One-Click Payments (CIT)

One-click payments allow returning customers to pay with a single click using a previously stored card. This is a Customer Initiated Transaction (CIT) flow that uses tokenization.

How It Works

The one-click flow has two phases:

1. First payment — The customer pays normally, and you request a token for future use
2. Subsequent payments — Use the stored token to charge the customer with one click

Phase 1: First Payment (Tokenization)

Create an order with one_click_type: "first" in the transaction to request tokenization:

{
  "merchant_order_id": "first-order",
  "currency": "EUR",
  "amount": 1295,
  "return_url": "https://www.example.com",
  "transactions": [
    {
      "payment_method": "credit-card",
      "one_click_type": "first"
    }
  ]
}

After a successful payment, the response will include a vault_token and first_transaction_id in the transaction object. Store these values — you'll need them for future one-click payments.

{
  "payment_method": "credit-card",
  "payment_method_details": {
    "vault_token": "abc123-stored-token",
    "first_authorised_transaction_id": "txn_def456"
  }
}

Phase 2: One-Click Payment

Use the stored vault_token to create a one-click payment:

{
  "merchant_order_id": "oneclick-order",
  "currency": "EUR",
  "amount": 995,
  "return_url": "https://www.example.com",
  "transactions": [
    {
      "payment_method": "credit-card",
      "one_click_type": "one-click",
      "vault_token": "{vault_token from phase 1}"
    }
  ]
}

[!TIP] You can use either vault_token or first_transaction_id to reference the stored card. Both work interchangeably.

CVC Handling

CVC is optional for one-click payments. If you want to collect CVC for additional security, include it in the transaction:

{
  "payment_method": "credit-card",
  "one_click_type": "one-click",
  "vault_token": "{vault_token}",
  "cvc": "123"
}

[!NOTE] One-click payments are customer-initiated (CIT). For merchant-initiated recurring charges (MIT), see Recurring Payments.