wc-payment-tokens

name	wc-payment-tokens
description	Store and use WooCommerce saved payment methods safely through `WC_Payment_Tokens` and polymorphic `WC_Payment_Token` subclasses. Covers provider references versus payment credentials, CC/eCheck/custom token shapes, tokenization gateway support, creating/updating/deleting/defaulting tokens, My Account nonce and ownership checks, customer/order token queries, gateway and type validation, provider reconciliation filters, hooks, HPOS-safe order use, and checkout saved-token validation. Use for saved cards or wallets, charging a saved method, add-payment-method flows, token migrations, deletion/default endpoints, custom token types, or gateway tokenization.
metadata	{"wp-skills-author":"Soczó Kristóf","wp-skills-contact":"mailto:[e-mail]","wp-skills-plugin":"woocommerce","wp-skills-plugin-version-tested":"10.9.4","wp-skills-php-min":"7.4","wp-skills-last-updated":"2026-07-20"}

WooCommerce payment tokens

Payment tokens are WooCommerce's saved-payment-method records. They connect a WooCommerce customer to a gateway-owned provider reference and type-specific safe display metadata. Card type, last4, and expiry exist only on card-token subclasses. They are not raw card storage. Never store PAN/card numbers, CVV, magnetic stripe data, or full bank credentials in WooCommerce token fields or meta.

Misconception this skill corrects

"I have a token ID from the browser, so I can charge it."

A token ID is user-controlled input. Load the token server-side and verify ownership, gateway ID, and token type before using it. WooCommerce's built-in My Account delete/default handlers check both nonce and ownership; custom endpoints must do the same.

When to use this skill

Trigger when ANY of the following is true:

• Building a gateway with saved cards or saved bank accounts.
• Implementing Add payment method in My Account.
• Charging a saved token during checkout, renewal, or admin action.
• Deleting or setting a default saved payment method.
• Migrating provider tokens into WooCommerce.
• The diff contains WC_Payment_Tokens, WC_Payment_Token_CC, WC_Payment_Token_ECheck, tokenization, woocommerce_payment_token, wc-{$gateway_id}-payment-token, or add_payment_token.

Data model

WooCommerce stores tokens in custom tables:

Table	Purpose
wp_woocommerce_payment_tokens	token ID, gateway ID, provider token string, user ID, default flag, token type
wp_woocommerce_payment_tokenmeta	token type metadata such as last4, expiry, card type

Use the API. Do not write these tables directly.

Core token fields:

Field	Meaning
token	Provider token/reference, not card number.
gateway_id	Must match the payment gateway $id.
user_id	WordPress user ID, or 0 for guest/non-customer association.
is_default	One default token per user.
type	CC, eCheck, or a custom registered type.

Treat token objects polymorphically

Do not assume every saved method is WC_Payment_Token_CC. Providers can register custom token types and classes through woocommerce_payment_token_class; those classes may expose entirely different metadata.

$type = strtolower( $token->get_type() );
if ( 'cc' === $type && $token instanceof WC_Payment_Token_CC ) {
    $last4 = $token->get_last4();
} elseif ( method_exists( $token, 'get_email' ) ) {
    $email = $token->get_email();
}

Use get_type() plus class/capability checks before calling type-specific getters. A provider reference prefix does not prove the token's shape: for example, Stripe uses pm_... for both native Link and card PaymentMethods. Provider-specific token classes also require the provider plugin's class mapping to hydrate reliably.

Gateway support flag

A gateway that exposes saved methods must support tokenization:

class MyGateway extends WC_Payment_Gateway {
    public function __construct() {
        $this->id       = 'mygateway';
        $this->supports = array( 'products', 'tokenization' );

        $this->init_form_fields();
        $this->init_settings();
    }
}

The checkout field names use the gateway ID, for example wc-mygateway-payment-token and wc-mygateway-new-payment-method.

