Save a Card Only

Maya Card Payment Vault allows merchants to securely store a customer's card details after purchase

Go to our demo website (beta version) and see how Vault works.

How Maya Vault Works

Use the generated unique token depending on your target user journey within your application or website.

Expand this section to learn more

Customer Journey

Key Features

Vaulted Cards for On-Demand Payments ⭐️

Recommended by most of Maya’s Partners! Store your customer’s payment credentials securely in Maya Card Payment Vault and use the unique token in making payments at your own scheduling.

Learn more →

Secure Card Tokenization for One-time Card Payment

A secure way on handling card information by using unique card token in making a single payment.

Learn more →

Available SDKs

You can also accept payments in your UI by using Maya’s SDKs:

Mobile SDKs:

Become a partner

Technical Guide

⚠️ The following steps below highlights only saving a card to Maya Vault. If you are looking for Pay and save card for future transactions, go to this page.

1 Setup Maya Business Manager

Contact your assigned Relationship Manager to gain access to your Maya Manager Sandbox account. If you don't have any Relationship Manager, you may email [email protected] to assign one.

🧠 Keep in mind

Maya Business Manager has two environments: Sandbox and Production.

  • Sandbox is used for development, testing, and integration. Once the integration is completed in this environment, it will be verified by our Operations team. Only then the production credentials will be provided.
  • Production is for live payments. Testing in this environment will incur real charges.

Both environments have the ability to generate API keys. Once your account is onboarded to a sandbox account, you need to log in to the manager account of your respective environment.

2 Generating API Keys and API Authentication

Generate your API keys by following the steps below:

Step 1: Login to Maya Manager Sandbox and generate your API Key.

Step 2: Go to the menu on the left side of the screen and look for API Keys.

Step 3: On the main navigation, select the name of the Merchant that you registered earlier. Then generate the API key by clicking Generate API Key.

Step 4: After being redirected to another screen, create keys for both Public and Secret policies.

Step 5: Click Create then your API key will be shown to you.

ℹ️ The same flow will be used when generating keys on to your Production environment.

⚠️ Save your API key in a secured location

The full API key will only be shown once. It is important that you store it in a secure location. If you lost your API key, try generating it again using the environment you are working on.

Authenticating with our API

Authentication is done via HTTP Basic Authentication. Depending on the API endpoint, the public (pk-....) or secret (sk-....) key must be provided as the username and the password left as blank.

Steps are as follows:

  1. Combine Username and Password (left blank) separated by ‘:’ (colon). If your API key is “pk-Z0OSzLvIcOI2UIvDhdTGVVfRSSeiGStnceqwUE7n0Ah”, the resulting string is:
  1. Apply Base64 encoding to the resulting string from Step 1. Using the resulting string from Step 1, the Base64 encoded string will be:
  1. Indicate the authorization method i.e. “Basic” followed by a space then the Base64 encoded string in Step 2. An example is shown below.
Authorization: Basic cGstWjBPU3pMdkljT0kyVUl2RGhkVEdWVmZSU1NlaUdTdG5jZXF3VUU3bjBBaDo=

See also: HTTP Basic Auth

3 Prepare required pages for Vault

Every payment state should show an appropriate web page in order for the customer to know the status of their transaction. You need to host these pages in your website.

Click here to see sample pages

Credit Card Form Sample

    <title>Credit Card</title>
    <form action="/submit-credit-card" method="POST">
      <input class="cn" placeholder="Card number">
      <input class="date" placeholder="MM / YY">
      <input class="cvc" placeholder="CVC" type="password">
      <button type="submit">Submit</button>

Is your platform PCI-DSS certified?

Do not store any card information (i.e. name, card number, expiry dates, cvv/cvc) on your application unless your platform is PCI-DSS certified.

Success Page Sample

  <head><title>Payment is successful</title></head>
    <h1>Thank your for your order!</h1>
      <a link="/track-order">Tracker your order here</a>.

Failed Page Sample

  <head><title>Payment Failed</title></head>
    <h1>Payment Failed!</h1>
      <a link="/track-order">Create a new order?</a>.

Cancelled Page Sample

    <h1>List of items inside the cart</h1>
      <a link="/track-order">Checkout</a>.

4 Save a Card

4.1 Register a customer in Maya Vault

Register the customer details to Maya Vault by sending the required customer information to the Create Customer API.

