Introduction: The PayTR Saved Card Payment system allows you to receive fast and secure payments with your customers' previously saved credit cards, improving user experience and reducing payment fees. This article explains step by step how to use the require_cvv, utoken, and ctoken information returned from the PayTR CAPI List service.

Step 1: Get the User's Saved Card List

Retrieve the user's saved card information using the CAPI List service.
List these cards in your web/mobile application.

Step 2: Card Selection and CVV Check

The user selects one of the cards.
Check the require_cvv value for the selected card.
If require_cvv = 1, prompt the user to enter the CVV code.

Step 3: Sending the Payment Request

The ctoken information of the card selected by the user and the user's utoken information are added to the payment request.

Data to be Used in Token Generation:

merchant_id: Your PayTR Merchant Number
user_ip: The customer's current IP address
merchant_oid: Merchant order number
email: Customer email address
payment_amount: Order amount (multiplied by 100)
payment_type: card
installment_count: Number of installments (range 0-12)
currency: TL, EUR, USD, etc.
test_mode: 0 or 1
non_3d: 0 or 1
merchant_salt and merchant_key: Merchant-specific information

Additional Fields to be POSTed:

require_cvv: 1 or 0 depending on the selected card
ctoken: The ctoken of the selected card
utoken: The utoken belonging to the user

POST REQUEST Fields to be Sent:

All mandatory information and additionally:
- merchant_ok_url
- merchant_fail_url
- user_name, user_address, user_phone
- user_basket (JSON format)
- debug_on

CVV Requirement Example:

if($require_cvv == 1){
  echo '';
}

Important Warnings:

If require_cvv=1, CVV input must be requested.
The accuracy of ctoken and utoken information must be absolutely verified.
test_mode=1 should be used in the test environment.
The response to the Notification URL as a result of the payment must be "OK".

Advantages:

User experience increases.
Payment speed is multiplied.
Secure storage of card information is ensured.

Conclusion: It is now very easy to receive Credit Card Payments the Short Way with PayTR! You can access detailed information from the Eka Sunucu PayTR Integration Guide page and start integrating.