Important: the tokenization helper methods live on WC_Payment_Gateway, but the base gateway's default payment_fields() does not render the saved-token UI. Core WC_Payment_Gateway_CC and WC_Payment_Gateway_ECheck call tokenization_script(), saved_payment_methods(), and save_payment_method_checkbox() from their payment_fields() methods. If your gateway extends base WC_Payment_Gateway, call those helpers yourself or extend the relevant tokenized gateway base class.

public function payment_fields(): void {
    if ( $this->supports( 'tokenization' ) && is_checkout() ) {
        $this->tokenization_script();
        $this->saved_payment_methods();
        $this->render_provider_fields();
        $this->save_payment_method_checkbox();
        return;
    }

    $this->render_provider_fields();
}

Create a credit-card token

Create the Woo token only after your provider has returned a reusable provider token.

function myplugin_save_card_token( int $user_id, string $provider_token, array $card ): ?WC_Payment_Token_CC {
    if ( $user_id < 1 ) {
        return null;
    }

    $token = new WC_Payment_Token_CC();
    $token->set_token( $provider_token );
    $token->set_gateway_id( 'mygateway' );
    $token->set_user_id( $user_id );
    $token->set_card_type( sanitize_key( $card['brand'] ?? '' ) );
    $token->set_last4( preg_replace( '/\D+/', '', (string) ( $card['last4'] ?? '' ) ) );
    $token->set_expiry_month( (string) ( $card['exp_month'] ?? '' ) );
    $token->set_expiry_year( (string) ( $card['exp_year'] ?? '' ) );

    if ( null === WC_Payment_Tokens::get_customer_default_token( $user_id ) ) {
        $token->set_default( true );
    }

    if ( ! $token->validate() ) {
        return null;
    }

    try {
        $token_id = $token->save();
    } catch ( Exception $e ) {
        return null;
    }

    if ( ! $token_id ) {
        return null;
    }

    return $token;
}

WC_Payment_Token_CC::validate() requires provider token, last4, expiry month, expiry year, and card type. Expiry year must be four digits; expiry month is stored in two-digit format.

If set_default( true ) is saved, WooCommerce flips other user tokens to non-default through WC_Payment_Tokens::set_users_default().

Read customer tokens

$tokens = WC_Payment_Tokens::get_customer_tokens( get_current_user_id(), 'mygateway' );

foreach ( $tokens as $token ) {
    if ( $token instanceof WC_Payment_Token ) {
        echo esc_html( $token->get_display_name() );
    }
}

When no gateway ID is passed, WooCommerce filters to currently registered gateway IDs plus an empty gateway ID. During migrations or disabled-gateway cleanup, query the explicit old gateway ID or you may not see those tokens.

Treat get_customer_tokens() as a filterable integration surface, not necessarily a pure local-table read. A provider can reconcile remote methods through woocommerce_get_customer_payment_tokens, causing network I/O and local writes. The result is also limited by woocommerce_get_customer_payment_tokens_limit (posts_per_page by default). A migration needing raw local rows should page through WC_Payment_Tokens::get_tokens() with explicit user_id, gateway_id, limit, and page arguments.

Use WC_Payment_Tokens::get_order_tokens( $order_id ) when you need token objects attached to an order. In WC 10.9.4, $order->get_payment_tokens() returns token IDs from the order data store; WC_Payment_Tokens::get_order_tokens() wraps them into token objects.

Validate a chosen saved token at checkout

$posted_token_id = isset( $_POST['wc-mygateway-payment-token'] )
    ? wc_clean( wp_unslash( $_POST['wc-mygateway-payment-token'] ) )
    : 'new';

if ( 'new' !== $posted_token_id ) {
    $token = WC_Payment_Tokens::get( absint( $posted_token_id ) );

    if (
        ! $token instanceof WC_Payment_Token ||
        (int) $token->get_user_id() !== get_current_user_id() ||
        'mygateway' !== $token->get_gateway_id()
    ) {
        wc_add_notice( __( 'Invalid payment method.', 'myplugin' ), 'error' );
        return array( 'result' => 'failure' );
    }

    $provider_token = $token->get_token( 'edit' );
    // Charge $provider_token through the gateway provider.
}

Do not send the raw provider token to JavaScript. Use token IDs and safe display names in UI; use the provider token only server-side.

Attach token to an order

After a successful charge or authorization, attach the token to the order so future order views and integrations can find it.

$order = wc_get_order( $order_id );
$token = WC_Payment_Tokens::get( $token_id );

if ( $order instanceof WC_Order && $token instanceof WC_Payment_Token ) {
    $order->add_payment_token( $token );
}

Use WC_Payment_Tokens::get_order_tokens( $order_id ) later to retrieve token objects for that order.