Sample request data:
  "contact": {
    "phone": "123456"
  "billingAddress": {
    "countryCode": "PH"
  "shippingAddress": {
    "countryCode": "PH"
  "firstName": "John",
  "lastName": "Doe"

The Create Customer API endpoint will return an id in the response which you will need on the succeeding steps.

ℹ️ Maya recommends that you keep the id of the customer record from the response. This id can be used to retrieve customer details and card tokens.

🤔 FAQ: Can I use the stored user information in my own application?

Answer: Yes, you may use the stored user information for your own application.

4.2 Tokenize the card details

Once the customer has provided their card details, your system must send this information to Maya Vault’s Create Payment Token endpoint.

Sample request data:
  "card": {
    "number": "512345678911",
    "expMonth": "8",
    "expYear": "2025",
    "cvc": "111"

Is your platform PCI-DSS certified?

Do not store any card information (i.e. name, card number, expiry dates, cvv/cvc) on your application unless your platform is PCI-DSS certified.

The Create Payment Token endpoint will return a paymentTokenId. You will need to use this paymentTokenId to associate the tokenized card information with your customer.

🤔 FAQ: Can I reuse paymentTokenId?

Answer: No. paymentTokenId can only be linked once. Attempts after successful link will reject the request.

4.3 Link tokenized card to the customer

To link the tokenized card information to the customer, your application will need to call the Create Card of Customer endpoint, which requires the id from the Create Customer endpoint in step 4.1 and the paymentTokenId from the Create Payment Token endpoint in step 4.2.

Sample request:

  "redirectUrl": {
    "success": "",
    "failure": "",
    "cancel": ""
  "paymentTokenId": "paymentTokenId-from-create-payment-token-endpoint"

The Create Card of Customer will return cardTokenId and verificationUrl which you will use to save the customer’s card. Your application is required to redirect to the verificationUrl provided to complete verification and saving of the card in Maya Vault.

🤔 FAQ: Why did Maya debit Php 10 from the customer’s card?

This is to verify that the customer’s card to be vaulted is valid and active. The amount deducted will be voided within the day and amount will reflect back on customer’s card depending on the issuing bank.

Want to use the first payment transaction to verify the card to be saved? Go to Pay and save card for future transactions.

4.4 [Optional] Retrieve Cards of Customer

Is your platform PCI-DSS certified?

Do not store any card information (i.e. name, card number, expiry dates, cvv/cvc) on your application unless your platform is PCI-DSS certified.

If your system needs to list down all the saved cards of a customer, you will need to call the Retrieve Cards of Customer endpoint.

😵‍💫 Feeling lost?

Go to our demo website click Add New Card to see Maya Vault’s Save a Card in action.

5 [Optional] Pay future transactions using a saved card

Your application can use a verified cardToken on future transactions.

To pay future transactions, your application will need to call the Create Customer Payment endpoint and pass the (1) cardTokenId from the Create Card of Customer endpoint in step 4.3, (2) id from the Create Customer endpoint in step 4.1, and (3) required transaction details.

Sample request:

  "totalAmount": {
    "amount": 100,
    "currency": "PHP"
  "redirectUrl": {
    "success": "",
    "failure": ""
  "requestReferenceNumber": "af094e84-d362-4f42-88b0-af72bfd62787"

🤔 FAQs

  1. Question: Will 3DS authentication be required when using a vaulted card?
  2. Answer: No. It will only be asked during the first transaction of the customer.
  3. Question: Can I build my own recurring scheduler for payments?
  4. Answer: Yes, you can create your own scheduler and call Create Customer Payment according to your business rules.

6 Monitor real-time transaction events

Maya uses webhooks to notify your application when a specific event occurs with your payment request, such as when a customer decides not to authorize a payment, when a payment fails, or when a payment succeeds.

7 Go Live Testing

For Online Payments, you will need to do the following test transactions in Sandbox or follow the email sent by the Maya Fulfillment Online Team.

  1. You will need to test the following card transactions in Maya Checkout: VISA, MasterCard and JCB.
    You can use Maya’s list of mock test cards.
  2. Ensure that your Webhooks are registered in Maya Manager. To validate, follow the instructions outlined in our Webhook guide →

Additional References