Overview

CardSecure is CardConnect's sensitive data encryption and tokenization service. Our new JSON API provides an even simpler integration to CardSecure.

This guide provides information for developers looking to integrate CardSecure's tokenization and encryption methods using the CardSecure API. For information on integrating CardSecure with your iOS or Android mobile application, see our CardSecure Mobile SDKs.

If you're already integrating the legacy CardSecure API with your application, see the Legacy CardSecure API Developer Guide.

REST Implementation

The CardSecure web service uses the JSON (JavaScript Object Notation) method of encoding data for transmission via the HTTP network protocol. Most programming languages have libraries to convert an arbitrary object to and from a JSON data transfer encoding.

The CardSecure API provides a library of POST operations used to submit HTTP requests to the web service. Responses are returned in JSON objects. See CardSecure API Service Endpoints for detailed information on the supported request types and corresponding responses.

Tokenizing and Encrypting Data

CardSecure provides encryption and tokenization services with a secure data vault typically used to store payment card Primary Account Numbers (aka PANs) in a PCI-DSS compliant manner. CardSecure generates a unique and random token value to be used by your application instead of a clear or encrypted PAN, potentially reducing PCI scope considerably.

If your application is using a database with sufficient encryption, CardSecure can tokenize data without additional encryption.

Understanding Tokens

Consider the following points when handling tokens:

Tokens generated from payment card data can be used to process authorizations via the CardPointe Gateway API.
Tokens never expire.
Tokens can be alpha-numeric. The format of the token is driven by the specific key format used.
Credit card tokens are generally 16 digit numeric tokens.
- The token begins with a 9.
- The second and third digits of a token represent the first and second digits of the card.
- The last 4 digits of the token represent the last 4 digits of the card.

Tokenizing Card Data for Card-Present Transactions

CardSecure supports tokenization of card data captured using an encrypted credit card reader or terminal. For a list of supported terminal devices, see https://support.cardconnect.com/device-integration.

When a credit card is swiped or inserted at a supported terminal, the extracted encrypted data can be submitted to CardSecure for direct tokenization.

CardSecure does not support passing unencrypted track data. The encrypted data extracted from the device must be produced from a device pre-injected with a CardConnect Security Key. If testing is required using non-encrypted track, the data can be tokenized via the CardConnect gateway (as part of an authorization), or the Personal Account Number (PAN) must be parsed and sent directly with a tokenization request.

CardSecure decrypts the encrypted swipe data and generates a token for the card number. CardSecure also stores the card’s encrypted track data for a short period of time, after which it is discarded. The default retention period for track data is 24 hours.

If the token is used in an authorization request to the CardPointe Gateway during this retention period, the stored track data associated with the token is sent to the processor; this potentially allows the transaction to run as a "card present" transaction. The track data is discarded after the authorization request, and can only be used in a single request.

Encrypting and Tokenizing Payment Account Data

CardSecure allows clients to encrypt the account data sent in a tokenization request using a site-specific RSA public key. CardConnect generates a unique RSA key pair, provides the public key (in X.509 format) to the client, and retains the private key.

Data must be encrypted using RSA encryption in ECB mode with PKCS1 padding.

Depending on the encryption utility used, the encrypted data might be Base64-encoded. In this case, the string can be URL-encoded and sent to CS for tokenization. Otherwise, you must Base64-encode the data before submitting the tokenization request.

CardSecure uses the corresponding private key to tokenize and decrypt the data. The decrypted data is temporarily stored in CardSecure's vault, and the token (generated from the encrypted data) is returned to your application for use in an authorization request to the CardPointe Gateway. Note that the token itself is not encrypted.

Note the following restrictions:

CardSecure only supports encrypted Personal Account Number (PAN) data. Track data is not supported in an encryption request.
CardSecure encryption is not supported for use with CardConnect P2PE devices (Ingenico or IDTECH) due to the encryption key already configured within the terminals.

Developer Resources

The following resources are available to simplify your integration.

Sample Postman Collection

To help you get started with your integration, CardConnect, provides a sample Postman Collection that includes a template of the CardSecure API service endpoints.

The CardSecure API Integration collection includes an API reference document as well as a sample Environment, to simplify your integration.

Click the button below to download the CardSecure API Integration collection:

Configuring Your Postman Environment

Environment variables allow you to autofill select fields with pre-configured values. For example set the {{site}} and {{port}} variables to the subdomain and port provided by CardConnect.

CardSecure API Service Endpoints

The following table lists the CardSecure API service endpoints and their functions. These endpoints are described in greater detail in the following sections.

Complete List of CardSecure API Service Endpoints

Service	API Version	Description
tokenize	v1	Tokenizes sensitive data provided in the request, and returns a CardSecure token.
echo	v1	Sends a ping command to the CardSecure server to verify the connection.

tokenize

A request to the tokenize endpoint returns a CardSecure token generated from the data provided in the request.

A tokenize request includes payment account data in either the account or devicedata field. Use the account field to provide a clear or encrypted payment account number (PAN). Use the devicedata field to provide track data received from a terminal device for an MSR (swipe), EMV (chip), or NFC (contactless) transaction.

If the account data is encrypted, include the encryptionhandler parameter to instruct CardSecure to decrypt the data using the private key for your site.

