Attach a token to a customer
A tokenization call returns a short-lived token. Before you can charge the customer, you attach that token to a customer record. The attach call creates a payment instrument on the customer, consuming the token in the process.
Risk metadata
riskMetadata is the field on a tokenization request that carries the customer's device, browser, and session context to the issuer. The richer the data you send, the higher the chance of a frictionless 3DS outcome and the better PaymentsAI can score the transaction for fraud.
Token lifecycle
A payment-instrument token is a short-lived value created during tokenization. It has a defined lifecycle and is single-use: you can attach it to a customer exactly once, at which point it is consumed.
When to use FramePay vs the server-side tokenization endpoint
PaymentsAI offers two ways to turn raw card data into a token your server can store. They serve different integration shapes; pick the one that matches yours.