Tokenized Payments

Tokenized Payments enable merchants to charge returning users without redirecting them through a full checkout flow. Once a user links their ShopBack account, the merchant receives a reusable payment token that can be used to initiate payments on their behalf.

There are two main flows:

Account Linking

The process of obtaining a payment token for a user. The merchant initiates a link session, redirects the user through ShopBack's consent flow, and exchanges the resulting auth code for a long-lived payment token tied to that user and merchant channel.

Pre-Authorization

The process of charging a linked user. The merchant places a hold on funds using a payment token (pre-auth), then either:

• Captures the hold to settle the payment, or
• Voids it to release the funds

An immediate charge endpoint is also available for one-shot payments that skip the separate hold step.