Delete and default actions

WooCommerce's built-in My Account handlers validate both ownership and nonce:

• delete nonce action: delete-payment-method-{$token_id}
• default nonce action: set-default-payment-method-{$token_id}
• ownership check: get_current_user_id() === $token->get_user_id()

Mirror that in custom REST/AJAX endpoints:

$token_id = absint( $_POST['token_id'] ?? 0 );
$token    = WC_Payment_Tokens::get( $token_id );
$nonce    = isset( $_POST['_wpnonce'] )
    ? sanitize_text_field( wp_unslash( $_POST['_wpnonce'] ) )
    : '';

if (
    ! $token instanceof WC_Payment_Token ||
    (int) $token->get_user_id() !== get_current_user_id() ||
    ! wp_verify_nonce( $nonce, 'set-default-payment-method-' . $token_id )
) {
    wp_die( esc_html__( 'Invalid payment method.', 'myplugin' ), 403 );
}

WC_Payment_Tokens::set_users_default( $token->get_user_id(), $token_id );

For deletion:

$delete_nonce = isset( $_POST['_wpnonce'] )
    ? sanitize_text_field( wp_unslash( $_POST['_wpnonce'] ) )
    : '';

if (
    $token instanceof WC_Payment_Token &&
    (int) $token->get_user_id() === get_current_user_id() &&
    wp_verify_nonce( $delete_nonce, 'delete-payment-method-' . $token_id )
) {
    WC_Payment_Tokens::delete( $token->get_id() );
}

Deleting a WooCommerce token does not automatically revoke the token at your payment provider unless your gateway implements that. Hook woocommerce_payment_token_deleted if provider-side cleanup is required.

Useful hooks

Hook	Use
woocommerce_new_payment_token	Token row created.
woocommerce_payment_token_updated	Token row updated.
woocommerce_payment_token_deleted	Token row deleted.
woocommerce_payment_token_set_default	User default token changed.
woocommerce_get_customer_payment_tokens	Filter listed customer tokens.
woocommerce_payment_gateway_get_saved_payment_method_option_html	Customize saved-token checkout radio HTML.
woocommerce_payment_gateway_save_new_payment_method_option_html	Customize save-token checkbox HTML.
woocommerce_payment_token_added_to_order	Token attached to an order.

Common mistakes

• Storing card numbers or CVV in token or token meta.
• Trusting a token ID without checking user ownership and gateway ID.
• Using direct SQL against token tables.
• Forgetting 'tokenization' in gateway supports.
• Querying all tokens without an explicit gateway during disabled-gateway migrations.
• Assuming $order->get_payment_tokens() returns token objects; use WC_Payment_Tokens::get_order_tokens() for objects.
• Deleting a Woo token and assuming the provider token was revoked.
• Exposing get_token( 'edit' ) to the browser or logs.

Cross-skill routing

• Gateway process_payment() and add-payment-method flow: wc-payment-gateway
• HPOS-safe order reads/writes: wc-hpos-compatibility
• Store API payment requirements: wc-store-api
• Stripe Link's two token shapes and reconciliation behavior: wc-stripe-link-payments

References

• Official documentation: https://woocommerce.com/document/payment-gateway-api/
• Verified source paths:
  • wp-content/plugins/woocommerce/includes/class-wc-payment-tokens.php
  • wp-content/plugins/woocommerce/includes/abstracts/abstract-wc-payment-token.php
  • wp-content/plugins/woocommerce/includes/payment-tokens/class-wc-payment-token-cc.php
  • wp-content/plugins/woocommerce/includes/payment-tokens/class-wc-payment-token-echeck.php
  • wp-content/plugins/woocommerce/includes/data-stores/class-wc-payment-token-data-store.php
  • wp-content/plugins/woocommerce/includes/class-wc-form-handler.php
  • wp-content/plugins/woocommerce/includes/abstracts/abstract-wc-payment-gateway.php
  • wp-content/plugins/woocommerce/includes/gateways/class-wc-payment-gateway-cc.php
  • wp-content/plugins/woocommerce/includes/abstracts/abstract-wc-order.php