The tokenize response includes a token generated from the account data. You can then use this token to submit an authorization request to the CardPointe Gateway.

Endpoint URL

The URL for the tokenize endpoint is:

https://<site>.cardconnect.com:<port>/cardsecure/api/v1/ccn/tokenize

Request Header

Tokenize Request Example (Unencrypted Manual Card Entry)

POST /cardsecure/api/v1/ccn/tokenize HTTP/1.1
Content-Type: application/json

{
  "account" : "4444333322221111"
}

Tokenize Request Example (Bolt Terminal Entry)

POST /cardsecure/api/v1/ccn/tokenize HTTP/1.1
Content-Type: application/json

{
  "devicedata" : "ingenico;st='OK';t1='';t2=';0228...",
  "source" : "Bolt",
  "signature" : "sig"
}

Example Successful Tokenize Response

HTTP/1.1 200 OK
Content-Type: application/json

{
  "message" : "No Error",
  "errorcode" : 0,
  "token" : "9417119164771111"
}

The following key/value pair is required in the request header:

Key	Value
Content-Type	application/json

Request Parameters

Fields in bold are required.

Either account or devicedata are required. Use account when manually entering encrypted or clear PANs. Use devicedata when capturing card data from a card reader or terminal device.

Field	Description
account	A clear or encrypted payment account number (PAN). If `encryptionhandler` is provided, account is treated as an encrypted PAN.
devicedata	Encrypted track data retrieved using a card reader or terminal device (MSR/EMV/NFC).
source	The source application requesting the token, for example Bolt or TRA (CardPointe Terminal).
signature	Signature data, if captured. Data must be a Base64-encoded, Gzipped bitmap (BMP).
encryptionhandler	If the account data is encrypted, specify RSA for CardSecure to handle the encrypted data using the RSA private key for your site.
unique	Specifies whether or not a unique token should be generated. Specify true to generate a unique token. Defaults to false.

Response Parameters

Field	Description
message	The status of the request. Returns "No Error" if the request was successful. Returns a descriptive error message if the request failed. See Error Codes and Messages for a complete list of possible error codes and messages.
errorcode	An error code, if the request encountered an error. Returns "0" if the request was successful. See Error Codes and Messages for a complete list of possible error codes and messages.
token	The token generated from the request data.

echo

A call to the echo service endpoint sends a ping command to the CardSecure server to verify the application's connection. You can include a message in the request, which is returned in the response if the request is successful. If the request fails, an error message is returned with a corresponding error code.

Endpoint URL

The URL for the tokenize endpoint is:

https://<site>.cardconnect.com:<port>/cardsecure/api/v1/echo

Request Header

Example echo Request

POST /cardsecure/api/v1/echo HTTP/1.1
Content-Type: application/json

{
  "message" : "Hello?"
}

Example echo Response

HTTP/1.1 200 OK
Content-Type: application/json

{
  "message" : "Hello?",
  "errorcode" : 0  
}

The following key/value pair is required in the request header:

Key	Value
Content-Type	application/json

Request Parameters

Fields in bold are required.

Field	Description
message	A message to send in the ping request and receive in the response. The value can be blank, however the message field must be included in the request.

Response Parameters

Field	Description
message	The `message` value included in the request. Returns a descriptive error message if the request failed. See Error Codes and Messages for a complete list of possible error codes and messages.
errorcode	An error code, if the request encountered an error. Returns "0" if the request was successful. See Error Codes and Messages for a complete list of possible error codes and messages.

Error Codes and Messages

The CardSecure server generates error messages to its log file for various conditions. If a request encounters an error, an error code and corresponding message are returned in a response to the calling application.

The following table lists all errors generated by CardSecure.

All error codes contain four digits. Two zeros precede the codes listed below.

CardSecure Error Codes and Messages

Error Code	Reason
00	No error.
03	Wrong version number.
07	Invalid action.
08	Data is not decimal digits.
12	Key ID is not found.
13	Data is too long.
14	Data is empty.
16	Unknown algorithm.
17	Encryption failure.
19	Base 64 decode failure.
20	Crypto data is the wrong length.
21	Data is too short.
22	CCN wrong length on decryption.
24	Decryption failure.
25	Bad PKCS 5 padding.
26	Bad decrypted length field.
27	Keystore not initialized.
33	Application not initialized.
35	Buffer too short.
38	Illegal characters.
39	Wrong message length.
43	Server failed.
44	Config item is bad.
46	Token database problem.
47	Unauthorized host.
48	Token purged.
49	Data not found.
50	Error hashing the value.
53	Token or data duplicate.
54	Card number check (Luhn formula) failed.
55	Missing or unknown site name.
56	Token format is bad.
57	Request signature is invalid.
58	Request signature timestamp expired.
59	Request signature mismatch.
60	Request signature failure.
61	PIN translation failure.
63	Keystore import failure.
64	Keystore userstore failure.
65	Keystore invalid processor.
66	Unauthorized terminal.
68	Keystore rollback failure.
71	Unauthorized decrypt.
72	Invalid EMV tag data.
73	EMV tag data empty.
74	Missing required parameter.
75	Invalid elliptic curve type parameter.
76	JSON serialization error.
77	JSON deserialization error.
78	Invalid swipe data.