Token migration guide - Docs (2024)

Last updated: January 25, 2023

Read this page to find out how to migrate from your current service provider to Checkout.com.

To get further support, reach out to your Account Manager or [emailprotected].

Information

The migration process will take a minimum of 14 business days to complete.

To start the process, you need to request a token migration from your current service provider. There'll be a lot of sensitive data to transfer, so put us in touch with them and we can securely arrange the data move for you.

If Checkout.com hosts the Secure File Transfer Protocol (SFTP), then our integration team will:

  • forward the necessary files to you
  • provide instructions on how to understand and use the files

If Checkout.com does not host the SFTP, then you will need to give us your public SSH-RSA Key in OpenSSH format.

We will provide your current service provider with the minimum required fields for a successful migration. A secure SFTP channel will then be created, between us and your service provider, and either:

a. we will grant access for the service provider to transfer the data, orb. the service provider will grant us access to the file

In both scenarios, your service provider will use the Checkout.com public key to encrypt the files.

Information

You can download our public key from the following URL:https://cdn.checkout.com/keys/cko-pub-key-4096.txt

Once we have the file, our team will decrypt it and import it into your merchant account.

The following fields should be provided by the third-party payment service provider (PSP):

  • Customer email or other unique identifier
  • Card number
  • Card expiry month
  • Card expiry year
  • PSP card token
  • Scheme Transaction ID, when available

Information

The Scheme Transaction ID is required to continue to process subscriptions (merchant-initiated transactions).

Optionally, you can request the following additional fields:

  • Customer billing details
  • AddressLine1
  • AddressLine2
  • AddressPostal
  • AddressCountry
  • AddressCity
  • AddressState
  • Customer name
  • PSP customer ID

Once migration is completed, a .csv file is generated and sent to you. It contains the following fields:

  • Customer email, or other unique identifier
  • Checkout.com source ID (reusable card token)
  • Checkout.com customer ID
  • Previous payment provider card token (as a mapping reference)
  • Card last 4 digits
Token migration guide - Docs (2024)

FAQs

What is a plaid access token? ›

Access token

An access_token is a token used to make API requests related to a specific Item. You will typically obtain an access_token by calling /item/public_token/exchange .

What is the token migration process? ›

Token migration is the process of transferring card numbers from an existing provider to Yuno's secure vault. During this process, a new token is generated for each card, ensuring seamless continuity and security for payment processing.

Is it safe to give Plaid access to my bank account? ›

So you're asked to share your banking information and alarm bells in your head start ringing — as they should! The good news, though, is that, if the financial app you're using is powered by Plaid, it's safe to use.

What is the difference between token and access token? ›

An ID token contains the identity information about the authenticated users, and it is intended to be consumed by the front-end application. On the other hand, an access token represents a ticket with permission to consume an API.

What is my access token? ›

An access token is a compact digital artifact, typically in the form of a JSON Web Token (JWT), that grants permissions to a user (the resource owner) to access certain resources. These tokens act as an electronic key, ensuring that the user has the correct permissions to access the data they are requesting.

How do I remove Plaid access from my bank account? ›

Disconnect your bank account from Plaid
  1. To disconnect your bank account from Plaid, click Accounting on the main menu and then click Banking.
  2. When on the Banking page, look for the bank account you are trying to disconnect and click the three dots on the right of the line item.
  3. Select Disconnect Bank.

What is a token in my bank account? ›

What is a bank token? A bank token can be an easy-to-use device such as a hardware token, like a key fob, USB key, or a smart card. It can also be a soft token, such as a standalone authentication app from an app store, that is installed on a mobile device or integrated into a mobile banking application.

Why does Plaid need access to my statements? ›

We collect the data to power the services you've chosen and, when requested, securely share it with the app you're using and establish a secure connection that you control. We only share personal financial information with a consumer's permission.

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