Axepta BNP Paribas Customer Vault feature enables you to offer your customers a seamless checkout experience. With this feature, customers can securely save their cards for future transactions, making repeat purchases faster and easier thereby improving conversion.

Merchants who are integrated to via Hosted Payment Page or Hosted Forms can enable Customer Vault feature to store buyer's card information on 's secured and compliant infrastructure.

When your customers pay on the card form, they will have the option to save their card details. Saved cards will be available for future purchases with your shop, allowing customers to:

• Select from their saved cards during checkout.

• Remove cards at any time.

Get Started

• Contact to activate this feature, if you are integrated via Hosted Payment Page or Hosted Forms.
• Once activated, you have to submit the merchantCustomerId in your payment request:
  

  { "customerInfo": { "merchantCustomerId": "cus_1234567890abcdef", "firstName": "Max", "lastName": "Mustermann", "email": "customer@example.com", "phone": { "countryCode": "+49", "number": "1236547890" } } }

Payment flow user experience

Registering new customer

Once the feature is activated for your merchant profile and you have passed the merchantCustomerId in the request then the customers see an additional consent checkbox to saved their cards for future purchase. If the customer gives their consent, the customer data and the card details are saved in .

Returning customer

Returning customers (identified by the merchantCustomerId sent in the payment request) view all their saved cards to select from and pay faster.

Managing customers

For every saved customer stores a Customer object and payment method object for each card. One customer can have many payment method objects linked if the customer has stored multiple cards.

You can view and manage customer data via UI or programmatically via our REST API. 

 UI

A new Customers section is available in the . Here you can:

• View a list of all customers

• View individual customer details

• See all cards saved by each customer

• Update customer details

• Delete a customer (also deletes their payment methods)

• Delete a specific payment method.

This gives you full control over customer and payment method records.

REST API 

All customer and payment method management actions are also available via our REST API. This allows you to build your own UI or integrate the functionality into your systems.

Available endpoints

• Customers

  • GET /customers – Retrieve a list of customers.

  • GET /customers/{id} –Retrieve details of a specific customer.

  • PATCH /customers/{id} –Update customer details.

  • DELETE /customers/{id} –Delete a customer and all associated payment methods.

• Payment methods

  • GET /customers/{id}/paymentMethods –List all payment methods for a customer.

  • GET /customers/{customerId}/paymentMethods/{paymentMethodId} –Retrieve details of a specific payment method.

  • DELETE /customers/{customerId}/paymentMethods/{paymentMethodId} –Delete a specific payment method.

Webhook notifications

Everytime a new customer or a payment method is added in during the payment processing, the information is sent to urls.webhook submitted in the payment request and Customer Vault specific webhook notification endpoint configured for your merchant profile.

Webhook URL 

A new parameter vaultInteraction is sent to the urls.webhook once the payment is completed, informing you about customer's interaction with the Customer Vault on the card form.

Possible values:

Customer vault webhook notification

The notification sent to Customer vault webhook notification endpoint is the exhaustive information about the payment method data saved in . The information sent is based on type of action the customer performed on the form.

Save a new card

Parameter description

Sample

{
	"gatewayCustomerId": "cu_841b9b1a99fc4f0",
	"merchantCustomerId": "1234567890",
	"merchantId": "demo_store_ecom",
	"scope": "demo_parent",
	"paymentMethod": {
		"action": "create",
		"id": "pm_5555b1a99fe4tg3",
		"type": "card"
		"last4Digits": "4242",
		"pseudoCardNumber": "0132332232424242" 
		"name": "Max Mustermann",
		"brand": "visa",
		"expiryDate": "202506",
		"createdAt": "2023-12-21T12:10:58.087",
		"updatedAt": "2023-12-21T12:10:58.087",
		"lastUsedAt": "2023-12-21T12:10:58.087",
	}
}

Delete an existing card 

This notification is sent when the customer is deleting the card from the payment form.

Parameter description

Sample

{
	"gatewayCustomerId": "cu_841b9b1a99fc4f0",
	"merchantCustomerId": "1234567890",
	"merchantId": "demo_store_ecom",
	"scope": "demo_parent",
	"paymentMethod": {
		"action": "delete",
		"id": "pm_5555b1a99fe4tg3",
		"type": "card"
	}
}