iCharge Logo  iCharge™ Token Payments
If your business needs to make credit card charges on a recurring basis, multiple times, or at some time in the future, you need to store the card details somewhere secure. Don't risk storing card data yourself. Instead store it in the iCharge Card Store - a secure database that resides in our PCI-compliant environment.




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iCharge JX iCharge xServ iCharge Web Virtual Terminal

A Token is a unique key that refers to a credit card that is stored in the iCharge Card Store. Each stored card is assigned a token that your application can safely store in your system since the token is of no value to anyone else but yourself.

Whenever you need to charge the stored card, your application issues a payment request quoting the token and the amount to be charged. iCharge uses the token to unlock the card details and processes the payment in the usual way.

Token payments and token management are delivered over an Application Programming Interface (API) and a User Interface (UI). For integration to your applications, use the tokenization Methods of the xServ API.

You can also manually manage all your tokens using the UI provided under PayManager, the merchant administration system.

An automated card expiry alert service is included to remind cardholders when their cards are nearly expired or have expired.


  • Membership subscriptions of any kind
  • Periodic billing
  • Instalment payments
  • Automatic top-up of prepaid accounts
  • Deferred charges, where charges are applied some time after the card details are taken
  • Member ordering: one-time registration of credit card so future purchases don't need credit card
  • Pledges for regular contributions, for example charity donation programs
  • Group buying or crowd funding, where the charge may or may not be applied depending on whether a target is reached
  • Taking a credit card as a booking deposit, so that a fee may be charged in case of no-show
  • Dynamic pricing models where the final payment amount is not known until the deal is closed