Tokenization is substituting sensitive customer payment details with a non-sensitive token to reduce risk. For example, a unique recurring ID is created to replace credit card details, which is encrypted as a unique string of numbers that is automatically issued in real-time. The token is used online in approved environments to complete the payment.

Customers can then complete payments in one step by selecting the stored token in their account. Customers may have multiple tokens.

Tokenization is mainly used for credit card, recurring, and subscription payments, but is also available for bank payment methods.

Supported payment methods

  • Visa
  • Mastercard
  • Maestro
  • Amex
  • iDEAL
  • Sofort
  • Direct debit

Recurring models

MultiSafepay offers three recurring models:

  • Card on file (COF): The cardholder has authorized you to store their card details.
  • Subscription: An agreement or services that are billed at the end of your billing cycle, e.g. weekly, monthly.
  • Unscheduled: Event-triggered, e.g. mobile top-up when no credit left on the phone.

Our SDKs support all three models. Our plugins use COF only.


To use tokenization via our API, see API reference – Tokenization and recurring model.

Note: Tokens for SEPA Direct Debit “DIRDEB” transactions are originally received as iDEAL or Sofort transactions.

Additional parameters

Parameter Type Description
type string The payment flow for the checkout process. Options: direct, redirect.
gateway string The unique gateway_id to redirect the customer to the specific payment method. Retrieve gateways using a GET /gateway request.
recurring_id string A randomly generated recurring ID for the customer.
reference string The customer’s reference number for the token.
recurring_model string The type of recurring model to use. Options: unscheduled, cardOnFile, subscription.

Via plugins

Make sure you have enabled credit card payments and Recurring Payments in your MultiSafepay account.

Email your request to enable tokenization to your account manager at [email protected]

Supported MultiSafepay plugins

We support tokenization in our plugins for:


Propose a change on GitHubexternal-link-icon or
send an email to [email protected]

Other languages

For an explanation in another language, contact your account manager.