrations Support to ensure your merchant ID and account have access to the proper API endpoint.

   (You may be asked to provide additional information such as Gateway, TokenEx, or Kount credentials.)

2. Send a POST request to the Create one-time-use token endpoint.
   (Do not include any bank information or other body parameters—you will do that in step 3.)

   Example API request

   curl -X POST https://api.nexiopaysandbox.com/pay/v3/token \
     -H 'Content-Type: application/json' \
     -H 'Accept: application/json' \
     -H 'Authorization: Basic [Base64_encoded_login]'
     -d '{}'
   

   
   

   Copy or store the token from Nexio's response. It will be used in the next step.

   Example 200 response

   {
     "expiration": "2018-09-18T15:43:05.664Z",
     "fraudUrl": "https://api.nexiopaysandbox.com/pay/v3/fingerprint?token=01080f80-76b8-4363-845d-67e8623bf170",
     "token": "830d36f6-a5e3-4455-9600-3a55b63e2fc2"
   }
   

   
   

3. Send a POST request to the Save echeck token endpoint.. Include the token from step 2 and the bank information that you have in the body of your request.

   Nexio requires at least the following values:

   • bank.accountHolderName
   • bank.routingNumber
   • Either bank.encryptedBankAccountNumber or tokenex.token (an existing TokenEx echeck token)
   Example Save card token request

   curl -X POST https://api.nexiopaysandbox.com/pay/v3/saveCard \
     -H 'Content-Type: application/json' \
     -H 'Accept: application/json' \
     -H 'Authorization: Basic [Base64_encoded_login]'
     -d '{
     "bank": {
       "accountHolderName": "John Doe",
       "routingNumber": "231375151",
       "encryptedNumber": "cu3yRktaYFK2LUC6DpNK289tYDsGRCi7cO+GeG0hkeYFvT7Y8/oY5r53obMz6Q/BZ38gk2u2Ufwy8ojBcX2sfNjG5jplGTXA4NNlSIUjMFfiHe1sff1JFpThoiW/IIlifGlbWu+S1/9pqWPTzJ2+DcjwohbHzsDahhYewFhXgC8qsK0ypi/Shlp+CwRITyIvbVXESD0xz3YOTRHeZLlChvVqN8z4ZzN8nm0MXkmT1wcpYI73bH4KdnPwNU3s7XxvP/ernQP73SHHAOKSLlz4F6AEHFjJiCoXzeLF7LwEjRdxDJ0sKVXbRk3i9BGh+8Nle2VYgjpUWtk2763QkvZiQQ==",
     },
     "token": "eb50a022-d6de-4244-a1e6-dcb8522b2d19"
   }'
   

   The response includes token.token. This is the saved echeck token that you should save to your server or database for that customer to use with future transactions.